Cost Of Living For a Family in Hyderabad 2025

Average monthly spending for families in Hyderabad

We consider a family to be a member of four members, two adults and two children. This is the most common type of family. From the figures below, it should be fairly easy to calculate the average spending for families of different sizes.

How much money does a family need in a month to survive in Hyderabad?

Families in Hyderabad spend around 540,000 PKR per month on average. Depending on the lifestyle, a family can survive with a monthly budget as low as 190,000 PKR or as high as 3.5M PKR. Location and income are very important factors and have a huge influence on expenditure and budget.

Family expenditure to income ratio in Hyderabad

Analysing the how affordable it is for families to live in Hyderabad

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. Families usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a family of four ranges between 70% to 80%.

Families in Hyderabad spend around 86% of their monthly income. Some families spend as low as 81% of their income while some as high as 94%.

How do families spend their money in Hyderabad?

We asked thousands of families about their spending habits and expenditure break down.

Housing and accomodation expenditure for families

Families in Hyderabad typically spend from 18% to 33% of their total monthly expenditure on housing with 23% being the average. The average monthly spend on housing is 170,000 PKR with expenditure ranging from 61,000 PKR to 1.1M PKR. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for families

Utility expenditure like electricity, water, and gas in Hyderabad ranges from 4% to 9% of total expenses with 6% being the average for most families. The average monthly cost of utilities is 27,000 PKR with 9,500 PKR and 180,000 PKR being the upper and lower limits for a family of four.

Transport, fuel, and commute expenditure for families

Fuel consumption and cost of transport depend heavily on whether a family resides near school and work, but roughly speaking a family would expect to spend from 19,000 PKR to 350,000 PKR in a month on commuting with 54,000 PKR being the norm for most families. This means that money spent on transport constitutes about 4% of total spending on average but can go as low as 2% or as high as 6%.

Food, groceries, and basic shopping expenditure for families

The average outlay on groceries and basic houshold items for a typical family in a month in Hyderabad is 98,000 PKR. The cost of groceries can range between 34,000 PKR to 640,000 PKR. Families spend on average about 22% on food and groceries with upper and lower bounds of 15% and 28% respectively.

Healthcare and medical services expenditure for families

Families in Hyderabad allocate 8% to 17% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 12%. The range of medical expenses range from 17,000 PKR to 280,000 PKR with 54,000 PKR being the norm for most families.

Leisure and shopping expenditure for families

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 9,500 PKR to 180,000 PKR with 27,000 PKR being the average. Speaking of percentages, that equates to 0.00% to 6% of total expenses with an average of 2% for most families.

Education and schooling expenditure for families

Spending on education can vary drastically between different families. On average, education constitutes 13% of the monthly expenditure of families with 6% and 21% being the lower and upper bounds respectively. The average reported education cost is 76,000 PKR per month with 27,000 PKR being the minimum spent amount and 490,000 PKR being the maximum.

What percentage of families in Hyderabad are able to save money and how much can they save?

Percentage of families that reported their ability to save money

Almost 44% of surveyed families in Hyderabad said that they can save some money at the end of each month while 56% reported that they have to utilize their whole income to survive.

How much money do families manage to add to their savings?

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families that are able to save money can put anywhere from 6.5% to 24% of their monthly income to their savings, with 12% being the average for most families. The average monthly amount of money that families can put aside is 160,000 PKR with 55,000 PKR and 1M PKR being the minimum and maximum respectively.

Saving Challenges in Hyderabad

Reasons that make it difficult for families to save money

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

Around 4% of the families said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 10% 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. 13% of families blamed impulsive spending as the reason for saving inability. Around 8% 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. 23% 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. 15% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 2% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 1% blamed market instability and price fluctuations.

Typical saving choices for families in Hyderabad

Where do people choose to put their savings?

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

Affordable living in Hyderabad

Income and cost of living compatibility

We asked families one simple question and recorded their answers.

Is it affordable or economical to live in Hyderabad?

Around 40% of surveyed families think that living in Hyderabad is affordable with proper budgeting while 60% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Hyderabad

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 families how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options48%

Few low-cost options52%

Based on the survey, 48% of the families living in Hyderabad have no problem finding low-cost alternatives to support a frugal lifestyle while 52% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Families

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 families of Hyderabad whether they have an emergency fund and the answers were as follows.

