Last update: Oct 2026

Cost of Living Comparison Between Karachi and Koh Phangan

For one person, living is cheaper in Karachi: $490 a month against $1,018 in Koh Phangan, rent and utilities included – about $6,300 less a year. Rent and utilities account for about half of the difference.

23

Cost of Living Index in Karachi
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Karachi Living Index
49

Cost of Living Index in Koh Phangan
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Koh Phangan Living Index

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Karachi

🇵🇰 Pakistan

$490

/mo nomad

Koh Phangan

🇹🇭 Thailand

$1,018

/mo nomad

Monthly Cost of Living

How much you'll spend in Karachi and in Koh Phangan

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 Koh Phangan actually costs, broken down by who's living it.

Monthly costs for one person with rent: $490 in Karachi versus $1,018 in Koh Phangan.

Karachi $490
Koh Phangan $1,018

Estimated couple costs with rent: $755 in Karachi versus $1,673 in Koh Phangan.

Karachi $755
Koh Phangan $1,673

Monthly costs for a family of three with rent: $1,019 in Karachi versus $2,328 in Koh Phangan.

Karachi $1,019
Koh Phangan $2,328

Living in Karachi costs roughly 52% less than in Koh Phangan, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Karachi 63% lower, Koh Phangan 24% lower.

Meal at Budget Restaurant

$2.15 PKR 596

$4.05 ฿136

-46.91%

Three-Course Dinner for Two, Mid-Range

$13.37 PKR 3,700

$29.43 ฿989

-54.57%

Fast Food Meal (McDonalds, etc)

$5.29 PKR 1,464

$7.59 ฿255

-30.30%

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

$2.50 ฿84.2

-15.60%

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

$0.37 PKR 103

$0.81 ฿27.09

-54.32%

Water (0.33 liter bottle)

$0.28 PKR 78.2

$0.45 ฿15.01

-37.78%

Local Beer (0.5 liter draught)

$2.30 ฿77.4

Imported Beer (0.33 liter bottle)

$3.41 ฿114

Milk (1 liter)

$0.86 PKR 238

$1.59 ฿53.5

-45.91%

White Bread (500g)

$0.52 PKR 144

$1.36 ฿45.86

-61.76%

Rice (white) (1kg)

$1.24 PKR 344

$1.50 ฿50.5

-17.33%

Eggs

$1.24 PKR 342

$2.05 ฿68.9

-39.51%

Local Cheese (1kg)

$5.86 PKR 1,622

$18.36 ฿617

-68.08%

Chicken Fillets (1kg)

$3.12 PKR 862

$3.17 ฿107

-1.58%

Beef Round Steak (1kg)

$6.25 PKR 1,730

$10.61 ฿357

-41.09%

Apples (1kg)

$1.29 PKR 356

$2.79 ฿93.9

-53.76%

Banana (1kg)

$0.54 PKR 150

$1.54 ฿51.7

-64.94%

Oranges (1kg)

$0.99 PKR 273

$2.10 ฿70.5

-52.86%

Tomato (1kg)

$0.56 PKR 155

$1.95 ฿65.7

-71.28%

Potato (1kg)

$0.33 PKR 91.6

$1.44 ฿48.39

-77.08%

Onion (1kg)

$0.35 PKR 95.8

$1.25 ฿41.97

-72.00%

Lettuce (1 head)

$0.45 PKR 124

$1.02 ฿34.39

-55.88%

Water (1.5 liter bottle)

$0.44 PKR 121

$0.48 ฿16.09

-8.33%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.23 PKR 341

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.37 PKR 380

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.44 PKR 676

Cigarettes 20 Pack (Marlboro, Camel)

$1.79 PKR 497

$4.15 ฿139

-56.87%

Wine (Bottle)

$17.24 ฿580

Local Beer (0.5 liter bottle)

$1.69 ฿56.7

Imported Beer (0.33 liter bottle)

$2.63 ฿88.6

One-way Ticket (Public Transport)

$0.28 PKR 76.5

$2.00 ฿67.2

-86.00%

Public Transport Monthly Pass (Regular Price)

$9.68 PKR 2,679

Taxi Start (Normal Tariff)

$0.92 PKR 255

$2.60 ฿87.4

-64.62%

Taxi (Normal Tariff) (1km)

$0.71 PKR 196

$0.93 ฿31.19

-23.66%

Taxi 1hour Waiting (Normal Tariff)

$2.22 PKR 615

$3.37 ฿113

-34.12%

Gasoline (1 liter)

$1.35 PKR 372

$1.29 ฿43.20

4.65%

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

$17.8K PKR 4.9M

$24.1K ฿809.2K

-25.88%

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

$26.7K PKR 7.4M

$24.1K ฿810.2K

10.96%

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

$112 PKR 30.9K

$98.9 ฿3,324

13.08%

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

$6.05 PKR 1,673

$11.05 ฿371

-45.25%

Internet (50+ Mbps, Unlimited Data)

