Last update: Oct 2026

Cost of Living Comparison Between Karachi and Laoag City

For one person, living is cheaper in Karachi: $482 a month against $743 in Laoag City, rent and utilities included – about $3,100 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
36

Cost of Living Index in Laoag City
Learn more

Laoag City Living Index

Jump to prices

Karachi

🇵🇰 Pakistan

$482

/mo nomad

Laoag City

🇵🇭 Philippines

$743

/mo nomad

Monthly Cost of Living

How much you'll spend in Karachi and in Laoag City

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 Laoag City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $482 in Karachi versus $743 in Laoag City.

Karachi $482
Laoag City $743

Estimated couple costs with rent: $750 in Karachi versus $1,112 in Laoag City.

Karachi $750
Laoag City $1,112

Monthly costs for a family of three with rent: $1,018 in Karachi versus $1,480 in Laoag City.

Karachi $1,018
Laoag City $1,480

Living in Karachi costs roughly 35% less than in Laoag City, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Karachi 64% lower, Laoag City 45% lower.

Meal at Budget Restaurant

$2.13 PKR 588

$3.41 ₱215

-37.54%

Three-Course Dinner for Two, Mid-Range

$13.30 PKR 3,680

$16.52 ₱1,040

-19.49%

Fast Food Meal (McDonalds, etc)

$5.45 PKR 1,508

$2.94 ₱185

85.37%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.19 PKR 607

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.24 PKR 2,005

Cappuccino

$2.09 PKR 579

$2.54 ₱160

-17.72%

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

$0.40 PKR 111

$0.67 ₱42.11

-40.30%

Water (0.33 liter bottle)

$0.26 PKR 71.1

$0.33 ₱20.52

-21.21%

Local Beer (0.5 liter draught)

$1.00 ₱63.3

Imported Beer (0.33 liter bottle)

$1.85 ₱117

Milk (1 liter)

$0.92 PKR 254

$1.63 ₱102

-43.56%

White Bread (500g)

$0.56 PKR 156

$1.17 ₱73.8

-52.14%

Rice (white) (1kg)

$1.25 PKR 345

$0.92 ₱58.1

35.87%

Eggs

$1.23 PKR 341

$1.95 ₱123

-36.92%

Local Cheese (1kg)

$5.67 PKR 1,570

$5.25 ₱331

8.00%

Chicken Fillets (1kg)

$3.16 PKR 876

$4.30 ₱271

-26.51%

Beef Round Steak (1kg)

$6.28 PKR 1,737

$7.24 ₱456

-13.26%

Apples (1kg)

$1.26 PKR 348

$2.42 ₱152

-47.93%

Banana (1kg)

$0.53 PKR 148

$1.63 ₱103

-67.48%

Oranges (1kg)

$1.00 PKR 276

$2.44 ₱154

-59.02%

Tomato (1kg)

$0.56 PKR 154

$1.19 ₱74.6

-52.94%

Potato (1kg)

$0.33 PKR 91.4

$1.94 ₱122

-82.99%

Onion (1kg)

$0.34 PKR 95.1

$1.88 ₱119

-81.91%

Lettuce (1 head)

$0.42 PKR 116

$1.01 ₱63.3

-58.42%

Water (1.5 liter bottle)

$0.44 PKR 121

$0.54 ₱33.73

-18.52%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.25 PKR 346

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.32 PKR 365

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.42 PKR 670

Cigarettes 20 Pack (Marlboro, Camel)

$1.84 PKR 509

$2.89 ₱182

-36.33%

Wine (Bottle)

$7.37 ₱464

Local Beer (0.5 liter bottle)

$0.94 ₱59.5

Imported Beer (0.33 liter bottle)

$1.94 ₱122

One-way Ticket (Public Transport)

$0.28 PKR 77.0

$0.26 ₱16.39

7.69%

Public Transport Monthly Pass (Regular Price)

$9.99 PKR 2,764

$11.99 ₱755

-16.68%

Taxi Start (Normal Tariff)

$0.92 PKR 256

$0.73 ₱45.76

26.03%

Taxi (Normal Tariff) (1km)

$0.70 PKR 193

$0.24 ₱15.14

191.67%

Taxi 1hour Waiting (Normal Tariff)

$2.16 PKR 597

$2.19 ₱138

-1.37%

Gasoline (1 liter)

