Cost Of Living in Hyderabad 2025

cost of living chart - average monthly expenditure in Hyderabad

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

Whether you're living in Hyderabad 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
27,000 270,000 4.1M
MINIMUM AVERAGE MAXIMUM
$98 $980 $15,000

Monthly Expenditure ▶ Single

Currency: PKR
34,000 240,000 2.7M
MINIMUM AVERAGE MAXIMUM
$120 $870 $9,700

Monthly Expenditure ▶ Couple

Currency: PKR
54,000 350,000 3.2M
MINIMUM AVERAGE MAXIMUM
$190 $1,300 $12,000

Monthly Expenditure ▶ Family

Currency: PKR
81,000 400,000 4M
MINIMUM AVERAGE MAXIMUM
$290 $1,400 $14,000

Monthly Expenditure ▶ Student

Currency: PKR
27,000 180,000 2M
MINIMUM AVERAGE MAXIMUM
$98 $650 $7,200

Prices and cost of goods and services in Hyderabad

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

Dining, food, and beverages costs


Fast food combo meal

360 PKR 730 PKR 1,200 PKR
MINIMUM AVERAGE MAXIMUM
$1.3 $2.6 $4.3

Restaurant meal for one

1,200 PKR 1,800 PKR 3,600 PKR
MINIMUM AVERAGE MAXIMUM
$4.3 $6.4 $13

Fine dining meal for one

2,400 PKR 3,600 PKR 15,000 PKR
MINIMUM AVERAGE MAXIMUM
$8.7 $13 $52

Cappuccino or latte

300 PKR 480 PKR 720 PKR
MINIMUM AVERAGE MAXIMUM
$1.1 $1.7 $2.6

Grocery and market costs


Milk large bottle

240 PKR 290 PKR 360 PKR
MINIMUM AVERAGE MAXIMUM
$0.86 $1 $1.3

12 eggs

180 PKR 240 PKR 360 PKR
MINIMUM AVERAGE MAXIMUM
$0.65 $0.87 $1.3

Fresh whole chicken

410 PKR 530 PKR 750 PKR
MINIMUM AVERAGE MAXIMUM
$1.5 $1.9 $2.7

Pack of beef

480 PKR 710 PKR 1,400 PKR
MINIMUM AVERAGE MAXIMUM
$1.7 $2.6 $5.1

Medium bag of rice

200 PKR 270 PKR 380 PKR
MINIMUM AVERAGE MAXIMUM
$0.70 $0.96 $1.4

Bag of tomatos

72 PKR 97 PKR 180 PKR
MINIMUM AVERAGE MAXIMUM
$0.26 $0.35 $0.65

Bag of apples

130 PKR 170 PKR 280 PKR
MINIMUM AVERAGE MAXIMUM
$0.46 $0.60 $0.99
Chart showing the prices and cost of commute, travel, and transportation in Hyderabad

Commute, travel, and transportation costs


20 minutes taxi ride

300 PKR 360 PKR 720 PKR
MINIMUM AVERAGE MAXIMUM
$1.1 $1.3 $2.6

Average car full tank

1,800 PKR 2,400 PKR 4,800 PKR
MINIMUM AVERAGE MAXIMUM
$6.5 $8.6 $17

Average car 1-day rental

1,800 PKR 2,500 PKR 3,700 PKR
MINIMUM AVERAGE MAXIMUM
$6.6 $8.8 $13

Average car price

910,000 PKR 1.8M PKR 2.4M PKR
MINIMUM AVERAGE MAXIMUM
$3,300 $6,500 $8,700

Bus ticket one way

61 PKR 92 PKR 180 PKR
MINIMUM AVERAGE MAXIMUM
$0.22 $0.33 $0.66

Car Service

2,400 PKR 3,600 PKR 7,300 PKR
MINIMUM AVERAGE MAXIMUM
$8.7 $13 $26
Chart showing the prices and cost of utility, energy, water, and gas in Hyderabad

Utility cost (monthly)


