Last update: Oct 2026

Cost of Living Comparison Between Jammu and Rawalpindi

For one person, living is cheaper in Jammu: $353 a month against $500 in Rawalpindi, rent and utilities included – about $1,800 less a year. Rent and utilities account for most of the difference.

17

Cost of Living Index in Jammu
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Jammu Living Index
24

Cost of Living Index in Rawalpindi
Learn more

Rawalpindi Living Index

Jump to prices

Jammu

🇮🇳 India

$353

/mo nomad

Rawalpindi

🇵🇰 Pakistan

$500

/mo nomad

Monthly Cost of Living

How much you'll spend in Jammu and in Rawalpindi

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

A single person spends $353 per month in Jammu vs $500 in Rawalpindi, rent included.

Jammu $353
Rawalpindi $500

A couple spends around $574 per month in Jammu vs $786 in Rawalpindi, rent included.

Jammu $574
Rawalpindi $786

A family of three spends $795 per month in Jammu vs $1,073 in Rawalpindi, rent included.

Jammu $795
Rawalpindi $1,073

Jammu is about 29% cheaper than Rawalpindi, and outside of rent the biggest gap is in clothing.

Both Jammu and Rawalpindi are more affordable than the global median – Jammu 74% lower, Rawalpindi 63% lower.

Meal at Budget Restaurant

$3.60 ₹342

$2.13 PKR 588

69.01%

Three-Course Dinner for Two, Mid-Range

$11.66 ₹1,107

$16.46 PKR 4,556

-29.16%

Fast Food Meal (McDonalds, etc)

$3.77 ₹358

$6.12 PKR 1,695

-38.40%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.78 PKR 493

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.39 PKR 938

Cappuccino

$1.06 ₹101

$1.93 PKR 534

-45.08%

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

$0.33 ₹31.53

$0.43 PKR 119

-23.26%

Water (0.33 liter bottle)

$0.11 ₹10.74

$0.23 PKR 63.5

-52.17%

Local Beer (0.5 liter draught)

$1.54 ₹147

Imported Beer (0.33 liter bottle)

$3.25 ₹308

Milk (1 liter)

$0.67 ₹63.3

$0.85 PKR 235

-21.18%

White Bread (500g)

$0.38 ₹35.75

$0.59 PKR 163

-35.59%

Rice (white) (1kg)

$0.83 ₹78.7

$1.22 PKR 338

-31.97%

Eggs

$0.94 ₹89.7

$1.11 PKR 308

-15.32%

Local Cheese (1kg)

$3.96 ₹376

$6.08 PKR 1,684

-34.87%

Chicken Fillets (1kg)

$1.51 ₹144

$3.55 PKR 981

-57.46%

Beef Round Steak (1kg)

$5.24 PKR 1,451

Apples (1kg)

$1.12 ₹106

$1.20 PKR 333

-6.67%

Banana (1kg)

$0.99 ₹94.0

$0.87 PKR 240

13.79%

Oranges (1kg)

$0.73 ₹69.6

$1.26 PKR 349

-42.06%

Tomato (1kg)

$0.53 ₹49.87

$0.53 PKR 146

Potato (1kg)

$0.34 ₹32.33

$0.39 PKR 107

-12.82%

Onion (1kg)

$0.51 ₹48.30

$0.48 PKR 134

6.25%

Lettuce (1 head)

$0.60 ₹56.7

$0.32 PKR 88.5

87.50%

Water (1.5 liter bottle)

$0.29 ₹27.34

$0.43 PKR 118

-32.56%

Bottle of Non-Alcoholic Wine (Mid-Range)

$16.54 PKR 4,577

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.22 PKR 337

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.52 PKR 696

Cigarettes 20 Pack (Marlboro, Camel)

$4.28 ₹407

$2.01 PKR 555

112.94%

Wine (Bottle)

$7.79 ₹740

Local Beer (0.5 liter bottle)

$1.36 ₹129

Imported Beer (0.33 liter bottle)

$3.19 ₹303

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

$2.85 ₹271

One-way Ticket (Public Transport)

$0.27 ₹25.85

$0.20 PKR 55.2

35.00%

Public Transport Monthly Pass (Regular Price)

$3.23 ₹307

$9.70 PKR 2,685

-66.70%

Taxi Start (Normal Tariff)

$1.53 ₹146

$0.86 PKR 239

77.91%

Taxi (Normal Tariff) (1km)

$0.25 ₹23.69

$0.37 PKR 103

-32.43%

Taxi 1hour Waiting (Normal Tariff)

$1.81 ₹171

$3.15 PKR 872

-42.54%

Gasoline (1 liter)

