¿Se puede vivir con el salario mínimo en Uruguay?

Solo y alquilando al precio promedio, no: el líquido del mínimo es $ 20.408 y el alquiler promedio de un contrato nuevo en Montevideo es $ 23.814. Las cuentas que sí cierran son las de una pieza en una pensión o residencia, una casa chica en el interior o una vivienda entre dos personas que cobran el mínimo. Todas piden decisiones —ir a pie, atenderse en ASSE, apartar el aguinaldo— y lo que sobra, cuando sobra, es poco.

¿Cuánto cobra en la mano quien gana el salario mínimo?

El salario mínimo nacional es $ 25.383 por mes desde el 1.º de julio de 2026 (Decreto 319/025). Descontados el aporte jubilatorio, FONASA y el FRL quedan $ 20.408 líquidos. Con el aguinaldo y el salario vacacional repartidos en el año, el equivalente mensual es $ 23.243.

¿Cuánto puedo pagar de alquiler con el sueldo mínimo?

Depende de lo demás. Con el presupuesto austero del sitio, en Montevideo y sin cambiar nada, para una pieza quedan $ 4.770 por mes. Yendo a pie, atendiéndote en ASSE y apartando el aguinaldo y el salario vacacional, $ 10.293. Para una casa o un apartamento hay que restar además la luz y el agua ($ 3.100).

¿Me dan garantía de alquiler con el sueldo mínimo?

ANDA garantiza hasta el 40 % del nominal: $ 10.153 con un sueldo mínimo. El Fondo de Garantía de Alquiler pide 15 UR de líquido del núcleo ($ 28.852): con un solo mínimo no se llega, con dos sí. Entre 18 y 29 años, el FGA Jóvenes no pide un mínimo si alquilás solo, pero el alquiler no puede pasar del 40 % de tus ingresos ($ 8.163). Una pensión no pide garantía.

¿Por qué la cuenta pone la salud en cero?

Porque en ASSE quienes se atienden por FONASA no pagan órdenes ni tickets. En una mutualista, el modelo del sitio cuenta $ 900 por mes. Lo que no cambia es el descuento de FONASA del recibo, que ya está restado en el líquido.

¿Es realista contar el aguinaldo todos los meses?

Sólo si lo apartás: el aguinaldo se cobra en junio y en diciembre, y el salario vacacional antes de la licencia. Hasta el primer cobro la cuenta arranca $ 2.835 más abajo, y el primer año de trabajo no trae salario vacacional.

¿Y si tengo hijos a cargo?

Esta cuenta es para personas sin hijos a cargo. Con hijos cambian dos cosas: los gastos y lo que pone el Estado —asignaciones familiares, tarifas sociales—, y eso se calcula aparte.

Rentals
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Living on the minimum wage

Living on the minimum wage in Uruguay: the ways that are closing

The minimum wage is $25.383 per month, leaving $20.408 in take-home pay. Living alone and renting at the average Montevideo rate ($23.814 for a new contract) isn't enough: that's a lot of work. Is it possible to live on 25.000?Here's the other one: the ways in which it does close, with the rental ads that come in today.

Today, notices are coming in 3 out of 4 waysWith 423 units, 34 apartments for one person inside and 2.452 apartments for two minimum wage earners. Most people get in if they confirm a detail that the ad doesn't publish—common expenses or whether the room includes electricity and water—: each ad states what and up to how much it can cost.

The four ways

The roof is what's left for housing after eating, getting around, and everything else, with the decisions that are marked in the monthly account.

One piece

A room in a boarding house, a residence, or a shared apartment.

Ceiling

$10.293 in Montevideo · $11.680 in the interior per month, for the room.

423 notices come in, from $3.000. 266 with one piece of data to be confirmed.

Without account decisions: 38 notices.

Alone, inside

A house or apartment in your name, outside of Montevideo.

Ceiling

$8.580 per month, for rent and common expenses.

34 notices come in, from $6.500. 34 with one piece of data to be confirmed.

Without account decisions: 0 notices.

Between two minimum wages

A house or apartment for two people earning the minimum wage: a couple, friends, or siblings.

