Last update: Oct 2026

Cost of Living Comparison Between Naga and Karachi

For one person, living is cheaper in Karachi: $482 a month against $558 in Naga, rent and utilities included – about $910 less a year. The total is higher in Naga despite lower rent and utilities.

38

Cost of Living Index in Naga
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Naga Living Index
23

Cost of Living Index in Karachi
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Karachi Living Index

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Naga

🇵🇭 Philippines

$558

/mo nomad

Karachi

🇵🇰 Pakistan

$482

/mo nomad

Monthly Cost of Living

How much you'll spend in Naga and in Karachi

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

Monthly costs for one person with rent: $558 in Naga versus $482 in Karachi.

Naga $558
Karachi $482

Estimated couple costs with rent: $852 in Naga versus $750 in Karachi.

Naga $852
Karachi $750

Monthly costs for a family of three with rent: $1,147 in Naga versus $1,018 in Karachi.

Naga $1,147
Karachi $1,018

Living in Naga is roughly 16% more expensive than in Karachi, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Naga 59% lower, Karachi 64% lower.

Meal at Budget Restaurant

$5.26 ₱331

$2.13 PKR 588

146.95%

Three-Course Dinner for Two, Mid-Range

$13.42 ₱845

$13.30 PKR 3,680

0.90%

Fast Food Meal (McDonalds, etc)

$2.70 ₱170

$5.45 PKR 1,508

-50.46%

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

$2.67 ₱168

$2.09 PKR 579

27.75%

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

$0.71 ₱44.50

$0.40 PKR 111

77.50%

Water (0.33 liter bottle)

$0.25 ₱15.80

$0.26 PKR 71.1

-3.85%

Local Beer (0.5 liter draught)

$1.32 ₱83.3

Imported Beer (0.33 liter bottle)

$3.14 ₱197

Milk (1 liter)

$1.95 ₱123

$0.92 PKR 254

111.96%

White Bread (500g)

$0.85 ₱53.3

$0.56 PKR 156

51.79%

Rice (white) (1kg)

$0.82 ₱51.7

$1.25 PKR 345

-34.40%

Eggs

$1.70 ₱107

$1.23 PKR 341

38.21%

Local Cheese (1kg)

$10.19 ₱642

$5.67 PKR 1,570

79.72%

Chicken Fillets (1kg)

$4.07 ₱256

$3.16 PKR 876

28.80%

Beef Round Steak (1kg)

$6.99 ₱440

$6.28 PKR 1,737

11.31%

Apples (1kg)

$1.98 ₱125

$1.26 PKR 348

57.14%

Banana (1kg)

$1.63 ₱102

$0.53 PKR 148

207.55%

Oranges (1kg)

$2.44 ₱154

$1.00 PKR 276

144.00%

Tomato (1kg)

$2.43 ₱153

$0.56 PKR 154

333.93%

Potato (1kg)

$2.57 ₱162

$0.33 PKR 91.4

678.79%

Onion (1kg)

$2.22 ₱140

$0.34 PKR 95.1

552.94%

Lettuce (1 head)

$4.76 ₱300

$0.42 PKR 116

1033.33%

Water (1.5 liter bottle)

$0.62 ₱39.28

$0.44 PKR 121

40.91%

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)

$2.89 ₱182

$1.84 PKR 509

57.07%

Wine (Bottle)

$3.77 ₱237

Local Beer (0.5 liter bottle)

$1.61 ₱101

One-way Ticket (Public Transport)

$0.28 PKR 77.0

Public Transport Monthly Pass (Regular Price)

$9.99 PKR 2,764

Taxi Start (Normal Tariff)

$0.57 ₱36.08

$0.92 PKR 256

-38.04%

Taxi (Normal Tariff) (1km)

$0.70 PKR 193

Taxi 1hour Waiting (Normal Tariff)

$2.16 PKR 597

Gasoline (1 liter)

