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Average Salary in Zambia 2020

How much money does a person working in Zambia make?


Average Monthly Salary
7,390 ZMK
( 88,700 ZMK yearly)

LOW
1,000
ZMK
AVERAGE
7,390
ZMK
HIGH
32,700
ZMK

A person working in Zambia typically earns around 7,390 ZMK per month. Salaries range from 1,000 ZMK (lowest average) to 32,700 ZMK (highest average, actual maximum salary is higher).

This is the average monthly salary including housing, transport, and other benefits. Salaries vary drastically between different careers. If you are interested in the salary of a particular job, see below for salaries for specific job titles.

Distribution of Salaries in Zambia

Median and salary distribution monthly Zambia
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The median, the maximum, the minimum, and the range

  • Salary Range

    Salaries in Zambia range from 1,000 ZMK per month (minimum salary) to 32,700 ZMK per month (maximum average salary, actual maximum is higher).

  • Median Salary

    The median salary is 7,840 ZMK per month, which means that half (50%) of the population are earning less than 7,840 ZMK while the other half are earning more than 7,840 ZMK. The median represents the middle salary value. Generally speaking, you would want to be on the right side of the graph with the group earning more than the median salary.

  • Percentiles

    Closely related to the median are two values: the 25th and the 75th percentiles. Reading from the salary distribution diagram, 25% of the population are earning less than 3,980 ZMK while 75% of them are earning more than 3,980 ZMK. Also from the diagram, 75% of the population are earning less than 21,500 ZMK while 25% are earning more than 21,500 ZMK.


What is the difference between the median and the average salary?

Both are indicators. If your salary is higher than both of the average and the median then you are doing very well. If your salary is lower than both, then many people are earning more than you and there is plenty of room for improvement. If your wage is between the average and the median, then things can be a bit complicated. We wrote a guide to explain all about the different scenarios. How to compare your salary

Salary Comparison by Years of Experience

How does a person's salary progress over time?

Salary Comparison By Experience Level
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The experience level is the most important factor in determining the salary. Naturally the more years of experience the higher the wage.

Generally speaking, employees having experience from two to five years earn on average 32% more than freshers and juniors across all industries and disciplines.

Professionals with experience of more than five years tend to earn on average 36% more than those with five years or less of work experience.


Change in salary based on experience varies drastically from one location to another and depends hugely on the career field as well. The data displayed here is the combined average of many different jobs. To view accurate figures, choose a specific job title.

As you hit the ten years mark, the salary increases by 21% and an additional 14% for those who have crossed the 15 years mark.

Those figures are presented as guidelines only. The numbers become more significant if you consider one job title at a time.

On average, a person's salary doubles their starting salary by the time they cross the 10 years* experience mark.
* Based on the average change in salary over time. Salary variations differ from person to person.

Salary Comparison By Education

How does the education level affect your salary?

Salary Comparison By Education
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It is well known that higher education equals a bigger salary, but how much more money can a degree add to your income? We compared the salaries of professionals at the same level but with different college degrees levels across many jobs, below are our findings.


Change in salary based on education varies drastically from one location to another and depends hugely on the career field as well. The data displayed here is the combined average of multiple jobs. To view accurate figures, choose a specific job title.

Workers with a certificate or diploma earn on average 17% more than their peers who only reached the high school level.

Employees who earned a Bachelor's Degree earn 24% more than those who only managed to attain a cerificate or diploma.

Professionals who attained a Master's Degree are awarded salaries that are 29% more than those with a Bachelor's Degree.

Finally, PhD holders earn 23% more than Master's Degree holders on average while doing the same job.


Is a Master's degree or an MBA worth it? Should you pursue higher education?

A Master's degree program or any post-graduate program in Zambia costs anywhere from 37,000 Zambian Kwacha(s) to 111,000 Zambian Kwacha(s) and lasts approximately two years. That is quite an investment.

You can't really expect any salary increases during the study period, assuming you already have a job. In most cases, a salary review is conducted once education is completed and the degree has been attained.

Many people pursue higher education as a tactic to switch into a higher paying job. The numbers seem to support this tactic. The average increase in compensation while changing jobs is approximately 10% more than the customary salary increment.

The decision really depends on your situation and experience among many other factors. Putting all variables aside, if you can afford the costs of higher education then the return on investment is definitely worth it. You should be able to recover the costs in roughly a year or so.



Salary Comparison By Gender

Salary comparison by gender monthly Zambia
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Though gender should not have an effect on pay, in reality, it does. So who gets paid more: men or women? Male employees in Zambia earn 18% more than their female counterparts.

Female
6,850 ZMK
Male+18%
8,090 ZMK
Percentage increase and decrease are relative to the previous value

Average Annual Salary Increment Percentage in Zambia

How much are annual salary increments in Zambia? How often do employees get salary raises?