$1.11 ₹105

$1.24 PKR 344

-10.48%

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

$11.4K ₹1.1M

$18.7K PKR 5.2M

-39.12%

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

$22.6K ₹2.1M

$23.6K PKR 6.5M

-4.24%

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

$47.18 ₹4,480

$114 PKR 31.5K

-58.49%

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

$3.21 ₹305

$5.84 PKR 1,616

-45.03%

Internet (50+ Mbps, Unlimited Data)

$6.40 ₹608

$18.80 PKR 5,203

-65.96%

Gym Membership (Monthly)

$13.65 ₹1,296

$12.23 PKR 3,385

11.61%

Tennis Court (1 Hour on Weekend)

$6.59 ₹625

$7.45 PKR 2,063

-11.54%

Cinema Ticket

$2.62 ₹249

$4.26 PKR 1,180

-38.50%

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

$36.62 ₹3,477

$48.61 PKR 13.5K

-24.67%

International Primary School, 1 Child (Yearly)

$1,077 ₹102.3K

$1,038 PKR 287.4K

3.70%

Jeans (Levis 501 Or Similar)

$25.90 ₹2,459

$17.45 PKR 4,831

48.42%

Summer Dress (H&M, Zara, etc)

$31.86 ₹3,025

$32.71 PKR 9,054

-2.60%

Sport Shoes (Adidas, Nike)

$41.61 ₹3,952

$92.8 PKR 25.7K

-55.14%

Men's Leather Business Shoes

$28.08 ₹2,667

$35.95 PKR 9,949

-21.89%

1-bedroom Apartment, City Center (Monthly)

$93.5 ₹8,876

$198 PKR 54.8K

-52.76%

1-bedroom Apartment, Outside City Center (Monthly)

$53.5 ₹5,076

$83.1 PKR 23.0K

-35.69%

3-bedroom Apartment, City Center (Monthly)

$245 ₹23.3K

$417 PKR 115.3K

-41.21%

3-bedroom Apartment, Outside City Center (Monthly)

$160 ₹15.2K

$223 PKR 61.8K

-28.29%

Buy Apartment in City Center (m2)

$969 ₹92.0K

$1,196 PKR 331.0K

-18.96%

Buy Apartment Outside City Center (m2)

$534 ₹50.7K

$450 PKR 124.5K

18.75%

Average Monthly Net Salary (After Tax)

$490 ₹46.6K

$175 PKR 48.5K

179.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

11.75

22.81

-48.49%

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

Last update for Jammu: October 19, 2026

Last update for Rawalpindi: October 17, 2026

Monthly budget structure

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

Groceries & Markets

Jammu

$91 25.7%

Rawalpindi

$103 20.6% 13.4% $12

Eating Out

Jammu

$69 19.5%

Rawalpindi

$61 12.2% 11.1% $7.6

Clothing & Footwear

Jammu

$57 16.2%

Rawalpindi

$80 16.1% 40.3% $23

Monthly Utilities & Internet

Jammu

$57 16.1%

Rawalpindi

$138 27.7% 144% $81

Accommodation & Living

Jammu

$53 15.1%

Rawalpindi

$83 16.6% 55.5% $30

Sport & Entertainment

Jammu

$19 5.4%

Rawalpindi

$21 4.2% 9.9% $1.9

Getting Around

Jammu

$7.1 2%

Rawalpindi

$13 2.7% 86.3% $6.1

Cost Breakdown

A central one-bedroom costs $93.5 in Jammu versus $198 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 180% 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 $16.00 in Rawalpindi. Monthly groceries follow the same trend: $91.0 vs $103 – making Jammu the more affordable choice for daily food spending.

Good to know

🇮🇳 Jammu

🇵🇰 Rawalpindi

🕒 Local time

16:19 4:19 PM

15:49 3:49 PM

30 min behind Jammu

🌤 Weather

👥 Population

502,197

2,098,231

💱 Currency

Indian Rupee INR ₹

Pakistani Rupee PKR ₨

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 20, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to INR in detail →

On the map

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Jammu Rawalpindi 190 km

From you

Jammu
Rawalpindi

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

Jammu vs Rawalpindi: Cost of Living - Frequently Asked Questions

Yes – Rawalpindi is pricier by about 42%, and outside of rent the gap shows up most in clothing.

For a comfortable life, plan on about $530 per month in Jammu and $750 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 $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 $353 in Jammu and $500 in Rawalpindi. That's a gap of about 42%.

$1,000 covers both cities comfortably – all-in costs are $353 in Jammu and $500 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.