Last update: Oct 2026

Cost of Living Comparison Between Karachi and Semarang

For one person, living is cheaper in Karachi: $482 a month against $599 in Semarang, rent and utilities included – about $1,400 less a year. Other living expenses account for most of the difference.

23

Cost of Living Index in Karachi
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Karachi Living Index
29

Cost of Living Index in Semarang
Learn more

Semarang Living Index

Jump to prices

Karachi

🇵🇰 Pakistan

$482

/mo nomad

Semarang

🇮🇩 Indonesia

$599

/mo nomad

Monthly Cost of Living

How much you'll spend in Karachi and in Semarang

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

Monthly costs for one person with rent: $482 in Karachi versus $599 in Semarang.

Karachi $482
Semarang $599

Estimated couple costs with rent: $750 in Karachi versus $945 in Semarang.

Karachi $750
Semarang $945

Monthly costs for a family of three with rent: $1,018 in Karachi versus $1,292 in Semarang.

Karachi $1,018
Semarang $1,292

Living in Karachi costs roughly 20% less than in Semarang, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Karachi 64% lower, Semarang 56% lower.

Meal at Budget Restaurant

$2.13 PKR 588

$1.39 Rp 25.0K

53.24%

Three-Course Dinner for Two, Mid-Range

$13.30 PKR 3,680

$10.63 Rp 191.3K

25.12%

Fast Food Meal (McDonalds, etc)

$5.45 PKR 1,508

$3.07 Rp 55.3K

77.52%

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

$1.28 Rp 23.1K

63.28%

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

$0.40 PKR 111

$0.48 Rp 8,633

-16.67%

Water (0.33 liter bottle)

$0.26 PKR 71.1

$0.20 Rp 3,641

30.00%

Local Beer (0.5 liter draught)

$1.62 Rp 29.2K

Imported Beer (0.33 liter bottle)

$3.39 Rp 61.1K

Milk (1 liter)

$0.92 PKR 254

$1.07 Rp 19.3K

-14.02%

White Bread (500g)

$0.56 PKR 156

$0.89 Rp 16.1K

-37.08%

Rice (white) (1kg)

$1.25 PKR 345

$0.78 Rp 14.0K

60.26%

Eggs

$1.23 PKR 341

$1.24 Rp 22.3K

-0.81%

Local Cheese (1kg)

$5.67 PKR 1,570

$3.99 Rp 71.9K

42.11%

Chicken Fillets (1kg)

$3.16 PKR 876

$2.44 Rp 44.0K

29.51%

Beef Round Steak (1kg)

$6.28 PKR 1,737

$7.53 Rp 135.5K

-16.60%

Apples (1kg)

$1.26 PKR 348

$2.07 Rp 37.3K

-39.13%

Banana (1kg)

$0.53 PKR 148

$1.27 Rp 22.8K

-58.27%

Oranges (1kg)

$1.00 PKR 276

$1.84 Rp 33.2K

-45.65%

Tomato (1kg)

$0.56 PKR 154

$1.49 Rp 26.8K

-62.42%

Potato (1kg)

$0.33 PKR 91.4

$1.37 Rp 24.6K

-75.91%

Onion (1kg)

$0.34 PKR 95.1

$1.98 Rp 35.7K

-82.83%

Lettuce (1 head)

$0.42 PKR 116

$0.90 Rp 16.3K

-53.33%

Water (1.5 liter bottle)

$0.44 PKR 121

$0.42 Rp 7,529

4.76%

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

$1.96 Rp 35.3K

-6.12%

Wine (Bottle)

$24.63 Rp 443.3K

Local Beer (0.5 liter bottle)

$1.70 Rp 30.6K

Imported Beer (0.33 liter bottle)

$2.00 Rp 36.1K

One-way Ticket (Public Transport)

$0.28 PKR 77.0

$0.21 Rp 3,778

33.33%

Public Transport Monthly Pass (Regular Price)

$9.99 PKR 2,764

$14.21 Rp 255.8K

-29.70%

Taxi Start (Normal Tariff)

$0.92 PKR 256

$0.47 Rp 8,539

95.74%

Taxi (Normal Tariff) (1km)

$0.70 PKR 193

$0.27 Rp 4,808

159.26%

Taxi 1hour Waiting (Normal Tariff)

$2.16 PKR 597

$2.72 Rp 49.0K

-20.59%

Gasoline (1 liter)

