Last update: Oct 2026

Cost of Living Comparison Between Ozamiz and Karachi

For one person, living is cheaper in Karachi: $482 a month against $691 in Ozamiz, rent and utilities included – about $2,500 less a year. Other living expenses account for most of the difference.

35

Cost of Living Index in Ozamiz
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Ozamiz Living Index
23

Cost of Living Index in Karachi
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Karachi Living Index

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Ozamiz

🇵🇭 Philippines

$691

/mo nomad

Karachi

🇵🇰 Pakistan

$482

/mo nomad

Monthly Cost of Living

How much you'll spend in Ozamiz 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 Ozamiz and in Karachi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $691 in Ozamiz versus $482 in Karachi.

Ozamiz $691
Karachi $482

Estimated couple costs with rent: $1,083 in Ozamiz versus $750 in Karachi.

Ozamiz $1,083
Karachi $750

Monthly costs for a family of three with rent: $1,475 in Ozamiz versus $1,018 in Karachi.

Ozamiz $1,475
Karachi $1,018

Living in Ozamiz is roughly 44% more expensive than in Karachi, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ozamiz 49% lower, Karachi 64% lower.

Meal at Budget Restaurant

$3.85 ₱243

$2.13 PKR 588

80.75%

Three-Course Dinner for Two, Mid-Range

$17.04 ₱1,073

$13.30 PKR 3,680

28.12%

Fast Food Meal (McDonalds, etc)

$2.80 ₱176

$5.45 PKR 1,508

-48.62%

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

$2.54 ₱160

$2.09 PKR 579

21.53%

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

$0.64 ₱40.51

$0.40 PKR 111

60.00%

Water (0.33 liter bottle)

$0.28 ₱17.33

$0.26 PKR 71.1

7.69%

Local Beer (0.5 liter draught)

$1.27 ₱79.8

Imported Beer (0.33 liter bottle)

$1.83 ₱115

Milk (1 liter)

$1.61 ₱102

$0.92 PKR 254

75.00%

White Bread (500g)

$0.73 ₱46.15

$0.56 PKR 156

30.36%

Rice (white) (1kg)

$0.79 ₱49.61

$1.25 PKR 345

-36.80%

Eggs

$2.10 ₱132

$1.23 PKR 341

70.73%

Local Cheese (1kg)

$6.02 ₱379

$5.67 PKR 1,570

6.17%

Chicken Fillets (1kg)

$3.46 ₱218

$3.16 PKR 876

9.49%

Beef Round Steak (1kg)

$7.50 ₱472

$6.28 PKR 1,737

19.43%

Apples (1kg)

$2.37 ₱149

$1.26 PKR 348

88.10%

Banana (1kg)

$0.75 ₱46.99

$0.53 PKR 148

41.51%

Oranges (1kg)

$2.59 ₱163

$1.00 PKR 276

159.00%

Tomato (1kg)

$1.21 ₱75.9

$0.56 PKR 154

116.07%

Potato (1kg)

$2.21 ₱139

$0.33 PKR 91.4

569.70%

Onion (1kg)

$2.76 ₱174

$0.34 PKR 95.1

711.76%

Lettuce (1 head)

$1.10 ₱69.2

$0.42 PKR 116

161.90%

Water (1.5 liter bottle)

$0.53 ₱33.53

$0.44 PKR 121

20.45%

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)

$2.83 ₱178

$1.84 PKR 509

53.80%

Wine (Bottle)

$8.68 ₱546

Local Beer (0.5 liter bottle)

$1.04 ₱65.2

Imported Beer (0.33 liter bottle)

$1.93 ₱121

One-way Ticket (Public Transport)

$0.27 ₱16.94

$0.28 PKR 77.0

-3.57%

Public Transport Monthly Pass (Regular Price)

$11.47 ₱722

$9.99 PKR 2,764

14.81%

Taxi Start (Normal Tariff)

$0.75 ₱47.24

$0.92 PKR 256

-18.48%

Taxi (Normal Tariff) (1km)

$0.19 ₱11.91

$0.70 PKR 193

-72.86%

Taxi 1hour Waiting (Normal Tariff)

$1.75 ₱110

$2.16 PKR 597

-18.98%

Gasoline (1 liter)

