Cost Of Living in Bahawalpur 2025

cost of living chart - average monthly expenditure in Bahawalpur

Average monthly spending for singles, couples, students, and families in Bahawalpur

Whether you're living in Bahawalpur or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Average Monthly Expenditure

Currency: PKR
28,000 360,000 3.6M
MINIMUM AVERAGE MAXIMUM
$100 $1,300 $13,000

Monthly Expenditure ▶ Single

Currency: PKR
35,000 250,000 1.7M
MINIMUM AVERAGE MAXIMUM
$130 $900 $6,000

Monthly Expenditure ▶ Couple

Currency: PKR
140,000 420,000 2.2M
MINIMUM AVERAGE MAXIMUM
$500 $1,500 $8,000

Monthly Expenditure ▶ Family

Currency: PKR
200,000 560,000 3.6M
MINIMUM AVERAGE MAXIMUM
$700 $2,000 $13,000

Monthly Expenditure ▶ Student

Currency: PKR
28,000 190,000 1.2M
MINIMUM AVERAGE MAXIMUM
$100 $670 $4,500
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Bahawalpur is 250,000 PKR. Expenses can range from 35,000 PKR at the minimum level to 1.7M PKR at the highest end.


Couples

The average monthly spending of couples in Bahawalpur is 420,000 PKR. Expenditure can range from 140,000 PKR to 2.2M PKR per month.


Families

The average cost of living for families in Bahawalpur is 560,000 PKR per month. Families spend anywhere from 200,000 PKR to 3.6M PKR.


Students

The average monthly expenditure for students in Bahawalpur is 190,000 PKR. Students spend from 28,000 PKR to 1.2M PKR per month.


Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.



Prices and cost of goods and services in Bahawalpur


Chart showing the prices and cost of grocery, food, restaurant meals, market, and beverages in Bahawalpur

Dining, food, and beverages costs


Fast food combo meal

390 PKR 780 PKR 1,300 PKR
MINIMUM AVERAGE MAXIMUM
$1.4 $2.8 $4.7

Restaurant meal for one

1,300 PKR 1,900 PKR 3,800 PKR
MINIMUM AVERAGE MAXIMUM
$4.5 $6.7 $13

Fine dining meal for one

2,500 PKR 3,800 PKR 15,000 PKR
MINIMUM AVERAGE MAXIMUM
$9 $13 $54

Cappuccino or latte

330 PKR 520 PKR 780 PKR
MINIMUM AVERAGE MAXIMUM
$1.2 $1.9 $2.8

Grocery and market costs


Milk large bottle

260 PKR 310 PKR 390 PKR
MINIMUM AVERAGE MAXIMUM
$0.94 $1.1 $1.4

12 eggs

200 PKR 260 PKR 390 PKR
MINIMUM AVERAGE MAXIMUM
$0.70 $0.94 $1.4

Fresh whole chicken

450 PKR 580 PKR 820 PKR
MINIMUM AVERAGE MAXIMUM
$1.6 $2.1 $2.9

Pack of beef

520 PKR 780 PKR 1,600 PKR
MINIMUM AVERAGE MAXIMUM
$1.9 $2.8 $5.6

Medium bag of rice

210 PKR 290 PKR 410 PKR
MINIMUM AVERAGE MAXIMUM
$0.75 $1 $1.5

Bag of tomatos

78 PKR 100 PKR 200 PKR
MINIMUM AVERAGE MAXIMUM
$0.28 $0.37 $0.70

Bag of apples

140 PKR 180 PKR 300 PKR
MINIMUM AVERAGE MAXIMUM
$0.50 $0.66 $1.1
Chart showing the prices and cost of commute, travel, and transportation in Bahawalpur

Commute, travel, and transportation costs


20 minutes taxi ride

310 PKR 380 PKR 750 PKR
MINIMUM AVERAGE MAXIMUM
$1.1 $1.3 $2.7

Average car full tank

2,000 PKR 2,600 PKR 5,200 PKR
MINIMUM AVERAGE MAXIMUM
$7 $9.4 $19

Average car 1-day rental

1,800 PKR 2,400 PKR 3,600 PKR
MINIMUM AVERAGE MAXIMUM
$6.5 $8.6 $13

Average car price

980,000 PKR 2M PKR 2.6M PKR
MINIMUM AVERAGE MAXIMUM
$3,500 $7,000 $9,400

Bus ticket one way

60 PKR 90 PKR 180 PKR
MINIMUM AVERAGE MAXIMUM
$0.22 $0.32 $0.65

Car Service

2,400 PKR 3,600 PKR 7,200 PKR
MINIMUM AVERAGE MAXIMUM
$8.6 $13 $26
Chart showing the prices and cost of utility, energy, water, and gas for a family in Bahawalpur

Utility cost (monthly)