Utility Bill - Individual

2,100 PKR 15,000 PKR 170,000 PKR
MINIMUM AVERAGE MAXIMUM
$7.6 $54 $600

Utility Bill - Couple

2,200 PKR 16,000 PKR 180,000 PKR
MINIMUM AVERAGE MAXIMUM
$8 $59 $660

Utility Bill - Family

4,200 PKR 21,000 PKR 210,000 PKR
MINIMUM AVERAGE MAXIMUM
$15 $75 $750

Internet and cable

1,800 PKR 3,600 PKR 4,800 PKR
MINIMUM AVERAGE MAXIMUM
$6.4 $13 $17

Mobile phone charges

1,500 PKR 2,500 PKR 7,500 PKR
MINIMUM AVERAGE MAXIMUM
$5.4 $8.9 $27

Leisure and activities costs


Movie ticket

930 PKR 1,200 PKR 1,900 PKR
MINIMUM AVERAGE MAXIMUM
$3.3 $4.4 $6.6

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 Hyderabad

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 2,700 PKR 8,900 PKR
MINIMUM AVERAGE MAXIMUM
$7.1 $9.8 $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 2,200 PKR 12,000 PKR
MINIMUM AVERAGE MAXIMUM
$6.4 $8 $43

Regular t-shirt

890 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 Hyderabad

Housing costs / monthly rent


Studio apartment

29,000 PKR 44,000 PKR 120,000 PKR
MINIMUM AVERAGE MAXIMUM
$100 $160 $420

1-bedroom apartment

44,000 PKR 70,000 PKR 170,000 PKR
MINIMUM AVERAGE MAXIMUM
$160 $250 $630

2-bedroom apartment

58,000 PKR 87,000 PKR 230,000 PKR
MINIMUM AVERAGE MAXIMUM
$210 $310 $830

Housing costs / Buying


Studio apartment

5.8M PKR 8.7M PKR 17M PKR
MINIMUM AVERAGE MAXIMUM
$21,000 $31,000 $62,000

1-bedroom apartment

6.9M PKR 12M PKR 43M PKR
MINIMUM AVERAGE MAXIMUM
$25,000 $41,000 $160,000

2-bedroom apartment

12M PKR 35M PKR 70M PKR
MINIMUM AVERAGE MAXIMUM
$42,000 $130,000 $250,000
Chart showing the prices and cost of furniture in Hyderabad

Furniture Costs


King Size Bed

36,000 PKR 45,000 PKR 61,000 PKR
MINIMUM AVERAGE MAXIMUM
$130 $160 $220

Double Bed

24,000 PKR 36,000 PKR 45,000 PKR
MINIMUM AVERAGE MAXIMUM
$86 $130 $160

Single Bed

21,000 PKR 28,000 PKR 36,000 PKR
MINIMUM AVERAGE MAXIMUM
$76 $99 $130

Living Room

40,000 PKR 51,000 PKR 180,000 PKR
MINIMUM AVERAGE MAXIMUM
$140 $180 $640

Dining Table

18,000 PKR 24,000 PKR 45,000 PKR
MINIMUM AVERAGE MAXIMUM
$65 $87 $160

Sofa or Couch

24,000 PKR 33,000 PKR 72,000 PKR
MINIMUM AVERAGE MAXIMUM
$86 $120 $260
Chart showing the prices and cost of electronic devices and appliances in Hyderabad

Electronics and House Appliance Costs


TV Set

24,000 PKR 36,000 PKR 72,000 PKR
MINIMUM AVERAGE MAXIMUM
$86 $130 $260

Fridge or Freezer

21,000 PKR 33,000 PKR 45,000 PKR
MINIMUM AVERAGE MAXIMUM
$76 $120 $160

Washing Machine

28,000 PKR 41,000 PKR 73,000 PKR
MINIMUM AVERAGE MAXIMUM
$100 $150 $260

Stove or Cooker

26,000 PKR 33,000 PKR 45,000 PKR
MINIMUM AVERAGE MAXIMUM
$93 $120 $160

Mobile Phone

30,000 PKR 36,000 PKR 52,000 PKR
MINIMUM AVERAGE MAXIMUM
$110 $130 $180

Laptop or Computer

33,000 PKR 40,000 PKR 72,000 PKR
MINIMUM AVERAGE MAXIMUM
$120 $140 $260

Expenditure to Income Ratio 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.

