Last update: Oct 2026

Cost of Living Comparison Between Rawalpindi and Jammu

For one person, living is cheaper in Jammu: $352 a month against $498 in Rawalpindi, rent and utilities included – about $1,800 less a year. Rent and utilities account for most of the difference.

24

Cost of Living Index in Rawalpindi
Learn more

Rawalpindi Living Index
17

Cost of Living Index in Jammu
Learn more

Jammu Living Index

Jump to prices

Rawalpindi

🇵🇰 Pakistan

$498

/mo nomad

Jammu

🇮🇳 India

$352

/mo nomad

Monthly Cost of Living

How much you'll spend in Rawalpindi and in Jammu

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

A single person spends $498 per month in Rawalpindi vs $352 in Jammu, rent included.

Rawalpindi $498
Jammu $352

A couple spends around $784 per month in Rawalpindi vs $575 in Jammu, rent included.

Rawalpindi $784
Jammu $575

A family of three spends $1,070 per month in Rawalpindi vs $798 in Jammu, rent included.

Rawalpindi $1,070
Jammu $798

Rawalpindi costs about 42% more than Jammu, and outside of rent the biggest gap is in clothing.

Both Rawalpindi and Jammu are more affordable than the global median – Rawalpindi 63% lower, Jammu 74% lower.

Meal at Budget Restaurant

$2.04 PKR 565

$3.60 ₹342

-43.33%

Three-Course Dinner for Two, Mid-Range

$16.20 PKR 4,484

$11.48 ₹1,090

41.11%

Fast Food Meal (McDonalds, etc)

$5.79 PKR 1,602

$3.65 ₹346

58.63%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.78 PKR 492

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.47 PKR 962

Cappuccino

$1.94 PKR 537

$1.08 ₹103

79.63%

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

$0.44 PKR 121

$0.32 ₹30.49

37.50%

Water (0.33 liter bottle)

$0.23 PKR 63.3

$0.11 ₹10.79

109.09%

Local Beer (0.5 liter draught)

$1.55 ₹148

Imported Beer (0.33 liter bottle)

$3.10 ₹294

Milk (1 liter)

$0.90 PKR 249

$0.61 ₹58.1

47.54%

White Bread (500g)

$0.59 PKR 162

$0.38 ₹35.88

55.26%

Rice (white) (1kg)

$1.22 PKR 337

$0.84 ₹79.7

45.24%

Eggs

$1.14 PKR 316

$0.99 ₹94.0

15.15%

Local Cheese (1kg)

$6.38 PKR 1,765

$4.02 ₹381

58.71%

Chicken Fillets (1kg)

$3.38 PKR 935

$1.56 ₹148

116.67%

Beef Round Steak (1kg)

$5.22 PKR 1,446

Apples (1kg)

$1.14 PKR 316

$1.11 ₹105

2.70%

Banana (1kg)

$0.89 PKR 245

$0.96 ₹90.9

-7.29%

Oranges (1kg)

$1.22 PKR 337

$0.73 ₹69.2

67.12%

Tomato (1kg)

$0.56 PKR 156

$0.53 ₹49.96

5.66%

Potato (1kg)

$0.35 PKR 97.7

$0.34 ₹32.48

2.94%

Onion (1kg)

$0.46 PKR 127

$0.53 ₹50.6

-13.21%

Lettuce (1 head)

$0.33 PKR 91.5

$0.63 ₹59.4

-47.62%

Water (1.5 liter bottle)

$0.42 PKR 117

$0.29 ₹27.14

44.83%

Bottle of Non-Alcoholic Wine (Mid-Range)

$16.44 PKR 4,551

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.21 PKR 335

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.45 PKR 677

Cigarettes 20 Pack (Marlboro, Camel)

$1.98 PKR 548

$4.13 ₹393

-52.06%

Wine (Bottle)

$8.06 ₹766

Local Beer (0.5 liter bottle)

$1.27 ₹121

Imported Beer (0.33 liter bottle)

$3.14 ₹298

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

$2.87 ₹273

One-way Ticket (Public Transport)

$0.17 PKR 46.63

$0.27 ₹25.71

-37.04%

Public Transport Monthly Pass (Regular Price)

$10.08 PKR 2,791

$3.18 ₹302

216.98%

Taxi Start (Normal Tariff)

$0.88 PKR 244

$1.59 ₹151

-44.65%

Taxi (Normal Tariff) (1km)

$0.35 PKR 95.8

$0.27 ₹25.75

29.63%

Taxi 1hour Waiting (Normal Tariff)

$3.09 PKR 856

$1.80 ₹171

71.67%

Gasoline (1 liter)

