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

Monthly Cost of Living

A single person spends $504 per month in Rawalpindi vs $348 in Jammu, rent included.

A couple spends around $786 per month in Rawalpindi vs $575 in Jammu, rent included.

A family of three spends $1,069 per month in Rawalpindi vs $803 in Jammu, rent included.

Rawalpindi costs about 45% more than Jammu, driven mainly by Clothing & Footwear.

Both Rawalpindi and Jammu are more affordable than the global median – Rawalpindi 63% lower, Jammu 75% lower.

Meal at Budget Restaurant

$2.12 PKR 588

$3.59 ₹339

-40.95%

Three-Course Dinner for Two, Mid-Range

$15.93 PKR 4,416

$11.47 ₹1,083

38.88%

Fast Food Meal (McDonalds, etc)

$5.89 PKR 1,633

$3.60 ₹340

63.61%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.81 PKR 502

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.52 PKR 976

Cappuccino

$1.94 PKR 538

$1.07 ₹101

81.31%

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

$0.44 PKR 122

$0.31 ₹28.87

41.94%

Water (0.33 liter bottle)

$0.25 PKR 69.4

$0.12 ₹11.38

108.33%

Local Beer (0.5 liter draught)

$1.60 ₹152

Imported Beer (0.33 liter bottle)

$3.07 ₹290

Milk (1 liter)

$0.90 PKR 250

$0.63 ₹59.2

42.86%

White Bread (500g)

$0.55 PKR 152

$0.37 ₹35.32

48.65%

Rice (white) (1kg)

$1.23 PKR 342

$0.89 ₹84.0

38.20%

Eggs

$1.11 PKR 307

$1.00 ₹94.9

11.00%

Local Cheese (1kg)

$6.16 PKR 1,708

$4.01 ₹379

53.62%

Chicken Fillets (1kg)

$3.57 PKR 988

$1.57 ₹149

127.39%

Beef Round Steak (1kg)

$5.22 PKR 1,446

Apples (1kg)

$1.14 PKR 316

$1.15 ₹109

-0.87%

Banana (1kg)

$0.86 PKR 237

$0.92 ₹86.6

-6.52%

Oranges (1kg)

$1.23 PKR 340

$0.69 ₹65.3

78.26%

Tomato (1kg)

$0.57 PKR 158

$0.55 ₹52.3

3.64%

Potato (1kg)

$0.36 PKR 99.3

$0.34 ₹32.40

5.88%

Onion (1kg)

$0.46 PKR 127

$0.55 ₹51.7

-16.36%

Lettuce (1 head)

$0.33 PKR 92.1

$0.58 ₹55.1

-43.10%

Water (1.5 liter bottle)

$0.40 PKR 111

$0.29 ₹27.19

37.93%

Bottle of Non-Alcoholic Wine (Mid-Range)

$16.28 PKR 4,515

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.20 PKR 332

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.46 PKR 681

Cigarettes 20 Pack (Marlboro, Camel)

$1.93 PKR 535

$4.26 ₹402

-54.69%

Wine (Bottle)

$8.00 ₹756

Local Beer (0.5 liter bottle)

$1.34 ₹127

Imported Beer (0.33 liter bottle)

$3.16 ₹298

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

$2.87 ₹272

One-way Ticket (Public Transport)

$0.16 PKR 43.62

$0.25 ₹23.43

-36.00%

Public Transport Monthly Pass (Regular Price)

$10.12 PKR 2,807

$3.24 ₹306

212.35%

Taxi Start (Normal Tariff)

$0.91 PKR 253

$1.59 ₹150

-42.77%

Taxi (Normal Tariff) (1km)

$0.38 PKR 104

$0.25 ₹23.47

52.00%

Taxi 1hour Waiting (Normal Tariff)

$3.16 PKR 876

$1.86 ₹176

69.89%

Gasoline (1 liter)

$1.13 PKR 312

$1.09 ₹103

3.67%

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

$18.2K PKR 5.1M

$14.3K ₹1.3M

27.62%

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

$25.0K PKR 6.9M

$22.6K ₹2.1M

10.73%

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

$115 PKR 31.9K

$48.47 ₹4,579

137.24%

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

$5.49 PKR 1,522

$3.29 ₹311

66.87%

Internet (50+ Mbps, Unlimited Data)

$18.67 PKR 5,175

$6.62 ₹625

182.02%

Gym Membership (Monthly)

$12.12 PKR 3,361

$13.94 ₹1,317

-13.06%

Tennis Court (1 Hour on Weekend)

$6.75 PKR 1,872

$15.74 ₹1,487

-57.12%

Cinema Ticket

$4.28 PKR 1,187

$2.60 ₹245

64.62%

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

$48.47 PKR 13.4K

$36.70 ₹3,467

32.07%

International Primary School, 1 Child (Yearly)

$844 PKR 234.0K

$1,100 ₹103.9K

-23.29%

Jeans (Levis 501 Or Similar)

$20.85 PKR 5,780

$26.09 ₹2,465

-20.08%

Summer Dress (H&M, Zara, etc)

$28.03 PKR 7,771

$31.32 ₹2,959

-10.50%

Sport Shoes (Adidas, Nike)

$91.0 PKR 25.2K

$42.39 ₹4,005

114.70%

Men's Leather Business Shoes

$36.28 PKR 10.1K

$28.11 ₹2,656

29.06%

1-bedroom Apartment, City Center (Monthly)

$204 PKR 56.7K

$96.3 ₹9,102

112.10%

1-bedroom Apartment, Outside City Center (Monthly)

$82.0 PKR 22.7K

$53.0 ₹5,003

54.90%

3-bedroom Apartment, City Center (Monthly)

$438 PKR 121.5K

$241 ₹22.8K

81.47%

3-bedroom Apartment, Outside City Center (Monthly)

$225 PKR 62.5K

$162 ₹15.3K

39.36%

Buy Apartment in City Center (m2)

$1,164 PKR 322.8K

$989 ₹93.4K

17.71%

Buy Apartment Outside City Center (m2)

$512 PKR 142.1K

$523 ₹49.5K

-2.11%

Average Monthly Net Salary (After Tax)

$175 PKR 48.4K

$492 ₹46.5K

-64.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

22.81

10.5

117.24%

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

Last update for Rawalpindi: September 1, 2026

Last update for Jammu: August 31, 2026

Cost Breakdown

A central one-bedroom costs $204 in Rawalpindi versus $96.3 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 182% 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.

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 45%, and the gap shows up most in Clothing & Footwear. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $756 per month in Rawalpindi and $521 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 $504 in Rawalpindi and $348 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 $504 in Rawalpindi and $348 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.