Cost of living and expenditure to income ratio in Hyderabad

Spending to Income Ratio

86%

80% to 93%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%3%
50% - 60%7%
60% - 70%13%
70% - 80%24%
80% - 90%23%
90% - 100%12%
100% - 110%7%
110% - 120%4%
120% - 130%3%
130% - 140%3%
> 140%2%

Interpretation and Analysis

The average spending-to-salary ratio in Hyderabad is 86% This means that on average, people spend around 86% of their income for living. According to the distribution table, 13% 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
77%
Spending-Income-Ratio
71%
84%

Couple
80%
Spending-Income-Ratio
75%
88%

Family
90%
Spending-Income-Ratio
84%
98%
Income and cost of living compatibility. Is it affordable or economical to live in Hyderabad

Affordable living in Hyderabad

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Hyderabad?


Yes
43%
No
57%

Around 43% of surveyed residents think that living in Hyderabad is affordable with proper budgeting while 57% reported that it is just too expensive and not affordable even with frugality and thriftness.

Distribution of monthly cost of living expenses in Hyderabad

How do people spend their money in Hyderabad?

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 Expenditure21%

21% of total expenses on average (10% to 29%)

LOW$29   8,200 PKR
AVERAGE$290   82,000 PKR
HIGH$4,400   1.2M PKR
Per Month

People living in Hyderabad typically spend from 10% to 29% of their total monthly expenditure on housing with 21% being the average. The average spend on housing is 82,000 PKR with expenditure ranging from 8,200 PKR to 1.2M 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$50   14,000 PKR
HIGH$750   210,000 PKR
Per Month

Utility expenditure like electricity, water, and gas in Hyderabad ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 14,000 PKR with 1,400 PKR and 210,000 PKR being the upper and lower limits.

Transport, Fuel, Commute6%

6% of total expenses on average (2% to 10%)

LOW$9.9   2,800 PKR
AVERAGE$99   28,000 PKR
HIGH$1,500   410,000 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 410,000 PKR on commuting with 28,000 PKR being the norm for most people in one month. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 2% or as high as 10%.

Food and Groceries Cost29%

29% of total expenses on average (21% to 35%)

LOW$25   6,900 PKR
AVERAGE$250   69,000 PKR
HIGH$3,700   1M PKR
Per Month

The average outlay on groceries in a month in Hyderabad is 69,000 PKR. The cost of groceries can range between 6,900 PKR to 1M PKR. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.

Healthcare and Medical Services11%

11% of total expenses on average (6% to 14%)

LOW$7.1   2,000 PKR
AVERAGE$71   20,000 PKR
HIGH$1,100   300,000 PKR
Per Month

People in Hyderabad allocate 6% to 14% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 11%. The range of medical expenses range from 2,000 PKR to 300,000 PKR with 20,000 PKR being the norm.

Leisure and Shopping4%

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

LOW$4   1,100 PKR
AVERAGE$40   11,000 PKR
HIGH$590   170,000 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 170,000 PKR with 11,000 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$5.9   1,700 PKR
AVERAGE$59   17,000 PKR
HIGH$890   250,000 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 17,000 PKR per month with 1,700 PKR being the minimum spent amount and 250,000 PKR being the maximum.

Other Expenses15%

15% of total expenses on average (10% to 22%)

LOW$13   3,600 PKR
AVERAGE$130   36,000 PKR
HIGH$1,900   530,000 PKR
Per Month
How easily is cost-cutting. Are there plenty of low-cost options in Hyderabad

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

Plenty of low-cost options51%

Few low-cost options49%


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

Percentage of people who manage to save money from their income every month in Hyderabad

How much money can you save in Hyderabad 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 Hyderabad manage to save money from their income every month?


Saving Money
46%
Not Saving
54%

Almost 46% of the surveyed people in Hyderabad said that they can save some money at the end of each month while 54% said that aren't saving anything.