Zambia

Employees in Zambia are likely to observe a salary increase of approximately 5% every 28 months.

Annual Salary Increment Rate Zambia
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The figures provided here are averages of numbers. Those figures should be taken as general guidelines. Salary increments will vary from person to person and depend on many factors, but your performance and contribution to the success of the organization remain the most important factors in determining how much and how often you will be granted a raise.

The term 'Annual Salary Increase' usually refers to the increase in 12 calendar month period, but because it is rarely that people get their salaries reviewed exactly on the one year mark, it is more meaningful to know the frequency and the rate at the time of the increase.

How to calculate the salary increment percentage?

The annual salary Increase in a calendar year (12 months) can be easily calculated as follows: Annual Salary Increase = Increase Rate x 12 ÷ Increase Frequency

The average salary increase in one year (12 months) in Zambia is 2%.

Annual Increment Rate By Industry 2019

Banking
8%
Energy
7%
Information Technology
6%
Healthcare
5%
Travel
4%
Construction
3%
Education
2%

Listed above are the average annual increase rates for each industry in Zambia for the year 2019. Companies within thriving industries tend to provide higher and more frequent raises. Exceptions do exist, but generally speaking, the situation of any company is closely related to the economic situation in the country or region. These figures tend to change frequently.


Average Salary Increase Rate by Experience Level

Junoir Level
3% - 5%
Mid-Career
6% - 9%
Senior Level
10% - 15%
Top Management
15% - 20%

The difference in increment rates is somehow justified because employers put more effort to retain more experienced staff since they are harder to acquire than less experienced ones.

Worldwide Salary Raises: All Countries and All Jobs

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Bonus and Incentive Rates in Zambia

How much and how often are bonuses being awarded?Annual Salary Bonus Rate Zambia
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62% of surveyed staff in Zambia reported that they haven't received any bonuses or incentives in the previous year while 38% said that they received at least one form of monetary bonus.

Those who got bonuses reported rates ranging from 2% to 7% of their annual salary.

Received Bonus
38%
No Bonus
62%

Types of Bonuses Considered

Individual Performance-Based Bonuses

The most standard form of bonus where the employee is awarded based on their exceptional performance.

Company Performance Bonuses

Occasionally, some companies like to celebrate excess earnings and profits with their staff collectively in the form of bonuses that are granted to everyone. The amount of the bonus will probably be different from person to person depending on their role within the organization.

Goal-Based Bonuses

Granted upon achieving an important goal or milestone.

Holiday / End of Year Bonuses

These types of bonuses are given without a reason and usually resemble an appreciation token.

Bonuses Are Not Commissions!

People tend to confuse bonuses with commissions. A commission is a prefixed rate at which someone gets paid for items sold or deals completed while a bonus is in most cases arbitrary and unplanned.


Bonus Rates Comparison by Career Field

Finance
High
Architecture
High
Sales
High
Business Development
High
Marketing / Advertising
High
Information Technology
Moderate
Healthcare
Moderate
Insurance
Moderate
Customer Service
Moderate
Human Resources
Moderate
Construction
Low
Transport
Low
Hospitality
Low

What makes a position worthy of good bonuses and a high salary?

The main two types of jobs

Revenue GeneratorsSupporting Cast

Employees that are directly involved in generating revenue or profit for the organization. Their field of expertise usually matches the type of business.

Employees that support and facilitate the work of revenue generators. Their expertise is usually different from that of the core business operations.

Example:
A graphics designer working for a graphics designing company.

Example:
A graphic designer in the marketing department of a hospital.


Revenue generators usually get more and higher bonuses, higher salaries, and more frequent salary increments. The reason is quite simple: it is easier to quantify your value to the company in monetary terms when you participate in revenue generation.

Try to work for companies where your skills can generate revenue. We can't all generate revenue and that's perfectly fine.

Bonus Comparison by Seniority Level

Top management personnel and senior employees naturally exhibit higher bonus rates and frequencies than juniors. This is very predictable due to the inherent responsibilities of being higher in the hierarchy. People in top positions can easily get double or triple bonus rates than employees down the pyramid.

Government vs Private Sector Salary Comparison

Public vs private sector salaries monthly Zambia
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Where can you get paid more, working for a private company or for the government? Public sector employees in Zambia earn 17% more than their private sector counterparts.

Private Sector
6,880 ZMK
Public Sector+17%
8,060 ZMK
Percentage increase and decrease are relative to the previous value

Salary Trend and Forecast in Zambia

How are Zambia salaries changing over time? The chart below shows the average salary change in the past few years.