Yes36%

No65%

Based on the survey, 65% of the families living in Hyderabad said that they don't have an emergency fund while 36% said that they do.

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 family guardians and parents in Hyderabad 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 families 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 of families in Hyderabad

In an attempt to understand the economic situation in Hyderabad, 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.

Around 9% of families said that their main goal is to establish an emergency fund to cover unexpected expenses while 49% said their number one priority is to pay off high-interest debt or loans and improve credit. 12% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% choose to buy a home or pay off existing mortgage before other things. 5% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 4% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 17% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Debt, loans, and mortgages in Hyderabad

Percentage of families who are in debt

According to the survey, 35% of the families in Hyderabad have some kind of debt, loan, mortgage, or credit card payments while 65% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Hyderabad

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 31% of a family's monthly income in Hyderabad goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 4% of the debtors in Hyderabad pay 60%+ of their income as debt settlement while 22% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 17% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 19% dedicated 30% to 40% of income for same. Things are looking brighter for 7% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Hyderabad

5% of debtors in Hyderabad confirm that real estate mortgages constitutes the main part of their outstanding debt while 33% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 10% of people and personal loans rose at 47%. Lastly, student loans are the main source of debt for 5% of debtors in Hyderabad.

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 Hyderabad

Besides measuring the loan-to-income ratio, we asked families of Hyderabad 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.

Housing costs, accommodation, and housing affordability in Hyderabad

Rent Cost in Hyderabad

Monthly Rent Prices

Studio apartment monthly rent cost

29,000 PKR

44,000 PKR

120,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$100

$160

$420

1-bedroom apartment monthly rent cost

44,000 PKR

70,000 PKR

180,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$160

$250

$630

2-bedroom apartment monthly rent cost

58,000 PKR

88,000 PKR

230,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$210

$310

$840

3-bedroom apartment monthly rent cost

70,000 PKR

120,000 PKR

320,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$250

$420

$1,100

Furnished apartment monthly rent cost

140,000 PKR

350,000 PKR

700,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$500

$1,300

$2,500

Townhouse monthly rent cost

120,000 PKR

180,000 PKR

500,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$420

$630

$1,800

House monthly rent cost

140,000 PKR

350,000 PKR

700,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$500

$1,300

$2,500

Villa monthly rent cost

180,000 PKR

440,000 PKR

700,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$630

$1,600

$2,500

The monthly rental cost of a studio apartment in Hyderabad ranges between 29,000 PKR and 120,000 PKR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 44,000 PKR to 180,000 PKR. Two-bedroom rentals rate ranges between 58,000 PKR and 230,000 PKR per month. The monthly rental for a three-bedroom apartment ranges from 70,000 PKR to 320,000 PKR. The average rent of a townhouse in Hyderabad is around 180,000 PKR while house rental costs can be as high as 350,000 PKR per month. Finally, if you want to rent a villa, expect to pay anywhere from 180,000 PKR to 700,000 PKR per month.

Apartment and house prices in Hyderabad

Cost of buying a property

Studio apartment price

5.8M PKR

8.8M PKR

18M PKR

MINIMUM

AVERAGE

MAXIMUM

$21,000

$31,000

$63,000

1-bedroom apartment price

7M PKR

12M PKR

44M PKR

MINIMUM

AVERAGE

MAXIMUM

$25,000

$42,000

$160,000

2-bedroom apartment price

12M PKR

35M PKR

70M PKR

MINIMUM

AVERAGE

MAXIMUM

$42,000

$130,000

$250,000

3-bedroom apartment price

39M PKR

58M PKR

180M PKR

MINIMUM

AVERAGE

MAXIMUM

$140,000

$210,000

$630,000

Townhouse price

50M PKR

120M PKR

440M PKR

MINIMUM

AVERAGE

MAXIMUM

$180,000

$420,000

$1.6M

House price

58M PKR

350M PKR

500M PKR

MINIMUM

AVERAGE

MAXIMUM

$210,000

$1.3M

$1.8M

Villa price

70M PKR

390M PKR

580M PKR

MINIMUM

AVERAGE

MAXIMUM

$250,000

$1.4M

$2.1M

The average price of a studio apartment in Hyderabad can range from 5.8M PKR to 18M PKR depending on location. One bedroom cost can be anywhere from 7M PKR to 44M PKR. A villa can cost you 390M PKR on average with prices ranging from 70M PKR to 580M PKR.