Utility Bill - Individual

2,100 PKR 15,000 PKR 100,000 PKR
MINIMUM AVERAGE MAXIMUM
$7.6 $54 $360

Utility Bill - Couple

5,600 PKR 19,000 PKR 120,000 PKR
MINIMUM AVERAGE MAXIMUM
$20 $68 $440

Utility Bill - Family

9,800 PKR 28,000 PKR 180,000 PKR
MINIMUM AVERAGE MAXIMUM
$35 $100 $650

Internet and cable

2,000 PKR 3,900 PKR 5,200 PKR
MINIMUM AVERAGE MAXIMUM
$7 $14 $19

Mobile phone charges

1,600 PKR 2,600 PKR 7,800 PKR
MINIMUM AVERAGE MAXIMUM
$5.6 $9.4 $28

Leisure and activities costs


Movie ticket

980 PKR 1,300 PKR 2,000 PKR
MINIMUM AVERAGE MAXIMUM
$3.5 $4.7 $7

One month gym membership

2,900 PKR 3,600 PKR 7,200 PKR
MINIMUM AVERAGE MAXIMUM
$10 $13 $26
Chart showing the prices and cost of clothing and accessories in Bahawalpur

Cloths and accessories costs


Pair of jeans or pants

2,100 PKR 3,000 PKR 4,500 PKR
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $16

Woman dress

2,000 PKR 2,800 PKR 9,000 PKR
MINIMUM AVERAGE MAXIMUM
$7.2 $10 $32

Woman shoes

1,900 PKR 2,600 PKR 6,000 PKR
MINIMUM AVERAGE MAXIMUM
$6.8 $9.3 $22

Men's shoes

1,600 PKR 2,000 PKR 4,000 PKR
MINIMUM AVERAGE MAXIMUM
$5.9 $7.2 $14

Men suit

1,800 PKR 2,300 PKR 12,000 PKR
MINIMUM AVERAGE MAXIMUM
$6.5 $8.1 $43

Regular t-shirt

900 PKR 1,200 PKR 3,600 PKR
MINIMUM AVERAGE MAXIMUM
$3.2 $4.3 $13
Chart showing the prices and cost of housing, accommodation, and rent in Bahawalpur

Housing costs / monthly rent


Studio apartment

30,000 PKR 45,000 PKR 120,000 PKR
MINIMUM AVERAGE MAXIMUM
$110 $160 $430

1-bedroom apartment

45,000 PKR 72,000 PKR 180,000 PKR
MINIMUM AVERAGE MAXIMUM
$160 $260 $650

2-bedroom apartment

60,000 PKR 90,000 PKR 240,000 PKR
MINIMUM AVERAGE MAXIMUM
$220 $320 $860

Housing costs / Buying


Studio apartment

6M PKR 9M PKR 18M PKR
MINIMUM AVERAGE MAXIMUM
$22,000 $32,000 $65,000

1-bedroom apartment

7.2M PKR 12M PKR 45M PKR
MINIMUM AVERAGE MAXIMUM
$26,000 $43,000 $160,000

2-bedroom apartment

12M PKR 36M PKR 72M PKR
MINIMUM AVERAGE MAXIMUM
$43,000 $130,000 $260,000
Chart showing the prices and cost of furniture in Bahawalpur

Furniture Costs


King Size Bed

39,000 PKR 49,000 PKR 65,000 PKR
MINIMUM AVERAGE MAXIMUM
$140 $180 $230

Double Bed

26,000 PKR 39,000 PKR 49,000 PKR
MINIMUM AVERAGE MAXIMUM
$94 $140 $180

Single Bed

23,000 PKR 30,000 PKR 39,000 PKR
MINIMUM AVERAGE MAXIMUM
$83 $110 $140

Living Room

44,000 PKR 56,000 PKR 200,000 PKR
MINIMUM AVERAGE MAXIMUM
$160 $200 $700

Dining Table

20,000 PKR 26,000 PKR 49,000 PKR
MINIMUM AVERAGE MAXIMUM
$70 $94 $180

Sofa or Couch

26,000 PKR 36,000 PKR 78,000 PKR
MINIMUM AVERAGE MAXIMUM
$94 $130 $280
Chart showing the prices and cost of electronic devices and appliances in Bahawalpur

