Last update: Oct 2026

Cost of Living Comparison Between Karachi and Cemagi, Bali

For one person, living is cheaper in Karachi: $490 a month against $1,136 in Cemagi, Bali, rent and utilities included – about $7,800 less a year. Rent and utilities account for most of the difference.

23

Cost of Living Index in Karachi
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Karachi Living Index
56

Cost of Living Index in Cemagi, Bali
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Cemagi, Bali Living Index

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Karachi

🇵🇰 Pakistan

$490

/mo nomad

Cemagi, Bali

🇮🇩 Indonesia

$1,136

/mo nomad

Monthly Cost of Living

How much you'll spend in Karachi and in Cemagi, Bali

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

Monthly costs for one person with rent: $490 in Karachi versus $1,136 in Cemagi, Bali.

Karachi $490
Cemagi, Bali $1,136

Estimated couple costs with rent: $755 in Karachi versus $1,946 in Cemagi, Bali.

Karachi $755
Cemagi, Bali $1,946

Monthly costs for a family of three with rent: $1,019 in Karachi versus $2,756 in Cemagi, Bali.

Karachi $1,019
Cemagi, Bali $2,756

Living in Karachi costs roughly 57% less than in Cemagi, Bali, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Karachi 63% lower, Cemagi, Bali 15% lower.

Meal at Budget Restaurant

$2.15 PKR 596

$2.72 Rp 48.5K

-20.96%

Three-Course Dinner for Two, Mid-Range

$13.37 PKR 3,700

$29.86 Rp 533.8K

-55.22%

Fast Food Meal (McDonalds, etc)

$5.29 PKR 1,464

$4.63 Rp 82.8K

14.25%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.19 PKR 606

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.25 PKR 2,005

Cappuccino

$2.11 PKR 583

$2.22 Rp 39.7K

-4.95%

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

$0.37 PKR 103

$1.37 Rp 24.5K

-72.99%

Water (0.33 liter bottle)

$0.28 PKR 78.2

$0.66 Rp 11.7K

-57.58%

Local Beer (0.5 liter draught)

$2.27 Rp 40.6K

Imported Beer (0.33 liter bottle)

$3.76 Rp 67.3K

Milk (1 liter)

$0.86 PKR 238

$1.50 Rp 26.8K

-42.67%

White Bread (500g)

$0.52 PKR 144

$2.12 Rp 37.9K

-75.47%

Rice (white) (1kg)

$1.24 PKR 344

$1.11 Rp 19.8K

11.71%

Eggs

$1.24 PKR 342

$2.05 Rp 36.6K

-39.51%

Local Cheese (1kg)

$5.86 PKR 1,622

$16.80 Rp 300.3K

-65.12%

Chicken Fillets (1kg)

$3.12 PKR 862

$3.69 Rp 66.0K

-15.45%

Beef Round Steak (1kg)

$6.25 PKR 1,731

$11.44 Rp 204.4K

-45.37%

Apples (1kg)

$1.29 PKR 356

$3.38 Rp 60.4K

-61.83%

Banana (1kg)

$0.54 PKR 150

$1.52 Rp 27.2K

-64.47%

Oranges (1kg)

$0.99 PKR 273

$2.25 Rp 40.2K

-56.00%

Tomato (1kg)

$0.56 PKR 155

$1.83 Rp 32.6K

-69.40%

Potato (1kg)

$0.33 PKR 91.6

$1.73 Rp 30.9K

-80.92%

Onion (1kg)

$0.35 PKR 95.9

$2.31 Rp 41.4K

-84.85%

Lettuce (1 head)

$0.45 PKR 124

$0.95 Rp 17.0K

-52.63%

Water (1.5 liter bottle)

$0.44 PKR 121

$0.47 Rp 8,485

-6.38%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.23 PKR 341

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.37 PKR 381

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.44 PKR 676

Cigarettes 20 Pack (Marlboro, Camel)

$1.79 PKR 497

$2.15 Rp 38.5K

-16.74%

Wine (Bottle)

$21.48 Rp 384.0K

Local Beer (0.5 liter bottle)

$2.17 Rp 38.7K

Imported Beer (0.33 liter bottle)

$2.89 Rp 51.7K

One-way Ticket (Public Transport)

$0.28 PKR 76.5

$0.29 Rp 5,240

-3.45%

Public Transport Monthly Pass (Regular Price)

$9.68 PKR 2,679

$8.93 Rp 159.6K

8.40%

Taxi Start (Normal Tariff)

$0.92 PKR 255

$0.52 Rp 9,358

76.92%

Taxi (Normal Tariff) (1km)

$0.71 PKR 196

$0.47 Rp 8,362

51.06%

Taxi 1hour Waiting (Normal Tariff)

$2.22 PKR 615

$2.56 Rp 45.8K

-13.28%

Gasoline (1 liter)