Percentage of people saving money by population group in Hyderabad

GroupSaversNon Savers
Singles55%45%
Couples50%50%
Families46%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 Hyderabad

Saving to Income Ratio

6.8% 13% of income 26%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

7,800 PKR
$28
78,000 PKR
$280
1.2M PKR
$4,200
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 78,000 PKR on average with savings ranging from 7,800 PKR to 1.2M PKR.

55% of surveyed singles reported some of their income going to savings while 50% of couples said the same. 46% of families confirmed their ability to save money.


How much money do people actually save in Hyderabad?

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

7,900 PKR
$28
71,000 PKR
$250
790,000 PKR
$2,800
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%34%
10% - 20%27%
20% - 30%17%
30% - 40%11%
40% - 50%8%
> 50%3%

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 71,000 PKR with 7,900 PKR and 790,000 PKR being the minimum and maximum respectively.


Couples

Saving to Income Ratio

7.7% 14% of income 27%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

16,000 PKR
$56
100,000 PKR
$360
940,000 PKR
$3,400
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%38%
10% - 20%29%
20% - 30%20%
30% - 40%6%
40% - 50%5%
> 50%2%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 7.7% to 27% of their monthly income, with 14% being the average for most couples. The average amount of money that couples can save is 100,000 PKR with 16,000 PKR and 940,000 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

23,000 PKR
$84
120,000 PKR
$420
1.2M PKR
$4,200
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%41%
10% - 20%32%
20% - 30%21%
30% - 40%3%
40% - 50%2%
> 50%1%

Interpretation and Analysis

Families in Hyderabad 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 120,000 PKR with 23,000 PKR and 1.2M PKR being the minimum and maximum respectively.

Retirement, pension plans, and life after work in Hyderabad

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

Retirement age

The retirement age for most employees in 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 Hyderabad:
AgeAmount
25730,000 PKR
301.5M PKR
352.5M PKR
403.6M PKR
455.5M PKR
507.6M PKR
559.1M PKR
6011M PKR
6514M PKR

Retirement Income Distribution

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

Source% People
Pensions11%
Savings24%
Investments11%
Social Security6%
Annuities6%
Part-time Job18%
Real Estate19%
Dividends and Interest6%

Retirement Monthly Expenses in Hyderabad

20,000 PKR
$72
180,000 PKR
$650
2M PKR
$7,200
MINIMUM AVERAGE MAXIMUM

Monthly costs and expenses of energy and basic utilities in Hyderabad

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Individual

2,100 PKR 15,000 PKR 170,000 PKR
MINIMUM AVERAGE MAXIMUM
$7.6 $54 $600

Utility Bill Cost / Electricity + Water + Gas / Couple

2,200 PKR 16,000 PKR 180,000 PKR
MINIMUM AVERAGE MAXIMUM
$8 $59 $660

Utility Bill Cost / Electricity + Water + Gas / Family

4,200 PKR 21,000 PKR 210,000 PKR
MINIMUM AVERAGE MAXIMUM
$15 $75 $750

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

1,500 PKR 2,500 PKR 7,500 PKR
MINIMUM AVERAGE MAXIMUM
$5.4 $8.9 $27

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 Hyderabad ranges between 2,100 PKR and 170,000 PKR with average being 15,000 PKR, meanwhile the expenditure of couples is slightly higher at 16,000 PKR with 2,200 PKR and 180,000 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 21,000 PKR. The cost of internet and WiFi is unchanged among the three groups and 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 2,500 PKR but can range between 1,500 PKR and 7,500 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 Hyderabad 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.

The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Hyderabad is 240,000 PKR. Expenses can range from 34,000 PKR at the minimum level to 2.7M PKR at the highest end.


Couples

The average monthly spending of couples in Hyderabad is 350,000 PKR. Expenditure can range from 54,000 PKR to 3.2M PKR per month.


Families

The average cost of living for families in Hyderabad is 400,000 PKR per month. Families spend anywhere from 81,000 PKR to 4M PKR.