Electronics and House Appliance Costs


TV Set

26,000 PKR 39,000 PKR 78,000 PKR
MINIMUM AVERAGE MAXIMUM
$94 $140 $280

Fridge or Freezer

23,000 PKR 36,000 PKR 49,000 PKR
MINIMUM AVERAGE MAXIMUM
$83 $130 $180

Washing Machine

30,000 PKR 44,000 PKR 78,000 PKR
MINIMUM AVERAGE MAXIMUM
$110 $160 $280

Stove or Cooker

28,000 PKR 36,000 PKR 49,000 PKR
MINIMUM AVERAGE MAXIMUM
$100 $130 $180

Mobile Phone

33,000 PKR 39,000 PKR 56,000 PKR
MINIMUM AVERAGE MAXIMUM
$120 $140 $200

Laptop or Computer

36,000 PKR 44,000 PKR 78,000 PKR
MINIMUM AVERAGE MAXIMUM
$130 $160 $280

Expenditure to Income Ratio in Bahawalpur

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Cost of living and expenditure to income ratio in Bahawalpur

Spending to Income Ratio

85%

79% to 93%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%4%
50% - 60%9%
60% - 70%15%
70% - 80%25%
80% - 90%21%
90% - 100%11%
100% - 110%6%
110% - 120%4%
120% - 130%3%
130% - 140%2%
> 140%2%

Interpretation and Analysis

The average spending-to-salary ratio in Bahawalpur is 85% This means that on average, people spend around 85% of their income for living. According to the distribution table, 15% of the population spend approximately 60% to 70% of their income every month.


How can spending be more than income?

A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.



Individual
76%
Spending-Income-Ratio
71%
83%

Couple
81%
Spending-Income-Ratio
75%
88%

Family
89%
Spending-Income-Ratio
83%
97%
Distribution of monthly cost of living expenses in Bahawalpur

How do people spend their money in Bahawalpur?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.

Housing Expenditure23%

23% of total expenses on average (12% to 31%)

LOW$30   8,400 PKR
AVERAGE$390   110,000 PKR
HIGH$3,900   1.1M PKR
Per Month

People living in Bahawalpur typically spend from 12% to 31% of their total monthly expenditure on housing with 23% being the average. The average spend on housing is 110,000 PKR with expenditure ranging from 8,400 PKR to 1.1M PKR. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utilities, Electricity, Water, Internet, Mobile8%

8% of total expenses on average (5% to 12%)

LOW$5   1,400 PKR
AVERAGE$65   18,000 PKR
HIGH$650   180,000 PKR
Per Month

Utility expenditure like electricity, water, and gas in Bahawalpur ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 18,000 PKR with 1,400 PKR and 180,000 PKR being the upper and lower limits.

Transport, Fuel, Commute7%

7% of total expenses on average (3% to 11%)

LOW$10   2,800 PKR
AVERAGE$130   36,000 PKR
HIGH$1,300   360,000 PKR
Per Month

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 2,800 PKR to 360,000 PKR on commuting with 36,000 PKR being the norm for most people in one month. This means that money spent on transport constitutes about 7% of total spending on average but can go as low as 3% or as high as 11%.

Food and Groceries Cost28%

28% of total expenses on average (20% to 34%)

LOW$25   7,000 PKR
AVERAGE$330   91,000 PKR
HIGH$3,300   910,000 PKR
Per Month

The average outlay on groceries in a month in Bahawalpur is 91,000 PKR. The cost of groceries can range between 7,000 PKR to 910,000 PKR. People spend on average about 28% on food and groceries with upper and lower bounds of 20% and 34% respectively.

Healthcare and Medical Services10%

10% of total expenses on average (5% to 13%)

LOW$7   2,000 PKR
AVERAGE$91   26,000 PKR
HIGH$910   260,000 PKR
Per Month

People in Bahawalpur allocate 5% to 13% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 10%. The range of medical expenses range from 2,000 PKR to 260,000 PKR with 26,000 PKR being the norm.

Leisure and Shopping4%

4% of total expenses on average (2% to 8%)

LOW$4   1,100 PKR
AVERAGE$52   15,000 PKR
HIGH$520   150,000 PKR
Per Month

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 1,100 PKR to 150,000 PKR with 15,000 PKR being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.

Education and Schooling5%

5% of total expenses on average (3% to 11%)

LOW$6   1,700 PKR
AVERAGE$78   22,000 PKR
HIGH$780   220,000 PKR
Per Month

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 22,000 PKR per month with 1,700 PKR being the minimum spent amount and 220,000 PKR being the maximum.

Other Expenses14%

14% of total expenses on average (9% to 21%)

LOW$13   3,600 PKR
AVERAGE$170   47,000 PKR
HIGH$1,700   470,000 PKR
Per Month
Percentage of people who manage to save money from their income every month in Bahawalpur

How much money can you save in Bahawalpur every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.


What percentage of people in Bahawalpur manage to save money from their income every month?


Saving Money
45%
Not Saving
55%

Almost 45% of the surveyed people in Bahawalpur said that they can save some money at the end of each month while 55% said that aren't saving anything.


Percentage of people saving money by population group in Bahawalpur

GroupSaversNon Savers
Singles55%45%
Couples50%50%
Families45%55%

Savings-to-Income Ratio

The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.


