Moving to Zambia — Complete Relocation Guide
Updated March 2026 · Comprehensive guide
Everything you need to know about relocating to Zambia — visas, housing, schools, costs, and practical tips for expats.
Relocation Costs
Work Permit
Employment permit, 2-year validity
ZMK 9,000 – 18,000
Residence Permit
Required with work permit
ZMK 3,000 – 6,000
Visa on Arrival (Tourist)
30-90 days, single/multi entry
USD 50 – 100
Shipping Container (20ft)
From SA / Europe / US
USD 2,000 – 5,000
Apartment Rent (2BR, Lusaka)
Kabulonga, Rhodes Park
ZMK 4,000 – 12,000/month
House Rent (3BR, Lusaka)
Ibex Hill, Woodlands
ZMK 8,000 – 25,000/month
International School (Annual)
AISZ, Lusaka International
ZMK 40,000 – 120,000
Health Insurance (Annual)
Individual comprehensive
ZMK 5,000 – 15,000
Car Import Duty
ZRA customs + VAT
30 – 60% of value
Driver's Licence Conversion
RTSA office, valid foreign licence
ZMK 500 – 1,000
Relocation Checklist
Secure a job offer or business plan
Work permit requires employer sponsorship or approved investment plan
Apply for work/residence permit
Through Zambia Immigration Department, 4-8 weeks processing
Find accommodation
Use agents, Facebook groups, or sites like Zambia Property
Open a bank account
Zanaco, Stanbic, FNB accept expat accounts with permit
Register with tax authority (ZRA)
TPIN required for employment and banking
Get health insurance
Madison, ZSIC, or international providers
Enrol children in school
Apply 6-12 months in advance for international schools
Living in Zambia as an Expat
Zambia is one of Africa's most peaceful and welcoming countries for expats. English is the official language, making integration easier. The expat community is concentrated in Lusaka, with smaller communities in Kitwe (mining sector) and Livingstone (tourism). Cost of living is moderate compared to South Africa or Kenya.
Healthcare
Private healthcare is good in Lusaka — CFB Hospital, Medland, and Levy Mwanawasa Hospital are popular with expats. Health insurance (ZMK 5,000-15,000/year) is essential. Public hospitals are affordable but overcrowded. For serious conditions, many expats travel to South Africa.
Getting Connected
Get a local SIM card immediately — MTN, Airtel, and Zamtel are the main networks. 4G is available in major cities. Home internet via fibre (ZMK 500-1,500/month) is available in newer suburbs. Mobile money (MTN MoMo, Airtel Money) is essential for daily transactions.
Frequently Asked Questions
How much does it cost to move to Zambia?
Initial setup costs range from USD 5,000-15,000 including visa/permit fees, shipping, first months rent + deposit, and essentials. Monthly living costs for a family in Lusaka are ZMK 15,000-40,000 depending on lifestyle. International school fees add ZMK 40,000-120,000/year per child.
Do I need a visa to live in Zambia?
Yes, most nationalities need a visa. Tourist visas (30-90 days) are available on arrival for many countries at USD 50-100. For long-term stay, you need a work permit (ZMK 9,000-18,000) and residence permit (ZMK 3,000-6,000). SADC nationals have easier requirements.
Is Zambia safe for expats?
Zambia is considered one of Africa's safest countries. Lusaka and the Copperbelt are the main expat hubs. Use common sense: avoid walking alone at night, secure your home, and use reputable transport. The expat community is welcoming — join groups like "Expats in Lusaka" on Facebook.
What is the best area to live in Lusaka?
Popular expat areas: Kabulonga (established, near embassies), Rhodes Park (central, affordable), Ibex Hill (newer, family-friendly), Woodlands (quiet, spacious). Roma and Sunningdale are good mid-range options. Expect to pay ZMK 4,000-25,000/month depending on area and house size.