Last update: Oct 2026

Cost of Living Comparison Between Cagayan de Oro City and Karachi

For one person, living is cheaper in Karachi: $482 a month against $771 in Cagayan de Oro City, rent and utilities included – about $3,500 less a year. Rent and utilities account for most of the difference.

37

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index
23

Cost of Living Index in Karachi
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Karachi Living Index

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Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Karachi

🇵🇰 Pakistan

$482

/mo nomad

Monthly Cost of Living

How much you'll spend in Cagayan de Oro City and in Karachi

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cagayan de Oro City and in Karachi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $771 in Cagayan de Oro City versus $482 in Karachi.

Cagayan de Oro City $771
Karachi $482

Estimated couple costs with rent: $1,141 in Cagayan de Oro City versus $750 in Karachi.

Cagayan de Oro City $1,141
Karachi $750

Monthly costs for a family of three with rent: $1,511 in Cagayan de Oro City versus $1,018 in Karachi.

Cagayan de Oro City $1,511
Karachi $1,018

Living in Cagayan de Oro City is roughly 60% more expensive than in Karachi, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cagayan de Oro City 43% lower, Karachi 64% lower.

Meal at Budget Restaurant

$3.68 ₱231

$2.13 PKR 588

72.77%

Three-Course Dinner for Two, Mid-Range

$12.80 ₱806

$13.30 PKR 3,680

-3.76%

Fast Food Meal (McDonalds, etc)

$3.05 ₱192

$5.45 PKR 1,508

-44.04%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.19 PKR 607

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.24 PKR 2,005

Cappuccino

$2.33 ₱147

$2.09 PKR 579

11.48%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.76 ₱47.91

$0.40 PKR 111

90.00%

Water (0.33 liter bottle)

$0.64 ₱39.98

$0.26 PKR 71.1

146.15%

Local Beer (0.5 liter draught)

$1.38 ₱86.9

Imported Beer (0.33 liter bottle)

$1.98 ₱124

Milk (1 liter)

$1.48 ₱93.4

$0.92 PKR 254

60.87%

White Bread (500g)

$0.89 ₱56.2

$0.56 PKR 156

58.93%

Rice (white) (1kg)

$0.92 ₱58.0

$1.25 PKR 345

-26.40%

Eggs

$2.17 ₱137

$1.23 PKR 341

76.42%

Local Cheese (1kg)

$8.67 ₱546

$5.67 PKR 1,570

52.91%

Chicken Fillets (1kg)

$3.29 ₱207

$3.16 PKR 876

4.11%

Beef Round Steak (1kg)

$5.76 ₱363

$6.28 PKR 1,737

-8.28%

Apples (1kg)

$2.05 ₱129

$1.26 PKR 348

62.70%

Banana (1kg)

$1.08 ₱68.3

$0.53 PKR 148

103.77%

Oranges (1kg)

$2.38 ₱150

$1.00 PKR 276

138.00%

Tomato (1kg)

$1.14 ₱71.9

$0.56 PKR 154

103.57%

Potato (1kg)

$1.92 ₱121

$0.33 PKR 91.4

481.82%

Onion (1kg)

$2.53 ₱159

$0.34 PKR 95.1

644.12%

Lettuce (1 head)

$0.76 ₱47.87

$0.42 PKR 116

80.95%

Water (1.5 liter bottle)

$0.48 ₱30.30

$0.44 PKR 121

9.09%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.25 PKR 346

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.32 PKR 365

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.42 PKR 670

Cigarettes 20 Pack (Marlboro, Camel)

$3.02 ₱190

$1.84 PKR 509

64.13%

Wine (Bottle)

$3.97 ₱250

Local Beer (0.5 liter bottle)

$1.22 ₱77.0

Imported Beer (0.33 liter bottle)

$1.93 ₱122

One-way Ticket (Public Transport)

$0.41 ₱25.99

$0.28 PKR 77.0

46.43%

Public Transport Monthly Pass (Regular Price)

$9.84 ₱620

$9.99 PKR 2,764

-1.50%

Taxi Start (Normal Tariff)

$0.63 ₱39.57

$0.92 PKR 256

-31.52%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.18

$0.70 PKR 193

-70.00%

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱122

$2.16 PKR 597

-10.19%

Gasoline (1 liter)

$1.08 ₱67.8

$1.38 PKR 382

-21.74%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$21.1K ₱1.3M

$17.9K PKR 5.0M

18.15%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$18.9K ₱1.2M

$27.1K PKR 7.5M

-30.24%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$137 ₱8,600

$113 PKR 31.4K

20.41%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$22.77 ₱1,433

$5.95 PKR 1,648

282.69%

Internet (50+ Mbps, Unlimited Data)