Savings to income ratio in Bahawalpur

Saving to Income Ratio

6.8% 13% of income 26%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

8,100 PKR
$29
110,000 PKR
$380
1.1M PKR
$3,800
MINIMUM AVERAGE MAXIMUM

For most people, 6.8% to 26% of their monthly income is what they can allocate to their savings, with 13% being the average. The amount of money that people can save is approximately 110,000 PKR on average with savings ranging from 8,100 PKR to 1.1M PKR.

55% of surveyed singles reported some of their income going to savings while 50% of couples said the same. 45% of families confirmed their ability to save money.


How much money do people actually save in Bahawalpur?

The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.


Singles

Saving to Income Ratio

9.7% 16% of income 28%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

8,100 PKR
$29
73,000 PKR
$260
490,000 PKR
$1,800
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%33%
10% - 20%25%
20% - 30%16%
30% - 40%12%
40% - 50%10%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 9.7% to 28% of their monthly income to savings, with 16% being the average for most singles. The average amount of money that singles are able to save is 73,000 PKR with 8,100 PKR and 490,000 PKR being the minimum and maximum respectively.


Couples

Saving to Income Ratio

7.7% 15% of income 27%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

41,000 PKR
$150
120,000 PKR
$440
650,000 PKR
$2,300
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%37%
10% - 20%27%
20% - 30%19%
30% - 40%7%
40% - 50%7%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 7.7% to 27% of their monthly income, with 15% being the average for most couples. The average amount of money that couples can save is 120,000 PKR with 41,000 PKR and 650,000 PKR being the minimum and maximum respectively.


Families

Saving to Income Ratio

6.8% 13% of income 25%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

57,000 PKR
$200
160,000 PKR
$580
1.1M PKR
$3,800
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%40%
10% - 20%30%
20% - 30%20%
30% - 40%4%
40% - 50%4%
> 50%2%

Interpretation and Analysis

Families in Bahawalpur can save anywhere between 6.8% to 25% of their monthly income, with 13% being the average for most families. The average amount of money that families can put aside is 160,000 PKR with 57,000 PKR and 1.1M PKR being the minimum and maximum respectively.

Reasons that make it difficult for people to save money in Bahawalpur

Saving Challenges in Bahawalpur

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Bahawalpur. Listed below are the answers given by the survey participants.


Reason% People
Low Income5%
High Expenses8%
Debt and Loans13%
Lack of Budgeting Skills12%
Impulsive Spending12%
Financial Emergencies7%
Living the moment5%
Will do it later21%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the people said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 12% blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do people choose to put their savings in Bahawalpur

Typical saving choices for people in Bahawalpur

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold13%
Savings Accounts17%
Retirement Accounts10%
Cash Savings21%
Real Estate9%
Investment5%
Stocks4%
Bonds5%
Mutual Funds2%
Certificates of Deposit3%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Income and cost of living compatibility. Is it affordable or economical to live in Bahawalpur

Affordable living in Bahawalpur

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Bahawalpur?


Yes
42%
No
59%

Around 42% of surveyed residents think that living in Bahawalpur is affordable with proper budgeting while 59% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting. Are there plenty of low-cost options in Bahawalpur

Low-cost alternatives in Bahawalpur

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options49%

Few low-cost options51%


Based on the survey, 49% of the people living in Bahawalpur have no problem finding low-cost alternatives to support a frugal lifestyle while 51% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents of Bahawalpur whether they have an emergency fund and the answers were as follows.

Yes37%

No63%


Based on the survey, 63% of the people living in Bahawalpur said that they don't have an emergency fund while 37% said that they do.

Financial literacy and difficulty in budgeting and financial planning in Bahawalpur

Financial Literacy in Pakistan

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy38%


We asked residents of Pakistan whether they acquired any adequate personal financial training in their lives. Approximately 62% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 38% said that they know about the general principles of personal finance from sources other than their own experience.


Difficulty in Budgeting and Financial Planning

We wanted to understand whether residents of Pakistan have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 67% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 33% said that they have everything under control.

Struggles with finance67%

Easily manages finances33%

Financial goals and targets of people living in Bahawalpur

Financial goals of people in Bahawalpur

In an attempt to understand the economic situation in Bahawalpur, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.


Financial Goal% People
Emergency Fund8%
Debt Reduction44%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing6%
Travel or Lifestyle6%
Healthcare Expenses14%
Financial Independence4%

Around 8% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 44% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Bahawalpur

What does the retirement lifestyle look like in Bahawalpur and how much retirement savings are required?

Retirement age

The retirement age for most employees in Pakistan is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.


