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From Gambia to Cyprus: Navigating Accommodation & Cost of Living

From Gambia to Cyprus: Navigating Accommodation & Cost of Living

26 Mar 2025


Cyprus has become an attractive destination for Gambians seeking better job opportunities, quality education, or a new lifestyle. According to Eurostat, Cyprus had a foreign-born population of approximately 193,000 in 2023, about 22% of the total population. However, understanding the accommodation options and cost of living is crucial before moving. This guide provides essential insights into finding a place to live and managing daily expenses effectively.

Finding Accommodation in Cyprus

Securing a place to live is one of the first and most crucial steps for Gambians moving to Cyprus. Understanding the local housing market, rental costs, and the best living areas can make the transition smoother.

Types of Housing Options

When settling in Cyprus, Gambians can choose different housing options based on their budget, lifestyle, and long-term plans.

Apartments vs. Houses

Apartments are more common in urban areas and offer modern amenities, while houses, often located in suburban areas, provide more space and privacy.

Renting vs. Buying

Renting is a more feasible option for newcomers, allowing flexibility, whereas buying property requires significant investment and a thorough understanding of legal procedures. As of 2025, the average property price per square meter is around €2,600 in Limassol and €1,700 in Nicosia.

Best Cities for Gambians to Live

Different cities in Cyprus offer various advantages, depending on lifestyle preferences and job opportunities.

Nicosia

As the capital city, Nicosia offers a blend of urban life, job opportunities, and educational institutions, making it a top choice. It is home to over 100,000 residents, including a sizable expat community.

Limassol

Known for its vibrant lifestyle and business hubs, Limassol is a costly yet dynamic place to live. It has the highest rental prices in Cyprus.

Larnaca & Paphos

These cities provide more affordable living options with a relaxed atmosphere, ideal for those seeking a quieter lifestyle. In 2023, Paphos was ranked the most budget-friendly city in Cyprus for expat3.

Pro TipBeyond affordability and job opportunities, Cyprus also offers plenty of attractions to explore in your free time. Whether in Nicosia, Limassol, or Paphos, you can relax and explore top holiday attractions in Cyprus and experience the country’s natural beauty and cultural heritage.

Monthly Expenses Overview

The cost of living in Cyprus varies based on lifestyle, location, and personal spending habits. A Gambian migrant’s monthly budget includes essential living costs like housing, food, transportation, and healthcare. Below is a general estimate of typical expenses:

1. Housing and Utilities (€400 - €1,500 per month)

Housing costs vary depending on the city, accommodation type, and whether you're renting or sharing an apartment. Rent prices per month are:

  • Nicosia (Capital City): €500 - €1,200
  • Limassol (Business Hub): €700 - €1,500
  • Larnaca & Paphos (More Affordable Options): €400 - €900

Some additional housing costs are:

  • Rental Deposit: Landlords usually require one to two months' rent as a security deposit.
  • Utilities: Electricity, water, internet, and heating can range between €100 and €250 per month.
  • Internet & Mobile Plans: Basic home internet costs €30 - €50 per month, while mobile plans start at €15 per month.

2. Food and Groceries (€200 - €400 per month)

Food expenses depend on where you shop and how often you eat out. While eating at restaurants frequently can be costly, cooking at home is much more affordable. Eating out costs:

  • Inexpensive Restaurant: ~ €12 per meal
  • Mid-range Restaurant (for two people): ~ €40
  • Fast Food Meal (McDonald’s, KFC, etc.): ~ €8

Average grocery prices are:

  • Bread (500g): €1.50
  • Milk (1L): €1.40
  • Eggs (12-pack): €3.50
  • Rice (1kg): €2
  • Chicken Breast (1kg): €8 - €10
  • Fresh Fruits & Vegetables (per kg): €1 - €3

Transportation Costs (€50 - €100 per month)

Public transport in Cyprus is affordable and widely used by expats. Public transport costs are:

  • One-way bus ticket: €1.50
  • Monthly public transport pass: €40
  • Intercity bus (long-distance): €7 - €15 per trip

Other transport costs include:

  • Taxi Fare (starting rate): €5, plus €1 per km
  • Fuel Prices: ~ €1.50 per liter
  • Car Ownership (including insurance & maintenance): ~ €300 - €500 per year

Healthcare Expenses in Cyprus

Cyprus has both public and private healthcare options. While public healthcare is affordable and subsidized, private healthcare provides faster services at a higher cost. Public healthcare is:

Private healthcare costs:

  • A General Practitioner (GP) visit costs €30 - €50
  • Specialist Consultation costs €50 - €100
  • Private hospital stay costs €200 - €500 per night
  • Prescription medications cost €5 - €20 per month 

ACE Money Transfer – A Trusted Solution for Gambians

For Gambians living in Cyprus, staying connected with loved ones back home is essential, especially regarding financial support. ACE Money Transfer offers Gambians in Cyprus a reliable way to send money home:

  • 24/7 Access: Transfer funds anytime, anywhere.
  • User-Friendly Platforms: Convenient mobile and online services.
  • Instant Notifications: Senders and receivers get real-time updates.
  • Multiple Payout Options: Recipients in Gambia can access funds through cash pickup, bank deposit, or mobile wallets.

A Sustainable Life in Cyprus for Gambians!

Understanding long-term financial and living strategies becomes crucial as more Gambians choose Cyprus for work, education, and a better lifestyle. While the cost of living can be manageable with proper budgeting, future migrants should stay updated on housing trends, inflation, and job opportunities. 

Additionally, as digital finance continues to evolve, utilizing secure and efficient remittance services like ACE Money Transfer to make a money transfer from Cyprus to Gambia will remain essential for supporting families back home. By planning wisely and adapting to economic changes, Gambians in Cyprus can build a stable and prosperous future.

FAQs

How can I find affordable housing as a newcomer in Cyprus?

Start by checking rental listings online and joining expat communities for recommendations. Sharing an apartment can help cut costs while you settle in.

Are there any hidden costs when renting in Cyprus?

Yes! Most landlords require a deposit of one to two months' rent. Utilities like electricity, water, and internet aren’t always included, so ask before signing a lease.

Is public transport reliable for daily commutes?

Buses are affordable but have limited schedules, especially in smaller cities. If you live far from work, consider budgeting for taxis or getting a car.

Is Cyprus safe for Gambian expats?

Yes, Cyprus has a low crime rate. Just be cautious of rental scams and avoid unfamiliar areas at night. Expats generally feel safe and welcomed.

How can Gambians connect with others in Cyprus?

Join social media groups in African student associations or attend cultural events to meet fellow Gambians and build a community.


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