Chad is very affordable, with a low estimated Cost of Living Index (CPI) well below 40. Rent (index 9.37) and groceries (index 39.34) are significantly lower than in major global cities.

The housing market is very affordable, with a property price to income ratio of approximately 2.69 years. The rent index is also very low at 9.37.

Purchasing power is low, reflecting Chad's status as a low-income country with a per capita income of $1,040. The minimum wage is approximately $0.48-$0.56 per hour.

Chad's tax system includes an 18% standard VAT rate and a 35% corporate income tax. Property tax on unbuilt land is 21% in N'Djamena. Employee social security contributions are 3.5%, while employers contribute 16.5%.

Chad's business environment is challenging, ranking 186th globally for ease of starting a business. It is characterized by limited infrastructure, regulatory complexities, and bureaucratic delays, despite efforts to attract investment.

Chad's social security system is limited. Healthcare is severely under-resourced with a critical shortage of medical staff and facilities. A social insurance pension system exists for salaried workers, but no statutory unemployment benefits were identified.

Deposits are protected up to 10 million CFA francs (approximately USD 17,857) per depositor per institution under the FOGADAC scheme, which operates across the CEMAC zone. However, Chad's banking sector is small, underdeveloped, and faces challenges with stability and regulatory effectiveness.