Last update: Oct 2026

Cost of Living Comparison Between Karachi and San Fernando

For one person, living is cheaper in Karachi: $482 a month against $703 in San Fernando, rent and utilities included – about $2,700 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
34

Cost of Living Index in San Fernando
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San Fernando Living Index

Jump to prices

Karachi

🇵🇰 Pakistan

$482

/mo nomad

San Fernando

🇵🇭 Philippines

$703

/mo nomad

Monthly Cost of Living

How much you'll spend in Karachi and in San Fernando

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 San Fernando actually costs, broken down by who's living it.

Monthly costs for one person with rent: $482 in Karachi versus $703 in San Fernando.

Karachi $482
San Fernando $703

Estimated couple costs with rent: $750 in Karachi versus $1,059 in San Fernando.

Karachi $750
San Fernando $1,059

Monthly costs for a family of three with rent: $1,018 in Karachi versus $1,415 in San Fernando.

Karachi $1,018
San Fernando $1,415

Living in Karachi costs roughly 31% less than in San Fernando, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Karachi 64% lower, San Fernando 48% lower.

Meal at Budget Restaurant

$2.13 PKR 588

$4.01 ₱252

-46.88%

Three-Course Dinner for Two, Mid-Range

$13.30 PKR 3,680

$16.71 ₱1,052

-20.41%

Fast Food Meal (McDonalds, etc)

$5.45 PKR 1,508

$2.88 ₱181

89.24%

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

$1.77 ₱112

18.08%

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

$0.40 PKR 111

$0.38 ₱23.97

5.26%

Water (0.33 liter bottle)

$0.26 PKR 71.1

$0.31 ₱19.32

-16.13%

Local Beer (0.5 liter draught)

$0.97 ₱61.2

Imported Beer (0.33 liter bottle)

$1.25 ₱78.5

Milk (1 liter)

$0.92 PKR 254

$1.70 ₱107

-45.88%

White Bread (500g)

$0.56 PKR 156

$1.11 ₱70.1

-49.55%

Rice (white) (1kg)

$1.25 PKR 345

$0.99 ₱62.2

26.26%

Eggs

$1.23 PKR 341

$2.00 ₱126

-38.50%

Local Cheese (1kg)

$5.67 PKR 1,570

$4.95 ₱311

14.55%

Chicken Fillets (1kg)

$3.16 PKR 876

$3.37 ₱212

-6.23%

Beef Round Steak (1kg)

$6.28 PKR 1,737

$7.79 ₱490

-19.38%

Apples (1kg)

$1.26 PKR 348

$2.19 ₱138

-42.47%

Banana (1kg)

$0.53 PKR 148

$1.26 ₱79.2

-57.94%

Oranges (1kg)

$1.00 PKR 276

$2.32 ₱146

-56.90%

Tomato (1kg)

$0.56 PKR 154

$1.07 ₱67.1

-47.66%

Potato (1kg)

$0.33 PKR 91.4

$1.69 ₱106

-80.47%

Onion (1kg)

$0.34 PKR 95.1

$1.57 ₱99.0

-78.34%

Lettuce (1 head)

$0.42 PKR 116

$0.62 ₱39.14

-32.26%

Water (1.5 liter bottle)

$0.44 PKR 121

$0.53 ₱33.09

-16.98%

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

$2.97 ₱187

-38.05%

Wine (Bottle)

$8.92 ₱561

Local Beer (0.5 liter bottle)

$0.97 ₱60.8

Imported Beer (0.33 liter bottle)

$1.30 ₱81.7

One-way Ticket (Public Transport)

$0.28 PKR 77.0

$0.26 ₱16.12

7.69%

Public Transport Monthly Pass (Regular Price)

$9.99 PKR 2,764

$11.02 ₱694

-9.35%

Taxi Start (Normal Tariff)

$0.92 PKR 256

$0.67 ₱41.89

37.31%

Taxi (Normal Tariff) (1km)

$0.70 PKR 193

$0.23 ₱14.36

204.35%

Taxi 1hour Waiting (Normal Tariff)

$2.16 PKR 597

$0.94 ₱59.3

129.79%

Gasoline (1 liter)