Roof between the two

$17.021 in Montevideo · $19.795 in the interior per month, for rent and common expenses.

2.452 notices come in, from $6.500. 2.107 with one piece of data to be confirmed.

Without account decisions: 20 notices.

Alone, in Montevideo

A house or apartment in your name in Montevideo.

Ceiling

$7.193 per month, for rent and common expenses.

No notifications are coming in today.

Without account decisions: 0 notices.

The bill for the month

Each decision raises the ceiling in this way, as it says next to it.

Go to work on foot or by bike (+$1.788 in Montevideo, +$1.102 in the interior)

Get treatment at ASSE (+$ 900)

Set aside the Christmas bonus (+$ 1.701)

Set aside vacation pay (+$ 1.134)

One piece · Montevideo
Net salary	$ 20.408
Christmas bonus, set aside per month	$ 1.701
Holiday pay, itemized per month	$ 1.134
Food (austere profile)	− $ 9.750
Cellular	− $ 600
On foot or by bike	− $ 500
Health at ASSE (without tickets)	$ 0
Clothing, hygiene and miscellaneous	− $ 2.100
Roof for the room	$ 10.293

One piece · Interior
Net salary	$ 20.408
Christmas bonus, set aside per month	$ 1.701
Holiday pay, itemized per month	$ 1.134
Food (austere profile)	− $ 8.363
Cellular	− $ 600
On foot or by bike	− $ 500
Health at ASSE (without tickets)	$ 0
Clothing, hygiene and miscellaneous	− $ 2.100
Roof for the room	$ 11.680

Food, clothing, and miscellaneous items in the austere profile of cost of living of the site; inside the food follows the relationship between the INE baskets and the bus is 30% cheaper, as in that model (shorter distances).

Incoming notices: One piece

423 Current notifications are entered into the account. First, those that close with all the data visible, then those that close if the missing information is confirmed.