$30.51 ₱1,921

$13.16 PKR 3,642

131.84%

Gym Membership (Monthly)

$20.70 ₱1,303

$21.55 PKR 5,965

-3.94%

Tennis Court (1 Hour on Weekend)

$2.87 ₱181

$18.23 PKR 5,044

-84.26%

Cinema Ticket

$4.55 ₱286

$4.21 PKR 1,165

8.08%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$66.4 ₱4,181

$52.2 PKR 14.4K

27.34%

International Primary School, 1 Child (Yearly)

$2,257 ₱142.1K

$1,940 PKR 537.0K

16.33%

Jeans (Levis 501 Or Similar)

$31.71 ₱1,997

$17.55 PKR 4,858

80.68%

Summer Dress (H&M, Zara, etc)

$13.08 ₱824

$23.51 PKR 6,506

-44.36%

Sport Shoes (Adidas, Nike)

$52.4 ₱3,300

$68.9 PKR 19.1K

-23.89%

Men's Leather Business Shoes

$39.65 ₱2,496

$40.59 PKR 11.2K

-2.32%

1-bedroom Apartment, City Center (Monthly)

$377 ₱23.8K

$118 PKR 32.7K

219.85%

1-bedroom Apartment, Outside City Center (Monthly)

$229 ₱14.4K

$73.6 PKR 20.4K

210.46%

3-bedroom Apartment, City Center (Monthly)

$693 ₱43.7K

$357 PKR 98.9K

93.99%

3-bedroom Apartment, Outside City Center (Monthly)

$452 ₱28.5K

$188 PKR 52.0K

140.57%

Buy Apartment in City Center (m2)

$1,604 ₱101.0K

$1,060 PKR 293.4K

51.27%

Buy Apartment Outside City Center (m2)

$951 ₱59.9K

$481 PKR 133.1K

97.80%

Average Monthly Net Salary (After Tax)

$302 ₱19.0K

$183 PKR 50.6K

65.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

13.21

-48.90%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Cagayan de Oro City: October 13, 2026

Last update for Karachi: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Cagayan de Oro City

$229 29.6%

Karachi

$74 15.3% 67.8% $155

Monthly Utilities & Internet

Cagayan de Oro City

$190 24.6%

Karachi

$133 27.5% 30.2% $57

Groceries & Markets

Cagayan de Oro City

$165 21.4%

Karachi

$101 21% 38.8% $64

Eating Out

Cagayan de Oro City

$83 10.8%

Karachi

$61 12.7% 26.4% $22

Clothing & Footwear

Cagayan de Oro City

$62 8%

Karachi

$68 14.1% 10% $6.1

Sport & Entertainment

Cagayan de Oro City

$30 3.9%

Karachi

$30 6.2% 0.6% $0.2

Getting Around

Cagayan de Oro City

$13 1.7%

Karachi

$16 3.2% 17.8% $2.3

Cost Breakdown

A one-bedroom apartment in the center runs $377 in Cagayan de Oro City and $118 in Karachi. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 65% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $13.00 in Cagayan de Oro City vs $13.00 in Karachi. Groceries flip the comparison at $165 vs $101, with Karachi cheaper for home cooking.

Good to know

🇵🇭 Cagayan de Oro City

🇵🇰 Karachi

🕒 Local time

02:35 2:35 AM

23:35 11:35 PM

3 h behind Cagayan de Oro City

🌤 Weather

👥 Population

728,402

14,910,352

💱 Currency

Philippine Peso PHP ₱

Pakistani Rupee PKR ₨

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Pakistani Rupee exchange rates as of October 18, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to PHP in detail →

On the map

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Between locations

Cagayan de Oro City Karachi 6,350 km ≈ 8 h nonstop flight

From you

Cagayan de Oro City
Karachi

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Cagayan de Oro City vs Karachi: Cost of Living - Frequently Asked Questions

Cagayan de Oro City and Karachi differ by about 60% in total monthly costs ($771 vs $482 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 65% higher in Cagayan de Oro City, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $377 in Cagayan de Oro City versus $118 in Karachi. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 63% higher in Cagayan de Oro City. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Karachi – a meal for two runs $13.00 versus $13.00 in Cagayan de Oro City. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,200 a month, though Karachi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Cagayan de Oro City and Karachi are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Karachi gentler on the wallet – expenses run 60% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.