$1.26 ₱79.4

$1.38 PKR 382

-8.70%

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

$17.9K PKR 5.0M

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

$27.1K PKR 7.5M

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

$99.1 ₱6,242

$113 PKR 31.4K

-12.61%

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

$23.41 ₱1,474

$5.95 PKR 1,648

293.45%

Internet (50+ Mbps, Unlimited Data)

$26.23 ₱1,651

$13.16 PKR 3,642

99.32%

Gym Membership (Monthly)

$8.07 ₱508

$21.55 PKR 5,965

-62.55%

Tennis Court (1 Hour on Weekend)

$18.23 PKR 5,044

Cinema Ticket

$4.80 ₱302

$4.21 PKR 1,165

14.01%

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

$52.2 PKR 14.4K

International Primary School, 1 Child (Yearly)

$8,052 ₱507.0K

$1,940 PKR 537.0K

314.97%

Jeans (Levis 501 Or Similar)

$17.55 PKR 4,858

Summer Dress (H&M, Zara, etc)

$23.51 PKR 6,506

Sport Shoes (Adidas, Nike)

$68.9 PKR 19.1K

Men's Leather Business Shoes

$40.59 PKR 11.2K

1-bedroom Apartment, City Center (Monthly)

$158 ₱9,919

$118 PKR 32.7K

33.52%

1-bedroom Apartment, Outside City Center (Monthly)

$85.9 ₱5,411

$73.6 PKR 20.4K

16.75%

3-bedroom Apartment, City Center (Monthly)

$251 ₱15.8K

$357 PKR 98.9K

-29.73%

3-bedroom Apartment, Outside City Center (Monthly)

$194 ₱12.2K

$188 PKR 52.0K

3.07%

Buy Apartment in City Center (m2)

$1,060 PKR 293.4K

Buy Apartment Outside City Center (m2)

$481 PKR 133.1K

Average Monthly Net Salary (After Tax)

$145 ₱9,126

$183 PKR 50.6K

-20.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.21

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

Last update for Naga: October 12, 2026

Last update for Karachi: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Naga

$206 * 36.9%

Karachi

$101 21% 50.8% $105

Monthly Utilities & Internet

Naga

$149 26.7%

Karachi

$133 27.5% 10.9% $16

Eating Out

Naga

$99 17.7%

Karachi

$61 12.7% 38.3% $38

Accommodation & Living

Naga

$86 15.4%

Karachi

$74 15.3% 14.3% $12

Sport & Entertainment

Naga

$18 3.2%

Karachi

$30 6.2% 69.6% $12

Getting Around

Naga

$0.6 * 0.1%

Karachi

$16 3.2% 2623% $15

Clothing & Footwear

Naga

- * 0%

Karachi

$68 14.1%

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 $158 in Naga and $118 in Karachi. Housing cost is often the main lever when comparing two cities.

Karachi pays 26% 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 Naga vs $13.00 in Karachi. Groceries flip the comparison at $206 vs $101, with Karachi cheaper for home cooking.

Good to know

🇵🇭 Naga

🇵🇰 Karachi

🕒 Local time

21:54 9:54 PM

18:54 6:54 PM

3 h behind Naga

🌤 Weather

👥 Population

115,750

14,910,352

💱 Currency

Philippine Peso PHP ₱

Pakistani Rupee PKR ₨

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Pakistani Rupee exchange rates as of October 19, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Naga Karachi 5,990 km ≈ 8 h nonstop flight

From you

Naga
Karachi

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

Naga vs Karachi: Cost of Living - Frequently Asked Questions

Naga and Karachi differ by about 16% in total monthly costs ($558 vs $482 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 26% lower in Karachi. 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: $158 in Naga versus $118 in Karachi. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Karachi – a meal for two runs $13.00 versus $13.00 in Naga. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $558 per month in Naga versus $482 in Karachi – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

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.

Safety-wise, Naga and Karachi 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 16% less than in Naga. Beyond cost, consider language, visa policies, and how big the international community is in each city.