The typical saved amount of money you should have at every age as multiples of monthly salary:
AgeAmount
255x monthly salary at age 25
3010x monthly salary at age 30
3515x monthly salary at age 35
4025x monthly salary at age 40
4532x monthly salary at age 45
5048x monthly salary at age 50
5556x monthly salary at age 55
6064x monthly salary at age 60
6578x monthly salary at age 65

The typical average saved amount of money you should have at every age in Bahawalpur:
AgeAmount
25940,000 PKR
301.9M PKR
353.3M PKR
404.7M PKR
457.1M PKR
509.9M PKR
5512M PKR
6015M PKR
6517M PKR

Retirement Income Distribution

We asked residents of Bahawalpur about their retirement income sources and below are the results.

Source% People
Pensions12%
Savings23%
Investments12%
Social Security7%
Annuities7%
Part-time Job15%
Real Estate18%
Dividends and Interest7%

Retirement Monthly Expenses in Bahawalpur

21,000 PKR
$74
190,000 PKR
$670
1.2M PKR
$4,500
MINIMUM AVERAGE MAXIMUM
Chart showing the percentage of people who are in debt in Bahawalpur

Debt, loans, and mortgages in Bahawalpur


Percentage of people who are in debt


In Debt
36%
Debt Free
64%

According to the survey, 36% of the people in Bahawalpur have some kind of debt, loan, mortgage, or credit card payments while 64% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Bahawalpur

Debt-to-income ratio in Bahawalpur

Debt to income ratio

32%

24% to 40%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 32% of the people's monthly income in Bahawalpur goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%19%
40% - 50%15%
30% - 40%17%
20% - 30%10%
10% - 20%11%
0% - 10%25%

According to our data, 3% of the debtors in Bahawalpur pay 60%+ of their income as debt settlement while 19% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Bahawalpur

Debt% People
Real Estate Mortgage8%
Auto Loan14%
Student Loan4%
Credit Card30%
Personal Loan44%

8% of debtors in Bahawalpur confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 14% of people and personal loans rose at 44%. Lastly, student loans are the main source of debt for 4% of debtors in Bahawalpur.


About credit score and debt management

Managing debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.


Loan Affordability Index in Bahawalpur

Besides measuring the loan-to-income ratio, we asked residents of Bahawalpur how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Frequency% People
Never50%
Once a year24%
Twice a year13%
Three times a year9%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Bahawalpur

Housing costs, accommodation, and housing affordability in Bahawalpur

Rental costs and house/apartment prices can vary drastically between different areas and locations.


Rent Cost in Bahawalpur

Monthly Rent Prices

Studio apartment monthly rent cost

30,000 PKR 45,000 PKR 120,000 PKR
MINIMUM AVERAGE MAXIMUM
$110 $160 $430

1-bedroom apartment monthly rent cost

45,000 PKR 72,000 PKR 180,000 PKR
MINIMUM AVERAGE MAXIMUM
$160 $260 $650

2-bedroom apartment monthly rent cost

60,000 PKR 90,000 PKR 240,000 PKR
MINIMUM AVERAGE MAXIMUM
$220 $320 $860

3-bedroom apartment monthly rent cost

72,000 PKR 120,000 PKR 330,000 PKR
MINIMUM AVERAGE MAXIMUM
$260 $430 $1,200

Furnished apartment monthly rent cost

140,000 PKR 360,000 PKR 720,000 PKR
MINIMUM AVERAGE MAXIMUM
$520 $1,300 $2,600

Townhouse monthly rent cost

120,000 PKR 180,000 PKR 520,000 PKR
MINIMUM AVERAGE MAXIMUM
$430 $650 $1,900

House monthly rent cost

140,000 PKR 360,000 PKR 720,000 PKR
MINIMUM AVERAGE MAXIMUM
$520 $1,300 $2,600

Villa monthly rent cost

180,000 PKR 450,000 PKR 720,000 PKR
MINIMUM AVERAGE MAXIMUM
$650 $1,600 $2,600

The monthly rental cost of a studio apartment in Bahawalpur ranges between 30,000 PKR and 120,000 PKR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 45,000 PKR to 180,000 PKR. Two-bedroom rentals rate ranges between 60,000 PKR and 240,000 PKR per month. The monthly rental for a three-bedroom apartment ranges from 72,000 PKR to 330,000 PKR. The average rent of a townhouse in Bahawalpur is around 180,000 PKR while house rental costs can be as high as 360,000 PKR per month. Finally, if you want to rent a villa, expect to pay anywhere from 180,000 PKR to 720,000 PKR per month.



