Cost Of Living in Islamabad 2025

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

Whether you're living in Islamabad 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.

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 Islamabad said that they don't have an emergency fund while 38% said that they do.

Expenditure to Income Ratio in Islamabad

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.

Expense to income distribution levels

Interpretation and Analysis

The average spending-to-salary ratio in Islamabad is 83% This means that on average, people spend around 83% of their income for living. According to the distribution table, 13% of the population spend approximately 60% to 70% of their income every month.

Individual
74%
Spending-Income-Ratio

---

69%

81%

Couple
77%
Spending-Income-Ratio

---

72%

84%

Family
88%
Spending-Income-Ratio

---

82%

96%

How do people spend their money in Islamabad?

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

People living in Islamabad typically spend from 10% to 29% of their total monthly expenditure on housing with 21% being the average. The average spend on housing is 77,000 PKR with expenditure ranging from 7,700 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.

Utility expenditure like electricity, water, and gas in Islamabad ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 13,000 PKR with 1,300 PKR and 200,000 PKR being the upper and lower limits.

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 2,600 PKR to 390,000 PKR on commuting with 26,000 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%.

The average outlay on groceries in a month in Islamabad is 66,000 PKR. The cost of groceries can range between 6,600 PKR to 990,000 PKR. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.

People in Islamabad 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 1,900 PKR to 290,000 PKR with 19,000 PKR being the norm.

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 160,000 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.

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 16,000 PKR per month with 1,600 PKR being the minimum spent amount and 240,000 PKR being the maximum.

Retirement, pension plans, and life after work in Islamabad

What does the retirement lifestyle look like in Islamabad 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.

Retirement Income Distribution

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

Retirement Monthly Expenses in Islamabad

Food Prices, Dining Expenses, and Grocery Costs in Islamabad

Prices and cost of goods and services in Islamabad

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

Fast food combo meal price

350 PKR

700 PKR

1,200 PKR

MINIMUM

AVERAGE

MAXIMUM

$1.3

$2.5

$4.2

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Islamabad is approximatly 700 PKR with meal cost ranging from 350 PKR to 1,200 PKR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

1,100 PKR

1,700 PKR

3,400 PKR

MINIMUM

AVERAGE

MAXIMUM

$4.1

$6.2

$12

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 1,100 PKR and 3,400 PKR with 1,700 PKR being the average price of a plate for one person at a regular restaurant in Islamabad.

Fine dining meal for one price

2,300 PKR

3,500 PKR

14,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$8.4

$13

$50

The price range of a meal at fine-dining restaurant is 2,300 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 Islamabad.

Beverage prices, cappuccino, latte etc..

290 PKR

460 PKR

690 PKR

MINIMUM

AVERAGE

MAXIMUM

$1

$1.7

$2.5

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Islamabad is around 460 PKR. Price ranges between 290 PKR and 690 PKR depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

230 PKR

280 PKR

340 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.82

$0.99

$1.2

The average price of a large bottle of milk in Islamabad is 280 PKR. The maximum what you would pay for milk is 340 PKR and the minimum being 230 PKR depending on the brand of milk and other properties.

12 eggs price

180 PKR

230 PKR

350 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.63

$0.84

$1.3

A dozen eggs costs around 230 PKR on average with 180 PKR and 350 PKR being the lower and upper limits respectively.

Fresh whole chicken price

390 PKR

500 PKR

720 PKR

MINIMUM

AVERAGE

MAXIMUM

$1.4

$1.8

$2.6

The price range of a fresh whole chicken in Islamabad is between 390 PKR and 720 PKR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 500 PKR.

