Last update: Nov 2026

Cost of Living Comparison Between Karak and Cebu

For one person, living is cheaper in Karak: $446 a month against $943 in Cebu, rent and utilities included – about $6,000 less a year. Rent and utilities account for about half of the difference.

21

Cost of Living Index in Karak
Learn more

Karak Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Karak

🇵🇰 Pakistan

$446

/mo nomad

Cebu

🇵🇭 Philippines

$943

/mo nomad

Monthly Cost of Living

How much you'll spend in Karak and in Cebu

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

Monthly costs for one person with rent: $446 in Karak versus $943 in Cebu.

Karak $446
Cebu $943

Estimated couple costs with rent: $661 in Karak versus $1,437 in Cebu.

Karak $661
Cebu $1,437

Monthly costs for a family of three with rent: $876 in Karak versus $1,930 in Cebu.

Karak $876
Cebu $1,930

Living in Karak costs roughly 53% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Karak 67% lower, Cebu 30% lower.

Meal at Budget Restaurant

$0.74 PKR 206

$3.88 ₱246

-80.93%

Three-Course Dinner for Two, Mid-Range

$7.27 PKR 2,011

$23.22 ₱1,471

-68.69%

Fast Food Meal (McDonalds, etc)

$5.38 PKR 1,488

$3.90 ₱247

37.95%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.75 PKR 209

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.84 PKR 1,890

Cappuccino

$0.52 PKR 142

$2.56 ₱162

-79.69%

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

$0.32 PKR 87.1

$1.60 ₱101

-80.00%

Water (0.33 liter bottle)

$0.21 PKR 58.0

$0.51 ₱32.23

-58.82%

Local Beer (0.5 liter draught)

$1.76 ₱112

Imported Beer (0.33 liter bottle)

$2.15 ₱137

Milk (1 liter)

$1.01 PKR 278

$1.99 ₱126

-49.25%

White Bread (500g)

$0.53 PKR 145

$1.37 ₱86.8

-61.31%

Rice (white) (1kg)

$1.07 PKR 294

$0.95 ₱60.2

12.63%

Eggs

$1.11 PKR 307

$2.02 ₱128

-45.05%

Local Cheese (1kg)

$1.78 PKR 493

$9.63 ₱610

-81.52%

Chicken Fillets (1kg)

$2.90 PKR 802

$4.35 ₱276

-33.33%

Beef Round Steak (1kg)

$4.40 PKR 1,217

$7.70 ₱488

-42.86%

Apples (1kg)

$0.71 PKR 196

$3.30 ₱209

-78.48%

Banana (1kg)

$0.56 PKR 156

$1.27 ₱80.2

-55.91%

Oranges (1kg)

$0.69 PKR 190

$2.34 ₱148

-70.51%

Tomato (1kg)

$0.55 PKR 152

$1.51 ₱96.0

-63.58%

Potato (1kg)

$0.29 PKR 81.3

$2.23 ₱141

-87.00%

Onion (1kg)

$0.38 PKR 105

$1.93 ₱123

-80.31%

Lettuce (1 head)

$0.17 PKR 46.90

$1.18 ₱74.9

-85.59%

Water (1.5 liter bottle)

$0.26 PKR 72.4

$0.65 ₱41.19

-60.00%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.80 PKR 499

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.24 PKR 342

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.37 PKR 656

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 PKR 622

$2.89 ₱183

-22.15%

Wine (Bottle)

$6.35 ₱402

Local Beer (0.5 liter bottle)

$1.27 ₱80.6

Imported Beer (0.33 liter bottle)

$1.64 ₱104

One-way Ticket (Public Transport)

$0.20 PKR 55.5

$0.23 ₱14.51

-13.04%

Public Transport Monthly Pass (Regular Price)

$10.10 PKR 2,791

$12.24 ₱775

-17.48%

Taxi Start (Normal Tariff)

$1.29 PKR 358

$0.82 ₱51.9

57.32%

Taxi (Normal Tariff) (1km)

$0.75 PKR 207

$0.20 ₱12.64

275.00%

Taxi 1hour Waiting (Normal Tariff)

$1.60 PKR 441

$4.32 ₱274

-62.96%

Gasoline (1 liter)

$1.36 PKR 377

$1.38 ₱87.3

-1.45%

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

$22.0K PKR 6.1M

$21.2K ₱1.3M

3.87%

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

$23.0K PKR 6.4M

$19.3K ₱1.2M

19.38%

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

$103 PKR 28.3K

$124 ₱7,865

-17.43%

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

$6.05 PKR 1,672

$15.93 ₱1,009

-62.02%

Internet (50+ Mbps, Unlimited Data)