Apartment and house prices in Bahawalpur

Cost of buying a property

Studio apartment price

6M PKR 9M PKR 18M PKR
MINIMUM AVERAGE MAXIMUM
$22,000 $32,000 $65,000

1-bedroom apartment price

7.2M PKR 12M PKR 45M PKR
MINIMUM AVERAGE MAXIMUM
$26,000 $43,000 $160,000

2-bedroom apartment price

12M PKR 36M PKR 72M PKR
MINIMUM AVERAGE MAXIMUM
$43,000 $130,000 $260,000

3-bedroom apartment price

40M PKR 60M PKR 180M PKR
MINIMUM AVERAGE MAXIMUM
$140,000 $220,000 $650,000

Townhouse price

52M PKR 120M PKR 450M PKR
MINIMUM AVERAGE MAXIMUM
$190,000 $430,000 $1.6M

House price

60M PKR 360M PKR 520M PKR
MINIMUM AVERAGE MAXIMUM
$220,000 $1.3M $1.9M

Villa price

72M PKR 400M PKR 600M PKR
MINIMUM AVERAGE MAXIMUM
$260,000 $1.4M $2.2M

The average price of a studio apartment in Bahawalpur can range from 6M PKR to 18M PKR depending on location. One bedroom cost can be anywhere from 7.2M PKR to 45M PKR. A villa can cost you 400M PKR on average with prices ranging from 72M PKR to 600M PKR.


If you're leasing or purchasing, housing costs in Bahawalpur will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.

House / apartment prices to income ratio


Property price to income ratio

( average property price / average monthly income ) x 100


27 x74 monthly income 179
MINIMUM AVERAGE MAXIMUM

Property prices in Bahawalpur can be x74 to x179 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x74 multiples of the average monthly salary in Bahawalpur.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


17% 27% of income 37%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Bahawalpur is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 17% to 37% depending on the salary, location, and type of property.


The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Housing Affordability Index
25%

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.


FROM
1.9%
AVERAGE
2.9%
TO
4%

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.


560 PKR 7,300 PKR 73,000 PKR
MINIMUM AVERAGE MAXIMUM

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Bahawalpur

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Bahawalpur

Utility Bill Cost / Electricity + Water + Gas / Individual

2,100 PKR 15,000 PKR 100,000 PKR
MINIMUM AVERAGE MAXIMUM
$7.6 $54 $360

Utility Bill Cost / Electricity + Water + Gas / Couple

5,600 PKR 19,000 PKR 120,000 PKR
MINIMUM AVERAGE MAXIMUM
$20 $68 $440

Utility Bill Cost / Electricity + Water + Gas / Family

9,800 PKR 28,000 PKR 180,000 PKR
MINIMUM AVERAGE MAXIMUM
$35 $100 $650

Internet and cable cost

2,000 PKR 3,900 PKR 5,200 PKR
MINIMUM AVERAGE MAXIMUM
$7 $14 $19

Mobile phone bill and charges

1,600 PKR 2,600 PKR 7,800 PKR
MINIMUM AVERAGE MAXIMUM
$5.6 $9.4 $28

Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.


The average monthly expenditure for individuals on electricty, water, and gas in Bahawalpur ranges between 2,100 PKR and 100,000 PKR with average being 15,000 PKR, meanwhile the expenditure of couples is slightly higher at 19,000 PKR with 5,600 PKR and 120,000 PKR being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 28,000 PKR. The cost of internet and WiFi is unchanged among the three groups and ranges from 2,000 PKR to 5,200 PKR with 3,900 PKR being the average internet bill. Finally, the average monthly mobile charges is around 2,600 PKR but can range between 1,600 PKR and 7,800 PKR depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


3.9% 6.8% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Bahawalpur is around 6.8%. This means that people pay 6.8% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.9% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Bahawalpur

Grocery / Food expenditure and prices can vary drastically between different areas and locations.


Prices and cost of goods and services in Bahawalpur

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

390 PKR 780 PKR 1,300 PKR
MINIMUM AVERAGE MAXIMUM
$1.4 $2.8 $4.7

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Bahawalpur is approximatly 780 PKR with meal cost ranging from 390 PKR to 1,300 PKR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

1,300 PKR 1,900 PKR 3,800 PKR
MINIMUM AVERAGE MAXIMUM
$4.5 $6.7 $13

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 1,300 PKR and 3,800 PKR with 1,900 PKR being the average price of a plate for one person at a regular restaurant in Bahawalpur.

Fine dining meal for one price

2,500 PKR 3,800 PKR 15,000 PKR
MINIMUM AVERAGE MAXIMUM
$9 $13 $54

The price range of a meal at fine-dining restaurant is 2,500 PKR to 15,000 PKR with the average cost being 3,800 PKR for one person. This is what you would expect to pay a top-tier diner in Bahawalpur.

Beverage prices, cappuccino, latte etc..

330 PKR 520 PKR 780 PKR
MINIMUM AVERAGE MAXIMUM
$1.2 $1.9 $2.8

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Bahawalpur is around 520 PKR. Price ranges between 330 PKR and 780 PKR depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

260 PKR 310 PKR 390 PKR
MINIMUM AVERAGE MAXIMUM
$0.94 $1.1 $1.4

The average price of a large bottle of milk in Bahawalpur is 310 PKR. The maximum what you would pay for milk is 390 PKR and the minimum being 260 PKR depending on the brand of milk and other properties.