$13.29 PKR 3,679

$16.87 ฿567

-21.22%

Gym Membership (Monthly)

$21.51 PKR 5,954

$53.1 ฿1,784

-59.47%

Tennis Court (1 Hour on Weekend)

$17.80 PKR 4,927

$10.77 ฿362

65.27%

Cinema Ticket

$4.42 PKR 1,222

$7.53 ฿253

-41.30%

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

$50.7 PKR 14.0K

$557 ฿18.7K

-90.90%

International Primary School, 1 Child (Yearly)

$1,957 PKR 541.6K

$11.7K ฿392.3K

-83.23%

Jeans (Levis 501 Or Similar)

$17.57 PKR 4,862

$64.0 ฿2,151

-72.54%

Summer Dress (H&M, Zara, etc)

$22.78 PKR 6,304

$28.52 ฿959

-20.13%

Sport Shoes (Adidas, Nike)

$67.6 PKR 18.7K

$95.9 ฿3,223

-29.51%

Men's Leather Business Shoes

$40.97 PKR 11.3K

$86.9 ฿2,922

-52.86%

1-bedroom Apartment, City Center (Monthly)

$117 PKR 32.4K

$513 ฿17.2K

-77.13%

1-bedroom Apartment, Outside City Center (Monthly)

$75.7 PKR 21.0K

$321 ฿10.8K

-76.44%

3-bedroom Apartment, City Center (Monthly)

$365 PKR 101.1K

$1,442 ฿48.5K

-74.67%

3-bedroom Apartment, Outside City Center (Monthly)

$182 PKR 50.5K

$843 ฿28.4K

-78.37%

Buy Apartment in City Center (m2)

$1,054 PKR 291.6K

$2,420 ฿81.4K

-56.46%

Buy Apartment Outside City Center (m2)

$491 PKR 135.8K

$1,779 ฿59.8K

-72.42%

Average Monthly Net Salary (After Tax)

$185 PKR 51.2K

$709 ฿23.8K

-73.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.21

5.57

137.16%

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

Last update for Karachi: October 4, 2026

Last update for Koh Phangan: October 5, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karachi

$131 27.3%

Koh Phangan

$127 12.5% 3.3% $4.3

Groceries & Markets

Karachi

$101 20.9%

Koh Phangan

$253 24.9% 151% $152

Accommodation & Living

Karachi

$76 15.7%

Koh Phangan

$321 31.6% 325% $246

Clothing & Footwear

Karachi

$67 13.9%

Koh Phangan

$124 12.2% 84.9% $57

Eating Out

Karachi

$61 12.7%

Koh Phangan

$109 10.7% 78% $48

Sport & Entertainment

Karachi

$30 6.3%

Koh Phangan

$68 6.7% 124% $38

Getting Around

Karachi

$15 3.2%

Koh Phangan

$15 * 1.5% 0.1% $0

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $117 in Karachi and $513 in Koh Phangan. Housing cost is often the main lever when comparing two cities.

Koh Phangan pays 283% 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 Karachi vs $29.00 in Koh Phangan for a mid-range dinner for two. Groceries echo the gap at $101 vs $253 per month, with Karachi cheaper across the board.

Good to know

🇵🇰 Karachi

🇹🇭 Koh Phangan

🕒 Local time

07:54 7:54 AM

09:54 9:54 AM

2 h ahead of Karachi

🌤 Weather

👥 Population

14,910,352

💱 Currency

Pakistani Rupee PKR ₨

Thai Baht THB ฿

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.22 EUR

100 THB = 2.97 USD

100 THB = 2.65 EUR

Exchange rates and currency converter

THB, 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).

Thai Baht exchange rates as of October 10, 2026: 1 USD = 33.62 THB (100 THB = 2.97 USD). 1 EUR = 37.71 THB (100 THB = 2.65 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Karachi Koh Phangan 3,870 km ≈ 5 h nonstop flight

From you

Karachi
Koh Phangan

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 Koh Phangan: Cost of Living - Frequently Asked Questions

Karachi and Koh Phangan differ by about 108% in total monthly costs ($490 vs $1,018 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 283% lower in Koh Phangan. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $117 in Karachi versus $513 in Koh Phangan. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 151% higher in Koh Phangan. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $490 per month in Karachi versus $1,018 in Koh Phangan – a 108% gap that adds up to real savings over time for anyone picking the cheaper option.

At $490 in Karachi versus $1,018 in Koh Phangan, a $2,000 budget is realistic in Karachi but tight or insufficient in Koh Phangan. 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 Koh Phangan 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 108% less than in Koh Phangan. Beyond cost, consider language, visa policies, and how big the international community is in each city.