$1.35 PKR 372

$0.92 Rp 16.4K

46.74%

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

$17.8K PKR 4.9M

$26.6K Rp 475.0M

-32.86%

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

$26.7K PKR 7.4M

$33.8K Rp 603.3M

-20.77%

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

$112 PKR 30.9K

$81.2 Rp 1.5M

37.62%

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

$6.05 PKR 1,673

$6.30 Rp 112.7K

-3.97%

Internet (50+ Mbps, Unlimited Data)

$13.29 PKR 3,679

$18.85 Rp 337.0K

-29.50%

Gym Membership (Monthly)

$21.51 PKR 5,954

$50.1 Rp 896.1K

-57.09%

Tennis Court (1 Hour on Weekend)

$17.80 PKR 4,927

$16.46 Rp 294.2K

8.14%

Cinema Ticket

$4.42 PKR 1,222

$4.01 Rp 71.7K

10.22%

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

$50.7 PKR 14.0K

$472 Rp 8.4M

-89.24%

International Primary School, 1 Child (Yearly)

$1,957 PKR 541.6K

$5,550 Rp 99.2M

-64.74%

Jeans (Levis 501 Or Similar)

$17.57 PKR 4,862

$44.23 Rp 790.6K

-60.28%

Summer Dress (H&M, Zara, etc)

$22.78 PKR 6,304

$33.13 Rp 592.2K

-31.24%

Sport Shoes (Adidas, Nike)

$67.6 PKR 18.7K

$76.7 Rp 1.4M

-11.95%

Men's Leather Business Shoes

$40.97 PKR 11.3K

$76.3 Rp 1.4M

-46.31%

1-bedroom Apartment, City Center (Monthly)

$117 PKR 32.5K

$839 Rp 15.0M

-86.03%

1-bedroom Apartment, Outside City Center (Monthly)

$75.7 PKR 21.0K

$502 Rp 9.0M

-84.91%

3-bedroom Apartment, City Center (Monthly)

$365 PKR 101.1K

$2,655 Rp 47.5M

-86.24%

3-bedroom Apartment, Outside City Center (Monthly)

$182 PKR 50.5K

$1,287 Rp 23.0M

-85.83%

Buy Apartment in City Center (m2)

$1,054 PKR 291.6K

$2,018 Rp 36.1M

-47.78%

Buy Apartment Outside City Center (m2)

$491 PKR 135.8K

$1,714 Rp 30.6M

-71.38%

Average Monthly Net Salary (After Tax)

$185 PKR 51.2K

20-Year Fixed Mortgage Interest Rate (Annual %)

13.21

13.78

-4.14%

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

Last update for Karachi: October 4, 2026

Last update for Cemagi, Bali: October 3, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karachi

$131 27.3%

Cemagi, Bali

$106 9.3% 18.9% $25

Groceries & Markets

Karachi

$101 20.9%

Cemagi, Bali

$275 24% 173% $174

Accommodation & Living

Karachi

$76 15.7%

Cemagi, Bali

$502 43.7% 563% $426

Clothing & Footwear

Karachi

$67 13.9%

Cemagi, Bali

$104 9% 54.7% $37

Eating Out

Karachi

$61 12.7%

Cemagi, Bali

$89 7.8% 46.3% $28

Sport & Entertainment

Karachi

$30 6.3%

Cemagi, Bali

$58 5.1% 91.6% $28

Getting Around

Karachi

$15 3.2%

Cemagi, Bali

$13 1.1% 15% $2.3

Cost Breakdown

A one-bedroom apartment in the center runs $117 in Karachi and $839 in Cemagi, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $13.00 in Karachi vs $30.00 in Cemagi, Bali for a mid-range dinner for two. Groceries echo the gap at $101 vs $275 per month, with Karachi cheaper across the board.

Good to know

🇵🇰 Karachi

🇮🇩 Cemagi, Bali

🕒 Local time

13:32 1:32 PM

16:32 4:32 PM

3 h ahead of Karachi

🌤 Weather

👥 Population

14,910,352

4,824

💱 Currency

Pakistani Rupee PKR ₨

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.22 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of October 10, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 310 PKR (1,000 PKR = 3.22 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Karachi Cemagi, Bali 6,400 km ≈ 9 h nonstop flight

From you

Karachi
Cemagi, Bali

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

Karachi vs Cemagi, Bali: Cost of Living - Frequently Asked Questions

Karachi and Cemagi, Bali differ by about 132% in total monthly costs ($490 vs $1,136 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $735 in Karachi and $1,704 in Cemagi, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $117 in Karachi versus $839 in Cemagi, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $50.7 in Karachi versus $472 in Cemagi, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 173% higher in Cemagi, Bali. For households that cook at home regularly, that difference adds up over a month.

At $490 in Karachi versus $1,136 in Cemagi, Bali, a $2,000 budget is realistic in Karachi but tight or insufficient in Cemagi, Bali. The gap between the two cities makes Karachi the clear choice for anyone on this budget.

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, Karachi and Cemagi, Bali 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 132% less than in Cemagi, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.