Pack of beef price

450 PKR

680 PKR

1,400 PKR

MINIMUM

AVERAGE

MAXIMUM

$1.6

$2.4

$4.8

The price of a regular pack of beef or meat is around 680 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

$0.68

$0.93

$1.3

A bag of rice in Islamabad 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

70 PKR

93 PKR

170 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.25

$0.33

$0.63

A bag of tomatoes costs anywhere from 70 PKR to 170 PKR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

120 PKR

160 PKR

270 PKR

MINIMUM

AVERAGE

MAXIMUM

$0.44

$0.58

$0.96

A bag of apples costs 160 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 Islamabad is around 26%. This means that people 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 every population group

A single person living alone spends approximately 38,000 PKR per month on grocery and food with expenditure fluctuating between 5,300 PKR and 420,000 PKR depending on location and the type of person. The average cost of food and groceries for a couple is around 48,000 PKR per month. That number can be get as low as 7,400 PKR or a high as 440,000 PKR. Families' spending on grocery ranges from 14,000 PKR to 710,000 PKR with the location, income, and size of the family being the most determinite factors.

Singles

The average monthly expense for a single person living in Islamabad is 230,000 PKR. Expenses can range from 32,000 PKR at the minimum level to 2.5M PKR at the highest end.

Couples

The average monthly spending of couples in Islamabad is 330,000 PKR. Expenditure can range from 50,000 PKR to 3M PKR per month.

Families

The average cost of living for families in Islamabad is 370,000 PKR per month. Families spend anywhere from 74,000 PKR to 3.7M PKR.

Students

The average monthly expenditure for students in Islamabad is 170,000 PKR. Students spend from 26,000 PKR to 1.9M PKR per month.

Typical saving choices for people in Islamabad

Where do people choose to put their savings?

Affordable living in Islamabad

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Islamabad?

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

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

Saving Challenges in Islamabad

Reasons that make it difficult for people to save money

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

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.

Low-cost alternatives in Islamabad

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 Islamabad 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.

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%

Financial goals of people in Islamabad

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

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

Almost 45% of the surveyed people in Islamabad 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 Islamabad

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 6.5% to 25% of their monthly income is what they can allocate to their savings, with 12% being the average. The amount of money that people can save is approximately 72,000 PKR on average with savings ranging from 7,200 PKR to 1.1M PKR.

54% of surveyed singles reported some of their income going to savings while 48% of couples said the same. 44% of families confirmed their ability to save money.

How much money do people actually save in Islamabad?

Singles

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for singles

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 9.3% to 27% 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 66,000 PKR with 7,300 PKR and 730,000 PKR being the minimum and maximum respectively.

Couples

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 7.4% to 26% of their monthly income, with 14% being the average for most couples. The average amount of money that couples can save is 94,000 PKR with 15,000 PKR and 870,000 PKR being the minimum and maximum respectively.

Families

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families in Islamabad can save anywhere between 6.7% to 25% of their monthly income, with 12% being the average for most families. The average amount of money that families can put aside is 110,000 PKR with 22,000 PKR and 1.1M PKR being the minimum and maximum respectively.

Monthly costs and expenses of energy and basic utilities in Islamabad

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

Utility Bill Cost / Electricity + Water + Gas / Individual

2,000 PKR

15,000 PKR

160,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$7.3

$52

$580

Utility Bill Cost / Electricity + Water + Gas / Couple

2,100 PKR

16,000 PKR

180,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$7.7

$56

$630

Utility Bill Cost / Electricity + Water + Gas / Family

4,000 PKR

20,000 PKR

200,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$14

$72

$720

Internet and cable cost

1,700 PKR

3,400 PKR

4,600 PKR

MINIMUM

AVERAGE

MAXIMUM

$6.1

$12

$16

Mobile phone bill and charges

1,500 PKR

2,500 PKR

7,500 PKR

MINIMUM

AVERAGE

MAXIMUM

$5.4

$8.9

$27

The average monthly expenditure for individuals on electricty, water, and gas in Islamabad ranges between 2,000 PKR and 160,000 PKR with average being 15,000 PKR, meanwhile the expenditure of couples is slightly higher at 16,000 PKR with 2,100 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 20,000 PKR. The cost of internet and WiFi is unchanged among the three groups and ranges from 1,700 PKR to 4,600 PKR with 3,400 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

The average utility-to-income ratio in Islamabad 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.