$1.38 PKR 382

$1.03 ₱64.6

33.98%

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

$17.9K PKR 5.0M

$21.6K ₱1.4M

-17.30%

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

$27.1K PKR 7.5M

$19.0K ₱1.2M

42.33%

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

$113 PKR 31.4K

$136 ₱8,542

-16.38%

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

$5.95 PKR 1,648

$14.48 ₱912

-58.91%

Internet (50+ Mbps, Unlimited Data)

$13.16 PKR 3,642

$24.79 ₱1,561

-46.91%

Gym Membership (Monthly)

$21.55 PKR 5,965

$32.51 ₱2,047

-33.71%

Tennis Court (1 Hour on Weekend)

$18.23 PKR 5,044

$5.10 ₱321

257.45%

Cinema Ticket

$4.21 PKR 1,165

$5.03 ₱316

-16.30%

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

$52.2 PKR 14.4K

$133 ₱8,385

-60.84%

International Primary School, 1 Child (Yearly)

$1,940 PKR 537.0K

$8,190 ₱515.6K

-76.31%

Jeans (Levis 501 Or Similar)

$17.55 PKR 4,858

$33.49 ₱2,108

-47.60%

Summer Dress (H&M, Zara, etc)

$23.51 PKR 6,506

$19.72 ₱1,242

19.22%

Sport Shoes (Adidas, Nike)

$68.9 PKR 19.1K

$71.2 ₱4,481

-3.25%

Men's Leather Business Shoes

$40.59 PKR 11.2K

$55.3 ₱3,483

-26.64%

1-bedroom Apartment, City Center (Monthly)

$118 PKR 32.7K

$270 ₱17.0K

-56.22%

1-bedroom Apartment, Outside City Center (Monthly)

$73.6 PKR 20.4K

$171 ₱10.8K

-57.04%

3-bedroom Apartment, City Center (Monthly)

$357 PKR 98.9K

$513 ₱32.3K

-30.30%

3-bedroom Apartment, Outside City Center (Monthly)

$188 PKR 52.0K

$330 ₱20.7K

-42.97%

Buy Apartment in City Center (m2)

$1,060 PKR 293.4K

$2,434 ₱153.3K

-56.45%

Buy Apartment Outside City Center (m2)

$481 PKR 133.1K

$1,087 ₱68.4K

-55.76%

Average Monthly Net Salary (After Tax)

$183 PKR 50.6K

$162 ₱10.2K

13.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.21

6.79

94.55%

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

Last update for Karachi: October 11, 2026

Last update for Laoag City: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karachi

$133 27.5%

Laoag City

$175 23.5% 32% $42

Groceries & Markets

Karachi

$101 21%

Laoag City

$179 24.2% 77.2% $78

Accommodation & Living

Karachi

$74 15.3%

Laoag City

$171 23% 133% $98

Clothing & Footwear

Karachi

$68 14.1%

Laoag City

$81 10.9% 19.4% $13

Eating Out

Karachi

$61 12.7%

Laoag City

$79 10.7% 29.8% $18

Sport & Entertainment

Karachi

$30 6.2%

Laoag City

$43 5.7% 42% $13

Getting Around

Karachi

$16 3.2%

Laoag City

$15 2% 3.5% $0.5

Cost Breakdown

A one-bedroom apartment in the center runs $118 in Karachi and $270 in Laoag City. Housing cost is often the main lever when comparing two cities.

Karachi pays 13% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $13.00 in Karachi vs $17.00 in Laoag City for a mid-range dinner for two. Groceries echo the gap at $101 vs $179 per month, with Karachi cheaper across the board.

Good to know

🇵🇰 Karachi

🇵🇭 Laoag City

🕒 Local time

01:13 1:13 AM

04:13 4:13 AM

3 h ahead of Karachi

🌤 Weather

👥 Population

14,910,352

112,117

💱 Currency

Pakistani Rupee PKR ₨

Philippine Peso PHP ₱

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of October 17, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Karachi Laoag City 5,560 km ≈ 7 h nonstop flight

From you

Karachi
Laoag City

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 Laoag City: Cost of Living - Frequently Asked Questions

Karachi and Laoag City differ by about 54% in total monthly costs ($482 vs $743 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 13% higher in Karachi, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $118 in Karachi versus $270 in Laoag City. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $482 per month in Karachi versus $743 in Laoag City – a 54% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Karachi runs roughly 20% less than in Laoag City. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Karachi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.

Expats usually find Karachi gentler on the wallet – expenses run 54% less than in Laoag City. Beyond cost, consider language, visa policies, and how big the international community is in each city.