Costs in Madagascar

Use Malagasy ariary (MGA or Ar) for local planning. The national household expenditure survey includes household production and an estimated rent for owner-occupied housing, so its consumption total does not equal the cash a household needs each month. The average household has 4.2 members, but household size varies by economic group: about 5.5 members among the poorest households, 4.5 among poor households, 3.9 among middle-income households, 3.3 among better-off households and 2.7 among the wealthiest households. Housing costs depend on the city or region, the condition and furnishings of the dwelling, security, water and electricity access, and the local agreement. National housing arrangements include ownership with a title document at 22.5%, ownership without a title document at 36.7%, renting at 12.5%, living free with family or friends at 22.9% and employer-provided housing at 1.5%. Renting is much more common in urban areas, at about 36.9%, than in rural areas, at about 6.2%. Madagascar has no nationwide official rent index, so a realistic rent estimate requires current local comparisons. JIRAMA is the main formal water and electricity provider, although private and municipal systems also operate locally. In 2021, an improved drinking-water source reached about 48% of the population nationally, 86% in urban areas and 38% in rural areas. Electricity access was about 33% nationally, 73% in urban areas and 24% in rural areas. A published JIRAMA water tariff lists 415 Ar per cubic metre below 10 cubic metres per month and 1,155 Ar above that level, with a fixed monthly meter charge ranging from 2,985 to 160,415 Ar; the tariff document dates from 2017 and should not be treated as a current universal price. JIRAMA's 2025–2028 plan reports an average selling price of 631 Ar per kilowatt-hour in 2024 against costs of about 729 Ar per kilowatt-hour. The actual household electricity bill depends on the zone, tariff class, consumption and fixed charge. Outages can add the cost of backup lighting, charging and cooking. Food is usually the largest spending area. Rice is central to diets, with estimated consumption of about 110 kilograms per person per year. Retail rice prices were about 12% higher in November 2025 than in November 2024. Prices vary by season and region because of harvest conditions, cyclones, transport and imports. Households combine local markets, PPN outlets, small traders and their own production. Home-produced food still has a budget value even when it does not appear as a cash payment. Madagascar has no single official nationwide food basket for household planning. Mobility may involve walking, taxi-be, taxi-brousse, buses, pousse-pousse, motorcycles, private vehicles or boats, depending on the area. Fares vary by city, provider and journey, and no national household transport tariff was found. The Office des Mines Nationales et des Industries Stratégiques (OMH) has used an automatic monthly fuel-pricing mechanism since January 2025. In November 2025, listed prices were 5,060 Ar per litre for SP95, 4,550 Ar for diesel and 3,400 Ar for lamp oil. Remote households can face higher total costs because markets, schools, basic health centres and hospitals are farther away. Health spending is irregular and needs a separate reserve. Formal care includes public basic health centres (CSB), regional hospitals (CHRD), university hospitals (CHU) and private providers. Under the national universal health coverage strategy, consultation at a public CSB is free, but medicines are not free. Actual spending can include medicines, tests, hospital treatment, transport and private consultations. Health expenditure was about 3.5% of gross domestic product in 2021, and out-of-pocket spending represented about 41.36% of total health expenditure. Among insured households recorded in the national household survey, 52.4% received reimbursement through direct billing, 28.3% paid first and claimed reimbursement, and 19.3% used both arrangements. No current national price list covers all medicines and private health services. Public-school enrollment and re-enrollment for the 2025–2026 school year are free within available capacity under the Ministry of National Education guidance. Families may still pay for supplies, uniforms, shoes, transport, meals and locally varying parent or school contributions. A project document gives about 250,000 MGA as an indicative beginning-of-year amount for a public lower-secondary school, not as a national fixed fee. Private schools set tuition locally, and prices vary greatly. Education costs therefore combine a seasonal payment at the beginning of the school year with continuing costs. Free enrollment does not guarantee that a place is available. Children, dependent relatives and care needs change food, education, health, transport and supervision costs. Madagascar has no evidenced universal national family allowance or nationwide standard childcare tariff that can be used as a secure budget income or cost offset. The FID Vatsin’Ankohonana and Fiavota programs provide targeted transfers every two months to vulnerable households with children aged 0 to 14, subject to education or health conditions. These transfers are selective and should not be counted as guaranteed baseline income. Prepaid mobile service is widespread. Orange lists subscriptions from 18,500 Ar per month, prepaid offers from 500 Ar and data offers from 100 Ar. Airtel lists an offer of 1,000 Ar for 500 MB over two days and 15,000 Ar for 6 GB over 30 days. The full communication budget may also include a device, charging, network access, electricity or a power bank. Fixed-line and broadband access depend strongly on location. Set a monthly communication reserve according to the number of users and their actual usage. Leisure, culture and sport costs are local, seasonal and often informal or community-based. The household survey records leisure spending, but no current national price schedule or standard participation allowance was found. These costs are often lower priority than food, housing and utilities, while remaining relevant for some urban households. A practical monthly model adds housing, water, electricity and cooking costs; the cash portion of food consumption; mobility; a health reserve; annual education costs divided by twelve; communication; leisure; and a seasonal or cyclone buffer. Calculate separate profiles for urban and rural areas, each region, household size, renting or owning, JIRAMA or independent electricity supply, home production and the number of children or other dependents. Check current values against INSTAT consumer-price publications, OMH fuel information and the relevant provider. Banking, debt and taxes are separate topics; include them here only where a payment requirement or targeted relief directly changes the household cost calculation.