Students

The average monthly expenditure for students in Hyderabad is 180,000 PKR. Students spend from 27,000 PKR to 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.
Where do people choose to put their savings in Hyderabad

Typical saving choices for people in Hyderabad

Where do people choose to put their savings?


Saving Type% People
Emergency Funds13%
Gold15%
Savings Accounts16%
Retirement Accounts9%
Cash Savings24%
Real Estate8%
Investment4%
Stocks3%
Bonds4%
Mutual Funds1%
Certificates of Deposit2%
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.

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

Yes38%

No62%


Based on the survey, 62% of the people living in Hyderabad said that they don't have an emergency fund while 38% said that they do.

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

Saving Challenges in Hyderabad

Reasons that make it difficult for people to save money

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


Reason% People
Low Income4%
High Expenses7%
Debt and Loans10%
Lack of Budgeting Skills12%
Impulsive Spending13%
Financial Emergencies8%
Living the moment5%
Will do it later23%
Inflation15%
Social Pressure2%
Market Instability1%

Around 4% of the people 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% 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.

Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Hyderabad

Housing costs, accommodation, and housing affordability in Hyderabad

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


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 170,000 PKR
MINIMUM AVERAGE MAXIMUM
$160 $250 $630

2-bedroom apartment monthly rent cost

58,000 PKR 87,000 PKR 230,000 PKR
MINIMUM AVERAGE MAXIMUM
$210 $310 $830

3-bedroom apartment monthly rent cost

69,000 PKR 120,000 PKR 310,000 PKR
MINIMUM AVERAGE MAXIMUM
$250 $410 $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 170,000 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 69,000 PKR to 310,000 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 8.7M PKR 17M PKR
MINIMUM AVERAGE MAXIMUM
$21,000 $31,000 $62,000

1-bedroom apartment price

6.9M PKR 12M PKR 43M PKR
MINIMUM AVERAGE MAXIMUM
$25,000 $41,000 $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 170M PKR
MINIMUM AVERAGE MAXIMUM
$140,000 $210,000 $630,000

Townhouse price

50M PKR 120M PKR 430M PKR
MINIMUM AVERAGE MAXIMUM
$180,000 $420,000 $1.6M

House price

58M PKR 350M PKR 490M PKR
MINIMUM AVERAGE MAXIMUM
$210,000 $1.2M $1.8M

Villa price

69M PKR 380M 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 17M PKR depending on location. One bedroom cost can be anywhere from 6.9M PKR to 43M PKR. A villa can cost you 380M PKR on average with prices ranging from 69M PKR to 580M PKR.


If you're leasing or purchasing, housing costs in Hyderabad 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


26 x72 monthly income 174
MINIMUM AVERAGE MAXIMUM

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


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 Hyderabad 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
26%

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
1.8%
AVERAGE
2.8%
TO
3.8%

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.


540 PKR 5,400 PKR 82,000 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.

Financial goals and targets of people living in Hyderabad

Financial goals of people 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.


Financial Goal% People
Emergency Fund9%
Debt Reduction49%
Retirement Savings12%
Education Funding6%
Homeownership19%
Investing5%
Travel or Lifestyle4%
Healthcare Expenses17%
Financial Independence3%

Around 9% of those who participated in the survey 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.

Chart showing the percentage of people who are in debt in Hyderabad

Debt, loans, and mortgages in Hyderabad


Percentage of people who are in debt


In Debt
37%
Debt Free
63%

According to the survey, 37% of the people in Hyderabad have some kind of debt, loan, mortgage, or credit card payments while 63% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Hyderabad

Debt-to-income ratio in Hyderabad

Debt to income ratio

33%

25% to 41%

( 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 33% of the people's monthly income in Hyderabad goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%4%
50% - 60%22%
40% - 50%17%
30% - 40%19%
20% - 30%7%
10% - 20%8%
0% - 10%24%

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

Debt% People
Real Estate Mortgage5%
Auto Loan10%
Student Loan5%
Credit Card33%
Personal Loan47%

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.


