Cost of Living Comparison Between Jammu and Rawalpindi Cost of Living Comparison Between Jammu and Rawalpindi

Monthly Cost of Living

A single person spends $342 per month in Jammu vs $429 in Rawalpindi, rent included.

A couple spends around $583 per month in Jammu vs $679 in Rawalpindi, rent included.

A family of three spends $825 per month in Jammu vs $929 in Rawalpindi, rent included.

Jammu is about 20% cheaper than Rawalpindi, driven mainly by Monthly Utilities & Internet.

Both Jammu and Rawalpindi are more affordable than the global median – Jammu 75% lower, Rawalpindi 68% lower.

Meal at Budget Restaurant

$3.17 ₹303

$1.78 PKR 496

78.09%

Three-Course Dinner for Two, Mid-Range

$11.66 ₹1,116

$14.22 PKR 3,957

-18.00%

Fast Food Meal (McDonalds, etc)

$2.83 ₹271

$5.29 PKR 1,470

-46.50%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.54 PKR 429

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.40 PKR 947

Cappuccino

$1.18 ₹113

$1.73 PKR 481

-31.79%

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

$0.39 ₹37.74

$0.32 PKR 88.9

21.88%

Water (0.33 liter bottle)

$0.15 ₹14.18

$0.23 PKR 64.2

-34.78%

Local Beer (0.5 liter draught)

$1.39 ₹133

Imported Beer (0.33 liter bottle)

$2.70 ₹258

Milk (1 liter)

$0.66 ₹63.1

$0.79 PKR 219

-16.46%

White Bread (500g)

$0.38 ₹36.74

$0.57 PKR 158

-33.33%

Rice (white) (1kg)

$0.77 ₹73.7

$1.23 PKR 343

-37.40%

Eggs

$0.97 ₹92.9

$1.12 PKR 311

-13.39%

Local Cheese (1kg)

$3.98 ₹381

$6.09 PKR 1,693

-34.65%

Chicken Fillets (1kg)

$2.37 ₹226

$3.39 PKR 944

-30.09%

Beef Round Steak (1kg)

$4.57 PKR 1,271

Apples (1kg)

$1.25 ₹119

$1.02 PKR 283

22.55%

Banana (1kg)

$0.95 ₹91.3

$0.67 PKR 186

41.79%

Oranges (1kg)

$0.92 ₹87.6

$0.92 PKR 257

Tomato (1kg)

$0.55 ₹52.7

$0.47 PKR 132

17.02%

Potato (1kg)

$0.37 ₹35.57

$0.33 PKR 93.2

12.12%

Onion (1kg)

$0.53 ₹50.4

$0.52 PKR 144

1.92%

Lettuce (1 head)

$0.64 ₹61.1

$0.26 PKR 72.7

146.15%

Water (1.5 liter bottle)

$0.31 ₹29.60

$0.37 PKR 102

-16.22%

Bottle of Non-Alcoholic Wine (Mid-Range)

$16.44 PKR 4,573

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.04 PKR 288

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.41 PKR 669

Cigarettes 20 Pack (Marlboro, Camel)

$3.83 ₹367

$1.90 PKR 528

101.58%

Wine (Bottle)

$7.87 ₹753

Local Beer (0.5 liter bottle)

$1.47 ₹140

Imported Beer (0.33 liter bottle)

$2.55 ₹244

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$3.86 ₹369

One-way Ticket (Public Transport)

$0.30 ₹28.87

$0.18 PKR 49.36

66.67%

Public Transport Monthly Pass (Regular Price)

$3.41 ₹326

$9.89 PKR 2,751

-65.52%

Taxi Start (Normal Tariff)

$1.79 ₹171

$0.91 PKR 253

96.70%

Taxi (Normal Tariff) (1km)

$0.28 ₹26.64

$0.35 PKR 97.5

-20.00%

Taxi 1hour Waiting (Normal Tariff)

$2.39 ₹228

$2.97 PKR 826

-19.53%

Gasoline (1 liter)

$1.22 ₹116

$0.96 PKR 267

27.08%

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

$17.5K ₹1.7M

$18.0K PKR 5.0M

-2.76%

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

$26.8K ₹2.6M

$22.8K PKR 6.3M

17.67%

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

$32.07 ₹3,069

$100 PKR 28.0K

-68.08%

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

$3.57 ₹342

$3.99 PKR 1,111

-10.53%

Internet (50+ Mbps, Unlimited Data)

$7.47 ₹714

$16.64 PKR 4,630

-55.11%

Gym Membership (Monthly)

$16.38 ₹1,568

$10.14 PKR 2,821

61.54%

Tennis Court (1 Hour on Weekend)

$6.88 ₹659

$7.67 PKR 2,134

-10.30%

Cinema Ticket

$2.83 ₹270

$3.60 PKR 1,003

-21.39%

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

$40.35 ₹3,862

$39.75 PKR 11.1K

1.51%

International Primary School, 1 Child (Yearly)

$1,204 ₹115.2K

$962 PKR 267.6K

25.15%

Jeans (Levis 501 Or Similar)

$26.53 ₹2,539

$11.80 PKR 3,282

124.83%

Summer Dress (H&M, Zara, etc)

$32.07 ₹3,069

$18.84 PKR 5,242

70.22%

Sport Shoes (Adidas, Nike)

$42.62 ₹4,078

$87.8 PKR 24.4K

-51.45%

Men's Leather Business Shoes

$25.79 ₹2,468

$28.38 PKR 7,896

-9.13%

1-bedroom Apartment, City Center (Monthly)

$98.5 ₹9,429

$130 PKR 36.1K

-24.03%

1-bedroom Apartment, Outside City Center (Monthly)

$57.1 ₹5,463

$66.4 PKR 18.5K

-14.05%

3-bedroom Apartment, City Center (Monthly)

$255 ₹24.4K

$324 PKR 90.1K

-21.17%

3-bedroom Apartment, Outside City Center (Monthly)

$175 ₹16.7K

$173 PKR 48.1K

1.05%

Buy Apartment in City Center (m2)

$970 ₹92.8K

$1,173 PKR 326.4K

-17.36%

Buy Apartment Outside City Center (m2)

$523 ₹50.1K

$516 PKR 143.5K

1.39%

Average Monthly Net Salary (After Tax)

$496 ₹47.5K

$171 PKR 47.6K

190.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.83

20.17

-31.43%

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

Last update for Jammu: June 2, 2026

Last update for Rawalpindi: June 1, 2026

Cost Breakdown

A central one-bedroom costs $98.5 in Jammu versus $130 in Rawalpindi. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 190% higher in Jammu, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $12.00 in Jammu versus $14.00 in Rawalpindi. Groceries tell a different story – $96.0 in Jammu vs $95.0 in Rawalpindi – so Rawalpindi wins on supermarket bills even if dining out costs more.

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

Jammu vs Rawalpindi: Cost of Living - Frequently Asked Questions

Yes – Rawalpindi is pricier by about 26%, and the gap shows up most in Monthly Utilities & Internet. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $513 per month in Jammu and $644 in Rawalpindi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Jammu, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $12.00 in Jammu and $14.00 in Rawalpindi. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $342 in Jammu and $429 in Rawalpindi. The difference isn't just one category – it shows up across housing, food, transport, and services.

$1,000 covers both cities comfortably – all-in costs are $342 in Jammu and $429 in Rawalpindi, leaving budget for savings and extras in both cases.

Families tend to lean toward Jammu – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Jammu. If higher salaries, better infrastructure, or specific career opportunities are the priority, Rawalpindi makes more sense. Both are solid long-term options with distinct trade-offs.