Debt, loans, and mortgages in Islamabad

Percentage of people who are in debt

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

Debt-to-income ratio in Islamabad

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 Islamabad goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 4% of the debtors in Islamabad 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 Islamabad

5% of debtors in Islamabad 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 Islamabad.

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 Islamabad

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.

Housing costs, accommodation, and housing affordability in Islamabad

Rent Cost in Islamabad

Monthly Rent Prices

Studio apartment monthly rent cost

27,000 PKR

41,000 PKR

110,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$98

$150

$390

1-bedroom apartment monthly rent cost

41,000 PKR

65,000 PKR

160,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$150

$230

$580

2-bedroom apartment monthly rent cost

54,000 PKR

81,000 PKR

220,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$190

$290

$770

3-bedroom apartment monthly rent cost

64,000 PKR

110,000 PKR

290,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$230

$380

$1,000

Furnished apartment monthly rent cost

130,000 PKR

330,000 PKR

650,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$470

$1,200

$2,300

Townhouse monthly rent cost

110,000 PKR

160,000 PKR

470,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$390

$590

$1,700

House monthly rent cost

130,000 PKR

330,000 PKR

650,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$470

$1,200

$2,300

Villa monthly rent cost

160,000 PKR

410,000 PKR

660,000 PKR

MINIMUM

AVERAGE

MAXIMUM

$590

$1,500

$2,400

The monthly rental cost of a studio apartment in Islamabad ranges between 27,000 PKR and 110,000 PKR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 41,000 PKR to 160,000 PKR. Two-bedroom rentals rate ranges between 54,000 PKR and 220,000 PKR per month. The monthly rental for a three-bedroom apartment ranges from 64,000 PKR to 290,000 PKR. The average rent of a townhouse in Islamabad is around 160,000 PKR while house rental costs can be as high as 330,000 PKR per month. Finally, if you want to rent a villa, expect to pay anywhere from 160,000 PKR to 660,000 PKR per month.

Apartment and house prices in Islamabad

Cost of buying a property

Studio apartment price

5.4M PKR

8.1M PKR

16M PKR

MINIMUM

AVERAGE

MAXIMUM

$19,000

$29,000

$58,000

1-bedroom apartment price

6.4M PKR

11M PKR

40M PKR

MINIMUM

AVERAGE

MAXIMUM

$23,000

$38,000

$140,000

2-bedroom apartment price

11M PKR

33M PKR

66M PKR

MINIMUM

AVERAGE

MAXIMUM

$39,000

$120,000

$240,000

3-bedroom apartment price

36M PKR

54M PKR

160M PKR

MINIMUM

AVERAGE

MAXIMUM

$130,000

$190,000

$580,000

Townhouse price

46M PKR

110M PKR

400M PKR

MINIMUM

AVERAGE

MAXIMUM

$160,000

$380,000

$1.4M

House price

53M PKR

320M PKR

460M PKR

MINIMUM

AVERAGE

MAXIMUM

$190,000

$1.1M

$1.6M

Villa price

64M PKR

360M PKR

530M PKR

MINIMUM

AVERAGE

MAXIMUM

$230,000

$1.3M

$1.9M

The average price of a studio apartment in Islamabad can range from 5.4M PKR to 16M PKR depending on location. One bedroom cost can be anywhere from 6.4M PKR to 40M PKR. A villa can cost you 360M PKR on average with prices ranging from 64M PKR to 530M PKR.

House / apartment prices to income ratio

Property prices in Islamabad can be x68 to x163 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x68 multiples of the average monthly salary in Islamabad.

Rent to income ratio

The average rent-to-income ratio in Islamabad is around 26%. This means that people pay 26% of their income for rent. Those figures can range from 17% to 35% 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.

Cost of living comparison by city

#1 Sialkot

The average cost of living in Sialkot is 190,000 PKR, which is 27% 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 19% 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 15% 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 7.7% 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 same as 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 3.8% more than 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 12% 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 19% 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 27% 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 35% 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 42% 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 50% 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 62% more than the country average. Karachi is ranked thirteenth in Pakistan in terms of expendenture and cost of living.