$1.38 PKR 382

$1.01 ₱63.8

36.63%

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

$17.9K PKR 5.0M

$21.3K ₱1.3M

-15.92%

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

$27.1K PKR 7.5M

$19.0K ₱1.2M

42.87%

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

$113 PKR 31.4K

$141 ₱8,907

-19.81%

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

$5.95 PKR 1,648

$17.77 ₱1,119

-66.52%

Internet (50+ Mbps, Unlimited Data)

$13.16 PKR 3,642

$23.40 ₱1,473

-43.76%

Gym Membership (Monthly)

$21.55 PKR 5,965

$32.05 ₱2,018

-32.76%

Tennis Court (1 Hour on Weekend)

$18.23 PKR 5,044

$4.68 ₱295

289.53%

Cinema Ticket

$4.21 PKR 1,165

$4.82 ₱303

-12.66%

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

$52.2 PKR 14.4K

$80.0 ₱5,033

-34.77%

International Primary School, 1 Child (Yearly)

$1,940 PKR 537.0K

$1,118 ₱70.4K

73.48%

Jeans (Levis 501 Or Similar)

$17.55 PKR 4,858

$19.46 ₱1,225

-9.82%

Summer Dress (H&M, Zara, etc)

$23.51 PKR 6,506

$16.21 ₱1,021

45.03%

Sport Shoes (Adidas, Nike)

$68.9 PKR 19.1K

$32.14 ₱2,023

114.28%

Men's Leather Business Shoes

$40.59 PKR 11.2K

$48.08 ₱3,027

-15.58%

1-bedroom Apartment, City Center (Monthly)

$118 PKR 32.7K

$262 ₱16.5K

-54.98%

1-bedroom Apartment, Outside City Center (Monthly)

$73.6 PKR 20.4K

$170 ₱10.7K

-56.74%

3-bedroom Apartment, City Center (Monthly)

$357 PKR 98.9K

$523 ₱32.9K

-31.61%

3-bedroom Apartment, Outside City Center (Monthly)

$188 PKR 52.0K

$356 ₱22.4K

-47.25%

Buy Apartment in City Center (m2)

$1,060 PKR 293.4K

$2,438 ₱153.5K

-56.52%

Buy Apartment Outside City Center (m2)

$481 PKR 133.1K

$994 ₱62.6K

-51.62%

Average Monthly Net Salary (After Tax)

$183 PKR 50.6K

$339 ₱21.3K

-46.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.21

120.17%

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

Last update for Karachi: October 11, 2026

Last update for San Fernando: October 13, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karachi

$133 27.5%

San Fernando

$183 26% 37.8% $50

Groceries & Markets

Karachi

$101 21%

San Fernando

$170 24.3% 68.4% $69

Accommodation & Living

Karachi

$74 15.3%

San Fernando

$170 24.2% 131% $97

Clothing & Footwear

Karachi

$68 14.1%

San Fernando

$52 7.4% 23% $16

Eating Out

Karachi

$61 12.7%

San Fernando

$72 10.3% 18% $11

Sport & Entertainment

Karachi

$30 6.2%

San Fernando

$42 5.9% 39.1% $12

Getting Around

Karachi

$16 3.2%

San Fernando

$14 2% 10.8% $1.7

Cost Breakdown

A one-bedroom apartment in the center runs $118 in Karachi and $262 in San Fernando. Housing cost is often the main lever when comparing two cities.

San Fernando pays 85% 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 $17.00 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $101 vs $170 per month, with Karachi cheaper across the board.

Good to know

🇵🇰 Karachi

🇵🇭 San Fernando

🕒 Local time

16:32 4:32 PM

19:32 7:32 PM

3 h ahead of Karachi

🌤 Weather

👥 Population

14,910,352

354,666

💱 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 18, 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 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Karachi San Fernando 5,680 km ≈ 8 h nonstop flight

From you

Karachi
San Fernando

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 San Fernando: Cost of Living - Frequently Asked Questions

Karachi and San Fernando differ by about 46% in total monthly costs ($482 vs $703 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 85% lower in San Fernando. 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: $118 in Karachi versus $262 in San Fernando. 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 $703 in San Fernando – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Karachi runs roughly 10% less than in San Fernando. 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 46% less than in San Fernando. Beyond cost, consider language, visa policies, and how big the international community is in each city.