$1.02 ₱64.4

$1.38 PKR 382

-26.09%

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

$18.4K ₱1.2M

$17.9K PKR 5.0M

2.81%

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

$19.5K ₱1.2M

$27.1K PKR 7.5M

-28.12%

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

$112 ₱7,081

$113 PKR 31.4K

-0.86%

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

$16.02 ₱1,009

$5.95 PKR 1,648

169.24%

Internet (50+ Mbps, Unlimited Data)

$24.02 ₱1,513

$13.16 PKR 3,642

82.52%

Gym Membership (Monthly)

$29.50 ₱1,857

$21.55 PKR 5,965

36.89%

Tennis Court (1 Hour on Weekend)

$4.13 ₱260

$18.23 PKR 5,044

-77.35%

Cinema Ticket

$5.44 ₱342

$4.21 PKR 1,165

29.22%

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

$128 ₱8,038

$52.2 PKR 14.4K

144.81%

International Primary School, 1 Child (Yearly)

$9,160 ₱576.7K

$1,940 PKR 537.0K

372.07%

Jeans (Levis 501 Or Similar)

$36.38 ₱2,290

$17.55 PKR 4,858

107.29%

Summer Dress (H&M, Zara, etc)

$21.65 ₱1,363

$23.51 PKR 6,506

-7.91%

Sport Shoes (Adidas, Nike)

$65.9 ₱4,152

$68.9 PKR 19.1K

-4.25%

Men's Leather Business Shoes

$50.7 ₱3,192

$40.59 PKR 11.2K

24.93%

1-bedroom Apartment, City Center (Monthly)

$264 ₱16.6K

$118 PKR 32.7K

123.88%

1-bedroom Apartment, Outside City Center (Monthly)

$147 ₱9,284

$73.6 PKR 20.4K

100.34%

3-bedroom Apartment, City Center (Monthly)

$520 ₱32.8K

$357 PKR 98.9K

45.59%

3-bedroom Apartment, Outside City Center (Monthly)

$358 ₱22.5K

$188 PKR 52.0K

90.31%

Buy Apartment in City Center (m2)

$2,576 ₱162.2K

$1,060 PKR 293.4K

143.00%

Buy Apartment Outside City Center (m2)

$947 ₱59.6K

$481 PKR 133.1K

97.00%

Average Monthly Net Salary (After Tax)

$189 ₱11.9K

$183 PKR 50.6K

3.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

13.21

-48.60%

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

Last update for Ozamiz: 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

Ozamiz

$175 25.3%

Karachi

$101 21% 42.1% $74

Monthly Utilities & Internet

Ozamiz

$153 22.1%

Karachi

$133 27.5% 13.1% $20

Accommodation & Living

Ozamiz

$147 21.3%

Karachi

$74 15.3% 50.1% $74

Eating Out

Ozamiz

$83 12.1%

Karachi

$61 12.7% 26.7% $22

Clothing & Footwear

Ozamiz

$79 11.4%

Karachi

$68 14.1% 13.8% $11

Sport & Entertainment

Ozamiz

$40 5.8%

Karachi

$30 6.2% 25.8% $10

Getting Around

Ozamiz

$14 2.1%

Karachi

$16 3.2% 9% $1.3

Cost Breakdown

A one-bedroom apartment in the center runs $264 in Ozamiz and $118 in Karachi. Housing cost is often the main lever when comparing two cities.

Ozamiz pays 3% 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: $17.00 in Ozamiz vs $13.00 in Karachi for a mid-range dinner for two. Groceries echo the gap at $175 vs $101 per month, with Karachi cheaper across the board.

Good to know

🇵🇭 Ozamiz

🇵🇰 Karachi

🕒 Local time

10:57 10:57 AM

07:57 7:57 AM

3 h behind Ozamiz

🌤 Weather

👥 Population

141,828

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 18, 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 18, 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

Ozamiz Karachi 6,290 km ≈ 8 h nonstop flight

From you

Ozamiz
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

Ozamiz vs Karachi: Cost of Living - Frequently Asked Questions

Ozamiz and Karachi differ by about 44% in total monthly costs ($691 vs $482 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 3% higher in Ozamiz, 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: $264 in Ozamiz versus $118 in Karachi. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $691 per month in Ozamiz versus $482 in Karachi – a 44% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Karachi runs roughly 15% less than in Ozamiz. 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 44% less than in Ozamiz. Beyond cost, consider language, visa policies, and how big the international community is in each city.