Cost of Living Comparison Between Rawalpindi and Jammu Cost of Living Comparison Between Rawalpindi and Jammu

Monthly Cost of Living

A single person spends $437 per month in Rawalpindi vs $355 in Jammu, rent included.

A couple spends around $671 per month in Rawalpindi vs $575 in Jammu, rent included.

A family of three spends $905 per month in Rawalpindi vs $795 in Jammu, rent included.

Rawalpindi costs about 23% more than Jammu, driven mainly by Eating Out.

Both Rawalpindi and Jammu are more affordable than the global median – Rawalpindi 67% lower, Jammu 73% lower.

Meal at Budget Restaurant

$1.82 PKR 505

$3.22 ₹311

-43.48%

Three-Course Dinner for Two, Mid-Range

$13.95 PKR 3,873

$11.58 ₹1,117

20.47%

Fast Food Meal (McDonalds, etc)

$5.40 PKR 1,499

$2.96 ₹286

82.43%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.56 PKR 433

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.53 PKR 980

Cappuccino

$1.71 PKR 474

$1.16 ₹112

47.41%

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

$0.31 PKR 87.1

$0.36 ₹34.92

-13.89%

Water (0.33 liter bottle)

$0.23 PKR 63.9

$0.18 ₹17.43

27.78%

Local Beer (0.5 liter draught)

$1.44 ₹139

Imported Beer (0.33 liter bottle)

$2.63 ₹254

Milk (1 liter)

$0.86 PKR 239

$0.66 ₹63.9

30.30%

White Bread (500g)

$0.53 PKR 146

$0.42 ₹40.03

26.19%

Rice (white) (1kg)

$1.30 PKR 361

$0.72 ₹69.7

80.56%

Eggs

$1.12 PKR 312

$0.97 ₹93.9

15.46%

Local Cheese (1kg)

$6.03 PKR 1,674

$3.98 ₹384

51.51%

Chicken Fillets (1kg)

$3.43 PKR 953

$2.38 ₹230

44.12%

Beef Round Steak (1kg)

$4.40 PKR 1,221

Apples (1kg)

$1.01 PKR 280

$1.25 ₹120

-19.20%

Banana (1kg)

$0.69 PKR 191

$0.93 ₹90.0

-25.81%

Oranges (1kg)

$0.85 PKR 236

$0.92 ₹88.9

-7.61%

Tomato (1kg)

$0.47 PKR 129

$0.55 ₹52.9

-14.55%

Potato (1kg)

$0.34 PKR 94.1

$0.35 ₹33.46

-2.86%

Onion (1kg)

$0.52 PKR 145

$0.52 ₹50.2

Lettuce (1 head)

$0.24 PKR 66.0

$0.69 ₹66.6

-65.22%

Water (1.5 liter bottle)

$0.39 PKR 109

$0.33 ₹31.83

18.18%

Bottle of Non-Alcoholic Wine (Mid-Range)

$16.04 PKR 4,454

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.99 PKR 274

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.40 PKR 666

Cigarettes 20 Pack (Marlboro, Camel)

$1.91 PKR 531

$3.88 ₹375

-50.77%

Wine (Bottle)

$7.62 ₹735

Local Beer (0.5 liter bottle)

$1.47 ₹142

Imported Beer (0.33 liter bottle)

$2.59 ₹250

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$3.74 ₹360

One-way Ticket (Public Transport)

$0.20 PKR 56.1

$0.28 ₹26.79

-28.57%

Public Transport Monthly Pass (Regular Price)

$9.52 PKR 2,645

$3.57 ₹345

166.67%

Taxi Start (Normal Tariff)

$0.86 PKR 240

$1.76 ₹170

-51.14%

Taxi (Normal Tariff) (1km)

$0.32 PKR 89.7

$0.30 ₹29.27

6.67%

Taxi 1hour Waiting (Normal Tariff)

$2.92 PKR 811

$2.34 ₹226

24.79%

Gasoline (1 liter)

$0.97 PKR 270

$1.20 ₹116

-19.17%

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

$17.6K PKR 4.9M

$17.4K ₹1.7M

1.15%

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

$22.8K PKR 6.3M

$27.7K ₹2.7M

-17.65%

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

$104 PKR 28.8K

$31.68 ₹3,055

227.30%

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

$4.04 PKR 1,121

$3.69 ₹356

9.49%

Internet (50+ Mbps, Unlimited Data)

$16.63 PKR 4,618

$7.60 ₹733

118.82%

Gym Membership (Monthly)

$9.97 PKR 2,768

$16.07 ₹1,550

-37.96%

Tennis Court (1 Hour on Weekend)

$7.43 PKR 2,062

$7.18 ₹692

3.48%

Cinema Ticket

$3.47 PKR 964

$2.87 ₹276

20.91%

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

$40.20 PKR 11.2K

$41.37 ₹3,990

-2.83%

International Primary School, 1 Child (Yearly)

$948 PKR 263.3K

$1,220 ₹117.6K

-22.28%

Jeans (Levis 501 Or Similar)

$11.90 PKR 3,304

$27.11 ₹2,614

-56.10%

Summer Dress (H&M, Zara, etc)

$18.45 PKR 5,124

$32.25 ₹3,110

-42.79%

Sport Shoes (Adidas, Nike)

$89.5 PKR 24.9K

$43.53 ₹4,198

105.61%

Men's Leather Business Shoes

$29.00 PKR 8,052

$25.98 ₹2,505

11.62%

1-bedroom Apartment, City Center (Monthly)

$133 PKR 36.8K

$98.6 ₹9,506

34.49%

1-bedroom Apartment, Outside City Center (Monthly)

$65.1 PKR 18.1K

$59.0 ₹5,694

10.26%

3-bedroom Apartment, City Center (Monthly)

$330 PKR 91.6K

$249 ₹24.0K

32.50%

3-bedroom Apartment, Outside City Center (Monthly)

$171 PKR 47.4K

$181 ₹17.4K

-5.59%

Buy Apartment in City Center (m2)

$1,176 PKR 326.5K

$997 ₹96.2K

17.92%

Buy Apartment Outside City Center (m2)

$518 PKR 143.8K

$516 ₹49.7K

0.40%

Average Monthly Net Salary (After Tax)

$175 PKR 48.5K

$491 ₹47.4K

-64.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

20.17

13.83

45.84%

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

Last update for Rawalpindi: July 14, 2026

Last update for Jammu: July 12, 2026

Cost Breakdown

A central one-bedroom costs $133 in Rawalpindi versus $98.6 in Jammu. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 181% higher in Jammu, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $14.00 in Rawalpindi versus $12.00 in Jammu. Groceries tell a different story – $95.0 in Rawalpindi vs $96.0 in Jammu – so Rawalpindi wins on supermarket bills even if dining out costs more.

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

Rawalpindi vs Jammu: Cost of Living - Frequently Asked Questions

Yes – Rawalpindi is pricier by about 23%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $656 per month in Rawalpindi and $532 in Jammu. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Jammu, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $14.00 in Rawalpindi and $12.00 in Jammu. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $437 in Rawalpindi and $355 in Jammu. The difference isn't just one category – it shows up across housing, food, transport, and services.

$1,000 covers both cities comfortably – all-in costs are $437 in Rawalpindi and $355 in Jammu, leaving budget for savings and extras in both cases.

Families tend to lean toward Jammu – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Jammu. If higher salaries, better infrastructure, or specific career opportunities are the priority, Rawalpindi makes more sense. Both are solid long-term options with distinct trade-offs.