Student residence in Paysandú$ 3.000
Room · Paysandú · Facebook Marketplace
Closing: you have $8.680 left over per month.
Services included, according to the notice
Pension or residence
It is advertised for students.
3 identical notices
How to enter: Pension, without guarantee
Room for rent with private bathroom from 4800 pesos, electricity and water included$ 4.800
Room · Paysandú · Facebook Marketplace
Closing: you have $6.880 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room for rent with bathroom$ 4.800
Room · Paysandú · Facebook Marketplace
Closing: you have $6.880 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Rooms for rent [hidden information]$ 5.000
Room · Montevideo · Facebook Marketplace
Closing: you have $5.293 left over per month.
Services included, according to the notice
3 identical notices
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room for rent with private bathroom$ 5.000
Room · Paysandú · Facebook Marketplace
Closing: you have $6.680 left over per month.
Services included, according to the notice
7 identical notices
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room for rent with private bathroom from 5000 pesos, electricity and water included$ 5.000
Room · Paysandú · Facebook Marketplace
Closing: you have $6.680 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
I rent rooms with private bathroom from 5000 pesos, electricity and water included$ 5.000
Room · Paysandú · Facebook Marketplace
Closing: you have $6.680 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room for rent with private bathroom from 5500$ 5.500
Room · Paysandú · Facebook Marketplace
Closing: you have $6.180 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Rooms for rent [hidden information]$ 6.000
Room · Montevideo · Facebook Marketplace
Closing: you have $4.293 left over per month.
Services included, according to the notice
8 identical notices
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room rentals [hidden information]$ 6.000
Room · Montevideo · Facebook Marketplace
Closing: you have $4.293 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room with private bathroom for rent$ 6.000
Room · Paysandú · Facebook Marketplace
Closing: you have $5.680 left over per month.
Services included, according to the notice
2 identical notices
How to enter: The notice doesn't say what they're asking for: ask before you go.
Rooms for rent $6800$ 6.800
Room · Paysandú · Facebook Marketplace
Closing: you have $4.880 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room for rent with private bathroom$ 6.900
Room · Paysandú · Facebook Marketplace
Closing: you have $4.780 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Student residences$ 7.000
Room · Paysandú · Facebook Marketplace
Closing: you have $4.680 left over per month.
Services included, according to the notice
Men only
How to enter: The notice doesn't say what they're asking for: ask before you go.
Female student residence$ 7.000
Room · Paysandú · Facebook Marketplace
Closing: you have $4.680 left over per month.
Services included, according to the notice
Pension or residence
Women only
How to enter: Pension, without guarantee
Pieza en alquiler en 33$ 7.000
Habitación · Treinta y Tres · Facebook Marketplace
Closing: you have $4.680 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Rooms for rent [hidden information]$ 7.500
Room · Montevideo · Facebook Marketplace
Closing: you have $2.793 left over per month.
Services included, according to the notice
47 identical notices
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room for rent [hidden information]$ 7.500
Room · Montevideo · Facebook Marketplace
Closing: you have $2.793 left over per month.
Services included, according to the notice
2 identical notices
How to enter: The notice doesn't say what they're asking for: ask before you go.
Alquilo habitaciónes$ 7.500
Room · Montevideo · Facebook Marketplace
Closing: you have $2.793 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Hogar estudiantil femenino$ 7.690
Habitación · CORDON, Montevideo · Inmuebles El País
Closing: you have $2.603 left over per month.
Services included, according to the notice
Pension or residence
Women only
How to enter: Pension, without guarantee
1 habitación 1 baño - Solo habitación$ 8.000
Habitación · Artigas · Facebook Marketplace
Closing: you have $3.680 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.
Alquilo habitaciones compartidas$ 8.000
Habitación · Colonia · Facebook Marketplace
Closing: you have $3.680 left over per month.
Services included, according to the notice
There are shared pieces
Men only
How to enter: The notice doesn't say what they're asking for: ask before you go.
Rooms for rent [hidden information]$ 8.000
Room · Montevideo · Facebook Marketplace
Closing: you have $2.293 left over per month.
Services included, according to the notice
5 identical notices
How to enter: The notice doesn't say what they're asking for: ask before you go.
Room for rent [hidden information]$ 8.000
Room · Montevideo · Facebook Marketplace
Closing: you have $2.293 left over per month.
Services included, according to the notice
How to enter: The notice doesn't say what they're asking for: ask before you go.

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What each decision does

Go to work on foot or by bike: Dos boletos por día, veintidós días por mes, son $ 2.288 en Montevideo con tarjeta STM. A pie o en bici el modelo del sitio cuenta $ 500 de mantenimiento. Sirve si vivís a una distancia que se camina, y por eso la pieza céntrica y el trabajo cerca van juntos. Fountain.
Get treatment at ASSE: With FONASA, you choose your provider, and at ASSE, those affiliated with FONASA "don't pay for any co-payments or receipts, for any aspect of their care." At a private health insurance provider (mutualista), the website's model estimates a monthly charge of $900 for co-payments and receipts. If you're already enrolled in a private health insurance provider, switching has rules: check your eligibility beforehand. Fountain.
Set aside the Christmas bonus: The Christmas bonus is an extra month's salary per year, paid in two installments (June and December). Spread over twelve months, it amounts to $1.701 per month, but only if you save it when it arrives and use it gradually. Fountain.
Set aside vacation pay: Before the leave, you receive an additional 20 days' net pay, without contributions: $1.134 per month if you spread it out over the year. You haven't earned that amount yet for the first year of work. Fountain.
No internet at home: Using your mobile data saves you $1.650 per month, the internet fee for the model listed on the site. The bill doesn't change in one room: what's charged separately for services is what the ad needs to confirm. Fountain.

How to get in: the guarantee

With a minimum wage, the problem isn't just the monthly salary: it's getting hired. These are the listings that publish a rule, and each ad indicates which ones comply with the rental agreement.