12 eggs price

200 PKR 260 PKR 390 PKR
MINIMUM AVERAGE MAXIMUM
$0.70 $0.94 $1.4

A dozen eggs costs around 260 PKR on average with 200 PKR and 390 PKR being the lower and upper limits respectively.

Fresh whole chicken price

450 PKR 580 PKR 820 PKR
MINIMUM AVERAGE MAXIMUM
$1.6 $2.1 $2.9

The price range of a fresh whole chicken in Bahawalpur is between 450 PKR and 820 PKR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 580 PKR.

Pack of beef price

520 PKR 780 PKR 1,600 PKR
MINIMUM AVERAGE MAXIMUM
$1.9 $2.8 $5.6

The price of a regular pack of beef or meat is around 780 PKR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

210 PKR 290 PKR 410 PKR
MINIMUM AVERAGE MAXIMUM
$0.75 $1 $1.5

A bag of rice in Bahawalpur costs around 290 PKR on average with prices rangeing between 210 PKR and 410 PKR depending on the brand and quality.

Bag of tomatos price

78 PKR 100 PKR 200 PKR
MINIMUM AVERAGE MAXIMUM
$0.28 $0.37 $0.70

A bag of tomatoes costs anywhere from 78 PKR to 200 PKR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

140 PKR 180 PKR 300 PKR
MINIMUM AVERAGE MAXIMUM
$0.50 $0.66 $1.1

A bag of apples costs 180 PKR on average. A bag of apples denotes 1Kg or 1lb depending on location.


Grocery and food expenditure to income ratio


( monthly grocery expenses / monthly income ) x 100


19% 27% of income 33%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Bahawalpur is around 27%. This means that people spend 27% of their income on grocery and basic household items. The expenditure can range from 19% to 33% depending on salary and location.


Expenditure on food and grocery for every population group

A single person living alone spends approximately 40,000 PKR per month on grocery and food with expenditure fluctuating between 5,600 PKR and 270,000 PKR depending on location and the type of person. The average cost of food and groceries for a couple is around 59,000 PKR per month. That number can be get as low as 20,000 PKR or a high as 310,000 PKR. Families' spending on grocery ranges from 35,000 PKR to 660,000 PKR with the location, income, and size of the family being the most determinite factors.


Single
Spending habits, consumption analysis, and expenditure patterns for a single person living in Bahawalpur

Housing cost for a single person29%

29% of total expenses on average (17% to 41%)

LOW$45   13,000 PKR
AVERAGE$330   91,000 PKR
HIGH$2,200   610,000 PKR
Per Month

Utilities, Electricity, Water, Internet, Mobile9%

9% of total expenses on average (5% to 14%)

LOW$7.6   2,100 PKR
AVERAGE$54   15,000 PKR
HIGH$360   100,000 PKR
Per Month

Transport and Fuel Cost5%

5% of total expenses on average (3% to 11%)

LOW$10   2,800 PKR
AVERAGE$72   20,000 PKR
HIGH$480   130,000 PKR
Per Month

Food and Groceries Cost19%

19% of total expenses on average (13% to 24%)

LOW$20   5,600 PKR
AVERAGE$140   40,000 PKR
HIGH$960   270,000 PKR
Per Month

Healthcare Cost12%

12% of total expenses on average (6% to 16%)

LOW$11   3,200 PKR
AVERAGE$81   23,000 PKR
HIGH$540   150,000 PKR
Per Month

Leisure and Shopping Expenditure2%

2% of total expenses on average (2% to 5%)

LOW$6.3   1,800 PKR
AVERAGE$45   13,000 PKR
HIGH$300   84,000 PKR
Per Month

Education Cost1%

1% of total expenses on average (0.00% to 3%)

LOW$2.5   710 PKR
AVERAGE$18   5,000 PKR
HIGH$120   34,000 PKR
Per Month

Other Expenses22%

22% of total expenses on average (14% to 26%)

LOW$23   6,300 PKR
AVERAGE$160   45,000 PKR
HIGH$1,100   300,000 PKR
Per Month


Couple
Average monthly living expenditure breaks and spending patterns for couples in Bahawalpur

Housing cost for a couple26%

26% of total expenses on average (19% to 36%)

LOW$170   48,000 PKR
AVERAGE$510   140,000 PKR
HIGH$2,700   760,000 PKR
Per Month

Utilities, Electricity, Water, Internet, Mobile8%

8% of total expenses on average (6% to 12%)