$1.38 PKR 382

$0.82 Rp 14.8K

68.29%

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

$17.9K PKR 5.0M

$25.2K Rp 453.9M

-29.01%

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

$27.1K PKR 7.5M

$32.3K Rp 581.4M

-16.15%

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

$113 PKR 31.4K

$85.9 Rp 1.5M

32.06%

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

$5.95 PKR 1,648

$2.64 Rp 47.5K

125.38%

Internet (50+ Mbps, Unlimited Data)

$13.16 PKR 3,642

$19.37 Rp 348.6K

-32.06%

Gym Membership (Monthly)

$21.55 PKR 5,965

$20.70 Rp 372.6K

4.11%

Tennis Court (1 Hour on Weekend)

$18.23 PKR 5,044

$4.68 Rp 84.2K

289.53%

Cinema Ticket

$4.21 PKR 1,165

$2.19 Rp 39.4K

92.24%

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

$52.2 PKR 14.4K

$51.1 Rp 920.3K

1.99%

International Primary School, 1 Child (Yearly)

$1,940 PKR 537.0K

$2,063 Rp 37.1M

-5.95%

Jeans (Levis 501 Or Similar)

$17.55 PKR 4,858

$35.51 Rp 639.1K

-50.58%

Summer Dress (H&M, Zara, etc)

$23.51 PKR 6,506

$29.67 Rp 534.1K

-20.76%

Sport Shoes (Adidas, Nike)

$68.9 PKR 19.1K

$56.9 Rp 1.0M

21.06%

Men's Leather Business Shoes

$40.59 PKR 11.2K

$38.38 Rp 690.8K

5.76%

1-bedroom Apartment, City Center (Monthly)

$118 PKR 32.7K

$231 Rp 4.1M

-48.81%

1-bedroom Apartment, Outside City Center (Monthly)

$73.6 PKR 20.4K

$138 Rp 2.5M

-46.49%

3-bedroom Apartment, City Center (Monthly)

$357 PKR 98.9K

$498 Rp 9.0M

-28.20%

3-bedroom Apartment, Outside City Center (Monthly)

$188 PKR 52.0K

$378 Rp 6.8M

-50.31%

Buy Apartment in City Center (m2)

$1,060 PKR 293.4K

$1,211 Rp 21.8M

-12.43%

Buy Apartment Outside City Center (m2)

$481 PKR 133.1K

$825 Rp 14.9M

-41.75%

Average Monthly Net Salary (After Tax)

$183 PKR 50.6K

$191 Rp 3.4M

-4.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.21

8.82

49.77%

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

Last update for Karachi: October 11, 2026

Last update for Semarang: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karachi

$133 27.5%

Semarang

$108 18% 18.6% $25

Groceries & Markets

Karachi

$101 21%

Semarang

$186 31% 83.4% $84

Accommodation & Living

Karachi

$74 15.3%

Semarang

$138 23% 86.9% $64

Clothing & Footwear

Karachi

$68 14.1%

Semarang

$72 12.1% 6.6% $4.5

Eating Out

Karachi

$61 12.7%

Semarang

$53 8.9% 12.7% $7.8

Sport & Entertainment

Karachi

$30 6.2%

Semarang

$25 4.2% 16.3% $4.9

Getting Around

Karachi

$16 3.2%

Semarang

$17 2.8% 8.6% $1.3

Cost Breakdown

A one-bedroom apartment in the center runs $118 in Karachi and $231 in Semarang. Housing cost is often the main lever when comparing two cities.

Semarang pays 4% 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 $11.00 in Semarang. Groceries flip the comparison at $101 vs $186, with Karachi cheaper for home cooking.

Good to know

🇵🇰 Karachi

🇮🇩 Semarang

🕒 Local time

21:44 9:44 PM

23:44 11:44 PM

2 h ahead of Karachi

🌤 Weather

👥 Population

14,910,352

1,555,984

💱 Currency

Pakistani Rupee PKR ₨

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 18, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Karachi Semarang 5,880 km ≈ 8 h nonstop flight

From you

Karachi
Semarang

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 Semarang: Cost of Living - Frequently Asked Questions

Karachi and Semarang differ by about 24% in total monthly costs ($482 vs $599 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 4% lower in Semarang. 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 $231 in Semarang. 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 $599 in Semarang – a 24% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Karachi runs roughly 42% less than in Semarang. 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 24% less than in Semarang. Beyond cost, consider language, visa policies, and how big the international community is in each city.