Full Guide: How Much Does It Cost to Live in Cyprus in 2025? From Utilities to Groceries

Sometimes when people think about moving to Cyprus or buying property here, the sunny climate and the sea sound like the main arguments. But sooner or later a much more practical question appears: how much does everyday life actually cost? And this is where things get interesting, because the monthly budget on the island can surprise you - not always in the way you expect.

For a family of two or three people, the basic monthly expenses usually form a clear and predictable pattern. Let’s start with the most sensitive topic - utilities. Winter electricity bills can catch newcomers off guard: heating with air conditioners or convectors occasionally pushes the bill to 120-150 € per month. In summer the situation flips - cooling still costs money, but less painfully. On average, if you live in an apartment rather than a large villa, you can expect around 80-120 € per month throughout the year.

Next come water and waste fees. Water is reasonably priced: around 20-35 € per month depending on consumption and the district. Waste collection is paid yearly, usually 120-180 €, which becomes almost invisible when spread across months. Many people are pleasantly surprised that there are no hidden municipal taxes - everything is straightforward.

When it comes to groceries, nuances appear. If a family shops in supermarkets like Alphamega or Papantoniou and occasionally visits farmers’ markets, the monthly budget usually lands between 350-550 €. Meat and dairy are more expensive than in mainland Europe, while fruits, vegetables, and local produce are often better priced. Most expats gradually develop their own shopping routine: what to get in the supermarket, what to buy in the small shop downstairs, and what is worth getting directly from a farmer.

Another line in the budget is mobile plans and home internet. Everything is simple here: home internet typically costs 35-50 €, while mobile tariffs fall in the 20-30 € range per person. No hidden charges, no surprises - and that alone already feels refreshing.

Of course, there are expenses that don’t fit neatly into any list: dining out, coffee, transportation, kids’ activities. For some families this adds another 200 €, for others it can be 600 €. Cyprus subtly encourages a more relaxed lifestyle, and it shows in the way people spend.

When you add everything up, comfortable living for a family of two or three usually comes out to around 1,400-2,200 € per month, excluding rent or mortgage if applicable. For property buyers, this calculation is important: it shows that maintaining a home in Cyprus does not become a financial burden, and life itself remains predictable and quite affordable by EU standards.

Sometimes it feels like the cost of living here is shaped by a mix of habits, the mild climate, and the absence of expensive winter heating. In the end, Cyprus remains a place where you can understand your monthly budget clearly and live in a calm, easy rhythm that feels almost like home.