LOW$20   5,600 PKR
AVERAGE$68   19,000 PKR
HIGH$440   120,000 PKR
Per Month

Transport and Fuel Cost9%

9% of total expenses on average (3% to 14%)

LOW$60   17,000 PKR
AVERAGE$180   50,000 PKR
HIGH$960   270,000 PKR
Per Month

Food and Groceries Cost17%

17% of total expenses on average (12% to 22%)

LOW$70   20,000 PKR
AVERAGE$210   59,000 PKR
HIGH$1,100   310,000 PKR
Per Month

Healthcare Cost14%

14% of total expenses on average (8% to 18%)

LOW$55   15,000 PKR
AVERAGE$170   46,000 PKR
HIGH$880   250,000 PKR
Per Month

Leisure and Shopping Cost3%

3% of total expenses on average (1% to 6%)

LOW$30   8,400 PKR
AVERAGE$90   25,000 PKR
HIGH$480   130,000 PKR
Per Month

Education Cost1%

1% of total expenses on average (0.00% to 3%)

LOW$10   2,800 PKR
AVERAGE$30   8,400 PKR
HIGH$160   45,000 PKR
Per Month

Other Expenses21%

21% of total expenses on average (15% to 27%)

LOW$85   24,000 PKR
AVERAGE$260   71,000 PKR
HIGH$1,400   380,000 PKR
Per Month


Family
Average monthly expenses and break out of spending for families living in Bahawalpur

Housing cost for a family25%

25% of total expenses on average (20% to 35%)

LOW$220   63,000 PKR
AVERAGE$640   180,000 PKR
HIGH$4,200   1.2M PKR
Per Month

Utilities, Electricity, Water, Internet, Mobile6%

6% of total expenses on average (4% to 9%)

LOW$35   9,800 PKR
AVERAGE$100   28,000 PKR
HIGH$650   180,000 PKR
Per Month

Transport and Fuel Expenses5%

5% of total expenses on average (3% to 7%)

LOW$70   20,000 PKR
AVERAGE$200   56,000 PKR
HIGH$1,300   360,000 PKR
Per Month

Food and Groceries Cost21%

21% of total expenses on average (14% to 27%)

LOW$130   35,000 PKR
AVERAGE$360   100,000 PKR
HIGH$2,300   660,000 PKR
Per Month

Healthcare Expenses11%

11% of total expenses on average (7% to 16%)

LOW$63   18,000 PKR
AVERAGE$200   56,000 PKR
HIGH$1,000   290,000 PKR
Per Month

Leisure and Shopping Cost2%

2% of total expenses on average (1% to 6%)

LOW$35   9,800 PKR
AVERAGE$100   28,000 PKR
HIGH$650   180,000 PKR
Per Month

Education Cost13%

13% of total expenses on average (6% to 21%)

LOW$98   27,000 PKR
AVERAGE$280   79,000 PKR
HIGH$1,800   510,000 PKR
Per Month

Other Expenses16%

16% of total expenses on average (9% to 21%)

LOW$56   16,000 PKR
AVERAGE$160   45,000 PKR
HIGH$1,000   290,000 PKR
Per Month


Student
Cost of living and expenses break down for students living in Bahawalpur

Housing costs for Student17%

17% of total expenses on average (12% to 23%)

LOW$24   6,700 PKR
AVERAGE$160   45,000 PKR
HIGH$1,100   300,000 PKR
Per Month

Utilities, Electricity, Water, Internet, and Mobile Expenses7%

7% of total expenses on average (5% to 11%)

LOW$4   1,100 PKR
AVERAGE$27   7,500 PKR
HIGH$180   50,000 PKR
Per Month

Transport and Fuel Cost4%

4% of total expenses on average (4% to 10%)

LOW$7   2,000 PKR
AVERAGE$47   13,000 PKR
HIGH$310   87,000 PKR
Per Month

Food and Groceries Expenditure23%

23% of total expenses on average (17% to 27%)

LOW$20   5,600 PKR
AVERAGE$130   37,000 PKR
HIGH$890   250,000 PKR
Per Month

Healthcare Cost9%

9% of total expenses on average (6% to 12%)

LOW$6   1,700 PKR
AVERAGE$40   11,000 PKR
HIGH$270   75,000 PKR
Per Month

Leisure and Shopping Cost2%

2% of total expenses on average (2% to 6%)

LOW$5   1,400 PKR
AVERAGE$34   9,400 PKR
HIGH$220   62,000 PKR
Per Month

Education Cost18%

18% of total expenses on average (11% to 23%)

LOW$19   5,300 PKR
AVERAGE$130   36,000 PKR
HIGH$850   240,000 PKR
Per Month

Other Expenses19%

19% of total expenses on average (13% to 25%)

LOW$15   4,200 PKR
AVERAGE$100   28,000 PKR
HIGH$670   190,000 PKR
Per Month
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