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 Hyderabad

Besides measuring the loan-to-income ratio, we asked residents 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
Never47%
Once a year25%
Twice a year13%
Three times a year10%
Four times a year5%
Financial literacy and difficulty in budgeting and financial planning in Hyderabad

Financial Literacy in

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 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 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%

Food Prices, Dining Expenses, and Grocery Costs in Hyderabad

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


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 730 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 730 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 3,600 PKR
MINIMUM AVERAGE MAXIMUM
$4.3 $6.4 $13

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 1,200 PKR and 3,600 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 3,600 PKR 15,000 PKR
MINIMUM AVERAGE MAXIMUM
$8.7 $13 $52

The price range of a meal at fine-dining restaurant is 2,400 PKR to 15,000 PKR with the average cost being 3,600 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
$0.86 $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
$0.65 $0.87 $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 710 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 710 PKR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

200 PKR 270 PKR 380 PKR
MINIMUM AVERAGE MAXIMUM
$0.70 $0.96 $1.4

A bag of rice in Hyderabad costs around 270 PKR on average with prices rangeing between 200 PKR and 380 PKR depending on the brand and quality.

Bag of tomatos price

72 PKR 97 PKR 180 PKR
MINIMUM AVERAGE MAXIMUM
$0.26 $0.35 $0.65

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


( monthly grocery expenses / monthly income ) x 100


19% 27% of income 33%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Hyderabad 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 440,000 PKR depending on location and the type of person. The average cost of food and groceries for a couple is around 50,000 PKR per month. That number can be get as low as 7,700 PKR or a high as 460,000 PKR. Families' spending on grocery ranges from 15,000 PKR to 750,000 PKR with the location, income, and size of the family being the most determinite factors.

Cost of living comparison by city

#1 Sialkot

The average cost of living in Sialkot is 190,000 PKR, which is 30% less than the country average. Sialkot is ranked first in Pakistan in terms of expendenture and cost of living.


#2 Sargodha

The average cost of living in Sargodha is 210,000 PKR, which is 22% less than the country average. Sargodha is ranked second in Pakistan in terms of expendenture and cost of living.


#3 Bahawalpur

The average cost of living in Bahawalpur is 220,000 PKR, which is 19% less than the country average. Bahawalpur is ranked third in Pakistan in terms of expendenture and cost of living.


#4 Quetta

The average cost of living in Quetta is 240,000 PKR, which is 11% less than the country average. Quetta is ranked fourth in Pakistan in terms of expendenture and cost of living.


#5 Islamabad

The average cost of living in Islamabad is 260,000 PKR, which is 3.7% less than the country average. Islamabad is ranked fifth in Pakistan in terms of expendenture and cost of living.


#6 Hyderabad

The average cost of living in Hyderabad is 270,000 PKR, which is same as the country average. Hyderabad is ranked sixth in Pakistan in terms of expendenture and cost of living.


#7 Multan

The average cost of living in Multan is 290,000 PKR, which is 7.4% more than the country average. Multan is ranked seventh in Pakistan in terms of expendenture and cost of living.


#8 Peshawar

The average cost of living in Peshawar is 310,000 PKR, which is 15% more than the country average. Peshawar is ranked eighth in Pakistan in terms of expendenture and cost of living.


#9 Gujranwala

The average cost of living in Gujranwala is 330,000 PKR, which is 22% more than the country average. Gujranwala is ranked ninth in Pakistan in terms of expendenture and cost of living.


#10 Rawalpindi

The average cost of living in Rawalpindi is 350,000 PKR, which is 30% more than the country average. Rawalpindi is ranked tenth in Pakistan in terms of expendenture and cost of living.


#11 Faisalabad

The average cost of living in Faisalabad is 370,000 PKR, which is 37% more than the country average. Faisalabad is ranked eleventh in Pakistan in terms of expendenture and cost of living.


#12 Lahore

The average cost of living in Lahore is 390,000 PKR, which is 44% more than the country average. Lahore is ranked twelfth in Pakistan in terms of expendenture and cost of living.


#13 Karachi

The average cost of living in Karachi is 420,000 PKR, which is 56% more than the country average. Karachi is ranked thirteenth in Pakistan in terms of expendenture and cost of living.


Published: August 6, 2024   Last Update: April 17, 2025



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