$17.01 PKR 4,702

$28.07 ₱1,779

-39.40%

Gym Membership (Monthly)

$14.76 PKR 4,079

$33.41 ₱2,117

-55.82%

Tennis Court (1 Hour on Weekend)

$8.19 PKR 2,263

$6.40 ₱405

27.97%

Cinema Ticket

$4.74 PKR 1,310

$5.85 ₱371

-18.97%

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

$42.84 PKR 11.8K

$271 ₱17.1K

-84.17%

International Primary School, 1 Child (Yearly)

$1,047 PKR 289.3K

$8,060 ₱510.7K

-87.01%

Jeans (Levis 501 Or Similar)

$26.28 PKR 7,263

$48.31 ₱3,061

-45.60%

Summer Dress (H&M, Zara, etc)

$34.20 PKR 9,454

$24.56 ₱1,556

39.25%

Sport Shoes (Adidas, Nike)

$97.8 PKR 27.0K

$77.1 ₱4,887

26.73%

Men's Leather Business Shoes

$40.84 PKR 11.3K

$56.5 ₱3,580

-27.73%

1-bedroom Apartment, City Center (Monthly)

$138 PKR 38.1K

$495 ₱31.4K

-72.17%

1-bedroom Apartment, Outside City Center (Monthly)

$85.6 PKR 23.7K

$322 ₱20.4K

-73.38%

3-bedroom Apartment, City Center (Monthly)

$264 PKR 72.9K

$990 ₱62.7K

-73.38%

3-bedroom Apartment, Outside City Center (Monthly)

$181 PKR 50.0K

$628 ₱39.8K

-71.22%

Buy Apartment in City Center (m2)

$815 PKR 225.3K

$4,459 ₱282.5K

-81.71%

Buy Apartment Outside City Center (m2)

$496 PKR 137.1K

$3,030 ₱192.0K

-83.63%

Average Monthly Net Salary (After Tax)

$343 ₱21.7K

20-Year Fixed Mortgage Interest Rate (Annual %)

13.08

7.2

81.67%

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

Last update for Karak: November 1, 2026

Last update for Cebu: November 2, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karak

$126 28.1%

Cebu

$168 17.8% 33.9% $43

Clothing & Footwear

Karak

$90 20.1%

Cebu

$93 9.9% 3.7% $3.4

Accommodation & Living

Karak

$86 19.2%

Cebu

$322 34.1% 276% $236

Groceries & Markets

Karak

$75 16.8%

Cebu

$206 21.8% 174% $131

Eating Out

Karak

$30 6.8%

Cebu

$95 10.1% 213% $65

Sport & Entertainment

Karak

$24 5.4%

Cebu

$45 4.8% 86.1% $21

Getting Around

Karak

$16 3.6%

Cebu

$15 1.6% 6.1% $1

Cost Breakdown

A one-bedroom apartment in the center runs $138 in Karak and $495 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $7 in Karak vs $23 in Cebu for a mid-range dinner for two. Groceries echo the gap at $75 vs $206 per month, with Karak cheaper across the board.

Good to know

🇵🇰 Karak

🇵🇭 Cebu

🕒 Local time

23:49 11:49 PM

02:49 2:49 AM

3 h ahead of Karak

🌤 Weather

👥 Population

51,149

964,169

💱 Currency

Pakistani Rupee PKR ₨

Philippine Peso PHP ₱

📈 Exchange rate

1,000 PKR = 3.62 USD

1,000 PKR = 3.22 EUR

100 PHP = 1.58 USD

100 PHP = 1.4 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 November 5, 2026: 1 USD = 276 PKR (1,000 PKR = 3.62 USD). 1 EUR = 311 PKR (1,000 PKR = 3.22 EUR).

Philippine Peso exchange rates as of November 5, 2026: 1 USD = 63.36 PHP (100 PHP = 1.58 USD). 1 EUR = 71.2 PHP (100 PHP = 1.4 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Karak Cebu 5,940 km ≈ 8 h nonstop flight

From you

Karak
Cebu

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

Karak vs Cebu: Cost of Living - Frequently Asked Questions

Karak is about 53% cheaper overall, especially in groceries, eating out, and utilities. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $670 in Karak and $1,415 in Cebu 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: $138 in Karak versus $495 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $446 per month in Karak versus $943 in Cebu – Karak is about 53% cheaper, which adds up to real savings over time.

A monthly transit pass in Karak runs roughly 17% less than in Cebu. The price difference matters if you commute daily and watch your budget.

At $446 in Karak versus $943 in Cebu, a $800 budget is realistic in Karak but tight or insufficient in Cebu. The gap between the two cities makes Karak 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.

Expats usually find Karak gentler on the wallet – expenses run 53% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.