House / apartment prices to income ratio

Property prices in Hyderabad can be x72 to x174 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x72 multiples of the average monthly salary in Hyderabad.

Rent to income ratio

The average rent-to-income ratio in Hyderabad is around 26%. This means that people pay 26% of their income for rent. Those figures can range from 17% to 36% depending on the salary, location, and type of property.

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.

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.

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.

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 Hyderabad

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

Utility Bill Cost / Electricity + Water + Gas / Family

9,500 PKR

27,000 PKR

180,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$34

$97

$630

Internet and cable cost

1,800 PKR

3,600 PKR

4,800 PKR

MINIMUM

AVERAGE

MAXIMUM

$6.4

$13

$17

Mobile phone bill and charges

1,400 PKR

2,400 PKR

7,200 PKR

MINIMUM

AVERAGE

MAXIMUM

$5.1

$8.5

$26

The average monthly energy and water consumption of families is around 27,000 PKR. The cost of internet and WiFi ranges from 1,800 PKR to 4,800 PKR with 3,600 PKR being the average internet bill. Finally, the average monthly mobile charges is around 2,400 PKR but can range between 1,400 PKR and 7,200 PKR depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Hyderabad is around 6.5%. This means that people pay 6.5% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.7% to 10% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Hyderabad

Prices and cost of goods and services in Hyderabad

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

Fast food combo meal price

360 PKR

720 PKR

1,200 PKR

MINIMUM

AVERAGE

MAXIMUM

$1.3

$2.6

$4.3

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Hyderabad is approximatly 720 PKR with meal cost ranging from 360 PKR to 1,200 PKR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

1,200 PKR

1,800 PKR

3,500 PKR

MINIMUM

AVERAGE

MAXIMUM

$4.2

$6.3

$13

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 1,200 PKR and 3,500 PKR with 1,800 PKR being the average price of a plate for one person at a regular restaurant in Hyderabad.

Fine dining meal for one price

2,400 PKR

3,500 PKR

14,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$8.5

$13

$51

The price range of a meal at fine-dining restaurant is 2,400 PKR to 14,000 PKR with the average cost being 3,500 PKR for one person. This is what you would expect to pay a top-tier diner in Hyderabad.

Beverage prices, cappuccino, latte etc..

300 PKR

480 PKR

720 PKR

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.7

$2.6

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Hyderabad is around 480 PKR. Price ranges between 300 PKR and 720 PKR depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

240 PKR

290 PKR

360 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.85

$1

$1.3

The average price of a large bottle of milk in Hyderabad is 290 PKR. The maximum what you would pay for milk is 360 PKR and the minimum being 240 PKR depending on the brand of milk and other properties.

12 eggs price

180 PKR

240 PKR

360 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.64

$0.85

$1.3

A dozen eggs costs around 240 PKR on average with 180 PKR and 360 PKR being the lower and upper limits respectively.

Fresh whole chicken price

410 PKR

530 PKR

750 PKR

MINIMUM

AVERAGE

MAXIMUM

$1.5

$1.9

$2.7

The price range of a fresh whole chicken in Hyderabad is between 410 PKR and 750 PKR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 530 PKR.

Pack of beef price

480 PKR

720 PKR

1,400 PKR

MINIMUM

AVERAGE

MAXIMUM

$1.7

$2.6

$5.1

The price of a regular pack of beef or meat is around 720 PKR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

190 PKR

260 PKR

370 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.69

$0.94

$1.3

A bag of rice in Hyderabad costs around 260 PKR on average with prices rangeing between 190 PKR and 370 PKR depending on the brand and quality.

Bag of tomatos price

72 PKR

96 PKR

180 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.26

$0.34

$0.64

A bag of tomatoes costs anywhere from 72 PKR to 180 PKR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

130 PKR

170 PKR

280 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.46

$0.60

$0.99

A bag of apples costs 170 PKR on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Hyderabad is around 26%. This means that families spend 26% of their income on grocery and basic household items. The expenditure can range from 19% to 32% depending on salary and location.

Expenditure on food and grocery for families