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Average Salary in Zambia 2020

How much money does a person working in Zambia make?

Average Monthly Salary
6,000 ZMK
( 72,000 ZMK yearly)


A person working in Zambia typically earns around 6,000 ZMK per month. Salaries range from 1,520 ZMK (lowest average) to 26,800 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 1,520 ZMK per month (minimum salary) to 26,800 ZMK per month (maximum average salary, actual maximum is higher).

  • Median Salary

    The median salary is 6,360 ZMK per month, which means that half (50%) of the population are earning less than 6,360 ZMK while the other half are earning more than 6,360 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 3,550 ZMK while 75% of them are earning more than 3,550 ZMK. Also from the diagram, 75% of the population are earning less than 17,600 ZMK while 25% are earning more than 17,600 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 30,000 Zambian Kwacha(s) to 90,000 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 12% more than their female counterparts on avergae across all sectors.

6,390 ZMK
5,690 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?


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

Information Technology

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%
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
No Bonus

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

Business Development
Marketing / Advertising
Information Technology
Customer Service
Human Resources

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.

A graphics designer working for a graphics designing company.

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.

Salaries for popular jobs

Job TitleAverage Salary
Accounting and Finance
Accountant4,000 ZMK
Accounting Assistant3,270 ZMK
Accounting Manager8,930 ZMK
Bookkeeper2,810 ZMK
Chartered Accountant5,170 ZMK
Corporate Treasurer7,840 ZMK
Financial Analyst7,620 ZMK
Financial Manager12,400 ZMK
Internal Auditor5,790 ZMK

Administration / Reception / Secretarial
Administrative Assistant3,140 ZMK
Office Manager5,440 ZMK
Receptionist2,290 ZMK
Secretary2,730 ZMK

Advertising / Grapic Design / Events
Art Director6,020 ZMK
Creative Director5,990 ZMK
Graphic Designer3,850 ZMK
Photographer3,340 ZMK

Airlines / Aviation / Aerospace / Defense
Aerospace Engineer7,300 ZMK
Air Traffic Controller6,540 ZMK
Flight Attendant4,140 ZMK
Pilot10,500 ZMK

Architect6,930 ZMK
CAD Drafter3,150 ZMK

Mechanic2,310 ZMK
Service Advisor4,190 ZMK

Bank Branch Manager11,100 ZMK
Teller2,340 ZMK

Teacher4,650 ZMK
Translator5,170 ZMK

Business Planning
Business Analyst7,110 ZMK
Business Development Manager9,530 ZMK
Project Manager7,030 ZMK

Care Giving and Child Care
Nanny2,390 ZMK
Nursery Teacher2,330 ZMK

Construction / Building / Installation
Civil Engineer5,500 ZMK
Construction Project Manager9,780 ZMK
Health and Safety Officer2,780 ZMK

Customer Service and Call Center
Call Center Representative2,150 ZMK
Customer Service Manager8,360 ZMK
Customer Service Representative2,190 ZMK

Electrical Engineer6,010 ZMK
Engineer5,690 ZMK
Mechanical Engineer5,910 ZMK

Executive and Management
Chief Executive Officer13,900 ZMK
Chief Financial Officer12,400 ZMK
General Manager10,800 ZMK

Food / Hospitality / Tourism / Catering
Chef3,850 ZMK
Executive Chef4,380 ZMK
Hotel Manager10,400 ZMK
Travel Agent3,860 ZMK
Waiter / Waitress1,820 ZMK

Health and Medical
Dentist13,700 ZMK
Dietitian11,800 ZMK
Laboratory Technician4,690 ZMK
Nurse4,590 ZMK

Human Resources
Human Resources Manager8,930 ZMK
Human Resources Officer3,460 ZMK

Information Technology
Computer Technician4,610 ZMK
Database Administrator5,900 ZMK
Developer / Programmer6,060 ZMK
Information Technology Manager9,760 ZMK
Network Engineer5,380 ZMK

Law Enforcement / Security / Fire
Police Officer3,660 ZMK

Attorney11,700 ZMK
Legal Assistant3,270 ZMK

Media / Broadcasting / Arts / Entertainment
Journalist6,800 ZMK

Pharmaceutical and Biotechnology
Biomedical Engineer5,070 ZMK
Pharmacist7,310 ZMK

Sales Retail and Wholesale
Cashier2,360 ZMK
Sales Manager9,920 ZMK
Sales Representative3,900 ZMK

Teaching / Education
Elementary School Teacher3,930 ZMK
Secondary School Teacher4,660 ZMK

Average Hourly Wage in Zambia

35 ZMK per hour

The average hourly wage (pay per hour) in Zambia is 35 ZMK. This means that the average person in Zambia earns approximately 35 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
Lusaka6,930 ZMK

Government vs Private Sector Salary Comparison

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 on average across all sectors.

Private Sector
5,580 ZMK
Public Sector+17%
6,540 ZMK
Percentage increase and decrease are relative to the previous value

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