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

Monthly Cost of Living

A single person spends $348 per month in Jammu vs $504 in Rawalpindi, rent included.

A couple spends around $575 per month in Jammu vs $786 in Rawalpindi, rent included.

A family of three spends $803 per month in Jammu vs $1,069 in Rawalpindi, rent included.

Jammu is about 31% cheaper than Rawalpindi, driven mainly by Clothing & Footwear.

Both Jammu and Rawalpindi are more affordable than the global median – Jammu 75% lower, Rawalpindi 63% lower.

Meal at Budget Restaurant

$3.59 ₹339

$2.12 PKR 588

69.34%

Three-Course Dinner for Two, Mid-Range

$11.47 ₹1,083

$15.93 PKR 4,416

-28.00%

Fast Food Meal (McDonalds, etc)

$3.60 ₹340

$5.89 PKR 1,633

-38.88%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.81 PKR 502

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.52 PKR 976

Cappuccino

$1.07 ₹101

$1.94 PKR 538

-44.85%

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

$0.31 ₹28.87

$0.44 PKR 122

-29.55%

Water (0.33 liter bottle)

$0.12 ₹11.38

$0.25 PKR 69.4

-52.00%

Local Beer (0.5 liter draught)

$1.60 ₹152

Imported Beer (0.33 liter bottle)

$3.07 ₹290

Milk (1 liter)

$0.63 ₹59.2

$0.90 PKR 250

-30.00%

White Bread (500g)

$0.37 ₹35.32

$0.55 PKR 152

-32.73%

Rice (white) (1kg)

$0.89 ₹84.0

$1.23 PKR 342

-27.64%

Eggs

$1.00 ₹94.9

$1.11 PKR 307

-9.91%

Local Cheese (1kg)

$4.01 ₹379

$6.16 PKR 1,708

-34.90%

Chicken Fillets (1kg)

$1.57 ₹149

$3.57 PKR 988

-56.02%

Beef Round Steak (1kg)

$5.22 PKR 1,446

Apples (1kg)

$1.15 ₹109

$1.14 PKR 316

0.88%

Banana (1kg)

$0.92 ₹86.6

$0.86 PKR 237

6.98%

Oranges (1kg)

$0.69 ₹65.3

$1.23 PKR 340

-43.90%

Tomato (1kg)

$0.55 ₹52.3

$0.57 PKR 158

-3.51%

Potato (1kg)

$0.34 ₹32.40

$0.36 PKR 99.3

-5.56%

Onion (1kg)

$0.55 ₹51.7

$0.46 PKR 127

19.57%

Lettuce (1 head)

$0.58 ₹55.1

$0.33 PKR 92.1

75.76%

Water (1.5 liter bottle)

$0.29 ₹27.19

$0.40 PKR 111

-27.50%

Bottle of Non-Alcoholic Wine (Mid-Range)

$16.28 PKR 4,515

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.20 PKR 332

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.46 PKR 681

Cigarettes 20 Pack (Marlboro, Camel)

$4.26 ₹402

$1.93 PKR 535

120.73%

Wine (Bottle)

$8.00 ₹756

Local Beer (0.5 liter bottle)

$1.34 ₹127

Imported Beer (0.33 liter bottle)

$3.16 ₹298

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

$2.87 ₹272

One-way Ticket (Public Transport)

$0.25 ₹23.43

$0.16 PKR 43.62

56.25%

Public Transport Monthly Pass (Regular Price)

$3.24 ₹306

$10.12 PKR 2,807

-67.98%

Taxi Start (Normal Tariff)

$1.59 ₹150

$0.91 PKR 253

74.73%

Taxi (Normal Tariff) (1km)

$0.25 ₹23.47

$0.38 PKR 104

-34.21%

Taxi 1hour Waiting (Normal Tariff)

$1.86 ₹176

$3.16 PKR 876

-41.14%

Gasoline (1 liter)

$1.09 ₹103

$1.13 PKR 312

-3.54%

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

$14.3K ₹1.3M

$18.2K PKR 5.1M

-21.65%

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

$22.6K ₹2.1M

$25.0K PKR 6.9M

-9.69%

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

$48.47 ₹4,579

$115 PKR 31.9K

-57.85%

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

$3.29 ₹311

$5.49 PKR 1,522

-40.07%

Internet (50+ Mbps, Unlimited Data)

$6.62 ₹625

$18.67 PKR 5,175

-64.54%

Gym Membership (Monthly)

$13.94 ₹1,317

$12.12 PKR 3,361

15.02%

Tennis Court (1 Hour on Weekend)

$15.74 ₹1,487

$6.75 PKR 1,872

133.19%

Cinema Ticket

$2.60 ₹245

$4.28 PKR 1,187

-39.25%

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

$36.70 ₹3,467

$48.47 PKR 13.4K

-24.28%

International Primary School, 1 Child (Yearly)

$1,100 ₹103.9K

$844 PKR 234.0K

30.35%

Jeans (Levis 501 Or Similar)

$26.09 ₹2,465

$20.85 PKR 5,780

25.13%

Summer Dress (H&M, Zara, etc)

$31.32 ₹2,959

$28.03 PKR 7,771

11.74%

Sport Shoes (Adidas, Nike)

$42.39 ₹4,005

$91.0 PKR 25.2K

-53.42%

Men's Leather Business Shoes

$28.11 ₹2,656

$36.28 PKR 10.1K

-22.52%

1-bedroom Apartment, City Center (Monthly)

$96.3 ₹9,102

$204 PKR 56.7K

-52.85%

1-bedroom Apartment, Outside City Center (Monthly)

$53.0 ₹5,003

$82.0 PKR 22.7K

-35.44%

3-bedroom Apartment, City Center (Monthly)

$241 ₹22.8K

$438 PKR 121.5K

-44.90%

3-bedroom Apartment, Outside City Center (Monthly)

$162 ₹15.3K

$225 PKR 62.5K

-28.24%

Buy Apartment in City Center (m2)

$989 ₹93.4K

$1,164 PKR 322.8K

-15.05%

Buy Apartment Outside City Center (m2)

$523 ₹49.5K

$512 PKR 142.1K

2.15%

Average Monthly Net Salary (After Tax)

$492 ₹46.5K

$175 PKR 48.4K

181.69%

20-Year Fixed Mortgage Interest Rate (Annual %)

10.5

22.81

-53.97%

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

Last update for Jammu: August 31, 2026

Last update for Rawalpindi: September 1, 2026

Cost Breakdown

A central one-bedroom costs $96.3 in Jammu versus $204 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 182% 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 $11.00 in Jammu versus $16.00 in Rawalpindi. Monthly groceries follow the same trend: $91.0 vs $103 – making Jammu the more affordable choice for daily food spending.

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 45%, and the gap shows up most in Clothing & Footwear. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $521 per month in Jammu and $756 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 $11.00 in Jammu and $16.00 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 $348 in Jammu and $504 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 $348 in Jammu and $504 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.