$1.23 PKR 341

$1.07 ₹102

14.95%

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

$18.7K PKR 5.2M

$14.3K ₹1.4M

30.87%

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

$24.5K PKR 6.8M

$22.7K ₹2.2M

7.91%

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

$115 PKR 31.8K

$47.62 ₹4,522

140.93%

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

$5.74 PKR 1,590

$3.29 ₹313

74.47%

Internet (50+ Mbps, Unlimited Data)

$18.80 PKR 5,204

$6.47 ₹615

190.57%

Gym Membership (Monthly)

$12.17 PKR 3,369

$13.63 ₹1,294

-10.71%

Tennis Court (1 Hour on Weekend)

$7.40 PKR 2,048

$15.90 ₹1,510

-53.46%

Cinema Ticket

$4.38 PKR 1,211

$2.53 ₹241

73.12%

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

$49.65 PKR 13.7K

$37.13 ₹3,526

33.72%

International Primary School, 1 Child (Yearly)

$1,044 PKR 288.9K

$1,062 ₹100.9K

-1.75%

Jeans (Levis 501 Or Similar)

$17.65 PKR 4,886

$25.83 ₹2,453

-31.67%

Summer Dress (H&M, Zara, etc)

$32.02 PKR 8,862

$30.79 ₹2,924

3.99%

Sport Shoes (Adidas, Nike)

$93.4 PKR 25.9K

$42.28 ₹4,014

121.00%

Men's Leather Business Shoes

$35.64 PKR 9,863

$27.02 ₹2,566

31.90%

1-bedroom Apartment, City Center (Monthly)

$204 PKR 56.5K

$95.4 ₹9,055

114.15%

1-bedroom Apartment, Outside City Center (Monthly)

$81.6 PKR 22.6K

$52.9 ₹5,019

54.41%

3-bedroom Apartment, City Center (Monthly)

$418 PKR 115.6K

$247 ₹23.4K

69.11%

3-bedroom Apartment, Outside City Center (Monthly)

$222 PKR 61.5K

$156 ₹14.8K

42.21%

Buy Apartment in City Center (m2)

$1,197 PKR 331.2K

$962 ₹91.3K

24.40%

Buy Apartment Outside City Center (m2)

$451 PKR 124.8K

$514 ₹48.8K

-12.26%

Average Monthly Net Salary (After Tax)

$173 PKR 47.8K

$500 ₹47.5K

-65.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

22.81

11.75

94.13%

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

Last update for Rawalpindi: October 13, 2026

Last update for Jammu: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Rawalpindi

$139 28%

Jammu

$57 16.3% 58.8% $82

Groceries & Markets

Rawalpindi

$103 20.7%

Jammu

$91 25.8% 12% $12

Accommodation & Living

Rawalpindi

$82 16.4%

Jammu

$53 15% 35.2% $29

Clothing & Footwear

Rawalpindi

$80 16.1%

Jammu

$57 16.1% 29.6% $24

Eating Out

Rawalpindi

$60 12%

Jammu

$68 19.5% 14.7% $8.8

Sport & Entertainment

Rawalpindi

$21 4.2%

Jammu

$19 5.3% 10.6% $2.2

Getting Around

Rawalpindi

$13 2.7%

Jammu

$7.2 2.1% 46.1% $6.2

Cost Breakdown

A central one-bedroom costs $204 in Rawalpindi versus $95.4 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 190% 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 $16.00 in Rawalpindi versus $11.00 in Jammu. Monthly groceries follow the same trend: $103 vs $91.0 – making Jammu the more affordable choice for daily food spending.

Good to know

🇵🇰 Rawalpindi

🇮🇳 Jammu

🕒 Local time

12:24 12:24 PM

12:54 12:54 PM

30 min ahead of Rawalpindi

🌤 Weather

👥 Population

2,098,231

502,197

💱 Currency

Pakistani Rupee PKR ₨

Indian Rupee INR ₹

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

Indian Rupee exchange rates as of October 20, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Rawalpindi Jammu 190 km

From you

Rawalpindi
Jammu

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

Rawalpindi vs Jammu: Cost of Living - Frequently Asked Questions

Yes – Rawalpindi is pricier by about 42%, and outside of rent the gap shows up most in clothing.

For a comfortable life, plan on about $748 per month in Rawalpindi and $528 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 $16.00 in Rawalpindi and $11.00 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 $498 in Rawalpindi and $352 in Jammu. That's a gap of about 42%.

$1,000 covers both cities comfortably – all-in costs are $498 in Rawalpindi and $352 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.