Pension, without guarantee: A guesthouse or residence is accommodation, not a rental: they don't require a security deposit. It's customary to pay the first month's rent in advance. Further.
ANDA: It guarantees a rent of up to 40% of nominal income: with a minimum wage, up to $10.153; with two, up to $20.306. You must be a member and have 4 months of seniority in the job. Fountain.
Rental Guarantee Fund: It requires a core income of at least 15 UR ($28.852): one minimum wage alone isn't enough, but two are. It covers rents up to 18 UR. Fountain.
FGA Youth (18 to 29 years old): If you rent alone, there is no minimum income requirement, but the rent cannot exceed 40% of your income: with the minimum, up to $8.163. A deposit of 12% of the guarantee is required, only once. Fountain.
Without warranty (Law 19.889): It's legal to rent without a deposit if the landlord agrees and the contract states it in writing. They can't ask for more than one month's rent in advance. Fountain.

All options, with their monthly cost and deposit, in the warranty guide.

What this account doesn't have

Saving. The account doesn't set aside anything for unexpected expenses: whether it's a room or just an interior room, a medicine or a broken cell phone can ruin the month. The first cushion comes from setting aside money, not from what's left over.
Eating out. The food reflects the site's austere profile: $9.750 per person in Montevideo, 1,5 times the INE's basic food basket. Cooking at home is sufficient; to organize it, there's the... meal planner.
The move. The advance payment, the deposit if required, and the costs of furnishing the home are not included in the account, which is based on a standard month's budget. The cost of furnishing an empty house, both new and used, is included in the total cost. furnish the house.
Children in care. This account is for people without children. With children, expenses and government benefits change, and this is calculated in living with 25.000.
Fixed prices. These are the prices listed in the last ten days, not the prices actually signed. A listing can be rented and still be published; listings reported as unavailable by two or more people will not appear.
Prices that can't be. We left out 32 listings from the directory whose price is less than 30% of the median for similar homes (same type and number of bedrooms in your department, or in the country if there are few there): it is almost always a currency or period error.

Frequently Asked Questions

Is it possible to live on the minimum wage in Uruguay?: Living alone and renting at the average price? No: the minimum wage is $20.408, and the average rent for a new contract in Montevideo is $23.814. The only options that do work are a room in a boarding house or residence, a small house in the countryside, or a shared apartment for two people earning the minimum wage. All of these require choices—walking, using public healthcare, setting aside the Christmas bonus—and what's left over, when there is any, is very little.
How much does someone earning the minimum wage take home?: The national minimum wage is $25.383 per month as of July 1, 2026 (Decree 319/025). After deductions for pension contributions, FONASA (National Health Fund), and FRL (Retirement Fund), the net amount is $20.408. With the Christmas bonus and vacation pay distributed throughout the year, the monthly equivalent is $23.243.
How much can I pay in rent with the minimum wage?: It depends on everything else. With the site's austere budget, in Montevideo and without changing anything, a room costs $4.770 per month. Walking, using ASSE healthcare, and excluding the Christmas bonus and vacation pay, it's $10.293. For a house or apartment, you also have to subtract electricity and water ($3.100).
Can I get a rental guarantee with the minimum wage?: ANDA guarantees up to 40% of the nominal value: $10.153 with a minimum wage. The Rental Guarantee Fund requires 15 UR of net household income ($28.852): you won't reach this with just one minimum wage, but you will with two. For those between 18 and 29 years old, the FGA Jóvenes (Youth Guarantee Fund) doesn't require a minimum income if you rent alone, but the rent cannot exceed 40% of your income ($8.163). A pension does not require a guarantee.
Why does the account show the health value as zero?: Because at ASSE, those who receive care through FONASA don't pay for referrals or co-pays. At a private healthcare provider, the website's model shows a charge of $900 per month. What doesn't change is the FONASA discount on the bill, which is already deducted from the final amount.
Is it realistic to count the Christmas bonus every month?: Only if you set it aside: the Christmas bonus is paid in June and December, and vacation pay is paid before the vacation. Until the first payment, the calculation starts $2.835 lower, and the first year of employment does not include vacation pay.
What if I have children to care for?: This account is for people without dependent children. With children, two things change: expenses and government benefits—family allowances, social tariffs—and that is calculated separately. What the State provides with a low salary

Sources

Rental directory notices, updated on 11/11/2026.