Salary trends and forecast monthly Zambia
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Average Salary 2016
6,510 ZMK
Average Salary 2017+4%
6,750 ZMK
Average Salary 2018+3%
6,980 ZMK
Average Salary 2019+3%
7,190 ZMK
Percentage increase and decrease are relative to the previous value

Salaries in Zambia are on the rise in the year 2020 based on recent submitted salaries and reports. As displayed in the chart, salaries in 2019 are 3% higher than those of 2018. The trend suggests a slow yet continuous increase in pay in 2021 and future years. These numbers may vary from industry to another.

Salaries for popular jobs

Job TitleAverage Salary
Accounting and Finance
Accountant4,780 ZMK
Accounting Assistant4,800 ZMK
Accounting Manager9,550 ZMK
Bookkeeper3,870 ZMK
Chartered Accountant6,060 ZMK
Corporate Treasurer12,400 ZMK
Financial Analyst7,580 ZMK
Financial Manager15,300 ZMK
Internal Auditor7,680 ZMK

Administration / Reception / Secretarial
Administrative Assistant3,830 ZMK
Office Manager5,250 ZMK
Receptionist5,400 ZMK
Secretary3,980 ZMK

Advertising / Grapic Design / Events
Art Director7,250 ZMK
Creative Director7,480 ZMK
Graphic Designer5,130 ZMK
Photographer4,960 ZMK

Airlines / Aviation / Aerospace / Defense
Aerospace Engineer7,610 ZMK
Air Traffic Controller7,400 ZMK
Flight Attendant6,330 ZMK
Pilot8,800 ZMK

Architecture
Architect6,350 ZMK
CAD Drafter5,670 ZMK

Automotive
Mechanic3,960 ZMK
Service Advisor5,840 ZMK

Banking
Bank Branch Manager10,900 ZMK
Teller5,160 ZMK

Bilingual
Teacher5,680 ZMK
Translator6,060 ZMK

Business Planning
Business Analyst8,290 ZMK
Business Development Manager11,100 ZMK
Project Manager8,600 ZMK

Care Giving and Child Care
Nanny4,440 ZMK
Nursery Teacher5,400 ZMK

Construction / Building / Installation
Civil Engineer6,610 ZMK
Construction Project Manager8,510 ZMK
Health and Safety Officer4,820 ZMK

Customer Service and Call Center
Call Center Representative4,810 ZMK
Customer Service Manager9,930 ZMK
Customer Service Representative5,000 ZMK

Engineering
Electrical Engineer7,350 ZMK
Engineer6,680 ZMK
Mechanical Engineer7,450 ZMK

Executive and Management
Chief Executive Officer17,000 ZMK
Chief Financial Officer15,200 ZMK
General Manager13,200 ZMK

Food / Hospitality / Tourism / Catering
Chef6,140 ZMK
Executive Chef6,510 ZMK
Hotel Manager10,400 ZMK
Travel Agent6,090 ZMK
Waiter / Waitress4,240 ZMK

Health and Medical
Dentist16,700 ZMK
Dietitian16,600 ZMK
Laboratory Technician5,730 ZMK
Nurse5,660 ZMK

Human Resources
Human Resources Manager10,000 ZMK
Human Resources Officer5,720 ZMK

Information Technology
Computer Technician5,640 ZMK
Database Administrator7,210 ZMK
Developer / Programmer6,650 ZMK
Information Technology Manager10,400 ZMK
Network Engineer6,580 ZMK

Law Enforcement / Security / Fire
Police Officer5,880 ZMK

Legal
Attorney10,500 ZMK
Legal Assistant5,420 ZMK

Media / Broadcasting / Arts / Entertainment
Journalist7,210 ZMK

Pharmaceutical and Biotechnology
Biomedical Engineer6,200 ZMK
Pharmacist7,890 ZMK

Sales Retail and Wholesale
Cashier4,320 ZMK
Sales Manager11,000 ZMK
Sales Representative4,770 ZMK

Teaching / Education
Elementary School Teacher4,810 ZMK
Secondary School Teacher5,700 ZMK

Average Hourly Wage in Zambia


43 ZMK per hour

The average hourly wage (pay per hour) in Zambia is 43 ZMK. This means that the average person in Zambia earns approximately 43 ZMK for every worked hour.


Hourly Wage = Annual Salary ÷ ( 52 x 5 x 8 )

The hourly wage is the salary paid in one worked hour. Usually jobs are classified into two categories: salaried jobs and hourly jobs. Salaried jobs pay a fix amount regardless of the hours worked. Hourly jobs pay per worked hour. To convert salary into hourly wage the above formula is used (assuming 5 working days in a week and 8 working hours per day which is the standard for most jobs). The hourly wage calculation may differ slightly depending on the worked hours per week and the annual vacation allowance. The figures mentioned above are good approximations and are considered to be the standard. One major difference between salaried employees and hourly paid employees is overtime eligibility. Salaried employees are usually exempt from overtime as opposed to hourly paid staff.

Salary Comparison By City

CityAverage Salary
Lusaka8,530 ZMK
1546793 - 39

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