Cost Of Living For a Student in Sargodha 2025
Average Monthly Expenditure
Currency: PKR
Average monthly spending for students in Sargodha
How much money does a student need in a month to survive in Sargodha?
Students in Sargodha spend around 180,000 PKR per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 26,000 PKR or as high as 1.2M PKR. Location is a very important factor and has a huge influence on expenditure and budget.
Prices and cost of goods and services in Sargodha
Dining, food, and beverages costs
Fast food combo meal
| 380 PKR | 750 PKR | 1,300 PKR |
Restaurant meal for one
| 1,200 PKR | 1,800 PKR | 3,600 PKR |
Fine dining meal for one
| 2,400 PKR | 3,600 PKR | 14,000 PKR |
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
Pack of beef
| 500 PKR | 750 PKR | 1,500 PKR |
Medium bag of rice
Bag of tomatos
Bag of apples
Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
| 1,900 PKR | 2,500 PKR | 5,000 PKR |
Average car 1-day rental
| 1,700 PKR | 2,300 PKR | 3,400 PKR |
Average car price
| 940,000 PKR | 1.9M PKR | 2.5M PKR |
Bus ticket one way
Car Service
| 2,300 PKR | 3,400 PKR | 6,800 PKR |
Utility cost (monthly)
Utility Bill - Student
| 1,100 PKR | 7,000 PKR | 47,000 PKR |
Internet and cable
| 1,900 PKR | 3,800 PKR | 5,000 PKR |
Mobile phone charges
| 1,500 PKR | 2,500 PKR | 7,500 PKR |
Leisure and activities costs
Movie ticket
| 940 PKR | 1,300 PKR | 1,900 PKR |
One month gym membership
| 2,700 PKR | 3,400 PKR | 6,800 PKR |
Cloths and accessories costs
Pair of jeans or pants
| 2,000 PKR | 2,800 PKR | 4,200 PKR |
Woman dress
| 1,900 PKR | 2,600 PKR | 8,500 PKR |
Woman shoes
| 1,800 PKR | 2,400 PKR | 5,700 PKR |
Men's shoes
| 1,500 PKR | 1,900 PKR | 3,800 PKR |
Men suit
| 1,700 PKR | 2,100 PKR | 11,000 PKR |
Regular t-shirt
| 850 PKR | 1,100 PKR | 3,400 PKR |
Housing costs / monthly rent
Studio apartment
| 28,000 PKR | 42,000 PKR | 110,000 PKR |
1-bedroom apartment
| 42,000 PKR | 68,000 PKR | 170,000 PKR |
2-bedroom apartment
| 57,000 PKR | 85,000 PKR | 230,000 PKR |
Housing costs / Buying
Studio apartment
| 5.7M PKR | 8.5M PKR | 17M PKR |
1-bedroom apartment
2-bedroom apartment
| $40,000 | $120,000 | $240,000 |
Furniture Costs
King Size Bed
| 38,000 PKR | 47,000 PKR | 63,000 PKR |
Double Bed
| 25,000 PKR | 38,000 PKR | 47,000 PKR |
Single Bed
| 22,000 PKR | 29,000 PKR | 38,000 PKR |
Living Room
| 42,000 PKR | 54,000 PKR | 190,000 PKR |
Dining Table
| 19,000 PKR | 25,000 PKR | 47,000 PKR |
Sofa or Couch
| 25,000 PKR | 34,000 PKR | 75,000 PKR |
Electronics and House Appliance Costs
TV Set
| 25,000 PKR | 38,000 PKR | 75,000 PKR |
Fridge or Freezer
| 22,000 PKR | 34,000 PKR | 47,000 PKR |
Washing Machine
| 29,000 PKR | 42,000 PKR | 75,000 PKR |
Stove or Cooker
| 27,000 PKR | 34,000 PKR | 47,000 PKR |
Mobile Phone
| 31,000 PKR | 38,000 PKR | 54,000 PKR |
Laptop or Computer
| 34,000 PKR | 42,000 PKR | 75,000 PKR |
How do students spend their money in Sargodha?
We asked thousands of students about their spending habits and expenditure break down.
Housing and accomodation expenditure for students
Accomodation Cost16%
16% of total expenses on average (11% to 22%)
| LOW | $23 6,300 PKR |
| AVERAGE | $150 42,000 PKR |
| HIGH | $1,000 280,000 PKR |
| Per Month |
Students in Sargodha typically spend from 11% to 22% of their total monthly expenditure on housing with 16% being the average. The average monthly spend on housing is 42,000 PKR with expenditure ranging from 6,300 PKR to 280,000 PKR. This cost mainly goes for rent but it also includes other accommodation-related expenses.
Electricity, utilities, energy, water, internet, and mobile expenditure for students
Cost of utilities7%
7% of total expenses on average (5% to 11%)
| LOW | $3.8 1,100 PKR |
| AVERAGE | $25 7,000 PKR |
| HIGH | $170 47,000 PKR |
| Per Month |
Utility expenditure like electricity, water, and gas in Sargodha ranges from 5% to 11% of total expenses with 7% being the average for most students. The average monthly cost of utilities is 7,000 PKR with 1,100 PKR and 47,000 PKR being the upper and lower limits for a student of four.
Transport, fuel, and commute expenditure for students
Cost of transport and fuel3%
3% of total expenses on average (4% to 9%)
| LOW | $6.6 1,800 PKR |
| AVERAGE | $44 12,000 PKR |
| HIGH | $290 82,000 PKR |
| Per Month |
Fuel consumption and cost of transport depend heavily on whether a student resides near school and work, but roughly speaking a student would expect to spend from 1,800 PKR to 82,000 PKR in a month on commuting with 12,000 PKR being the norm for most students. This means that money spent on transport constitutes about 3% of total spending on average but can go as low as 4% or as high as 9%.
Food, groceries, and basic shopping expenditure for students
Food and Groceries Cost24%
24% of total expenses on average (18% to 28%)
| LOW | $19 5,300 PKR |
| AVERAGE | $130 35,000 PKR |
| HIGH | $840 230,000 PKR |
| Per Month |
The average outlay on groceries and basic houshold items for a typical student in a month in Sargodha is 35,000 PKR. The cost of groceries can range between 5,300 PKR to 230,000 PKR. Students spend on average about 24% on food and groceries with upper and lower bounds of 18% and 28% respectively.
Healthcare and medical services expenditure for students
Cost of healthcare10%
10% of total expenses on average (7% to 13%)
| LOW | $5.6 1,600 PKR |
| AVERAGE | $38 11,000 PKR |
| HIGH | $250 70,000 PKR |
| Per Month |
Students in Sargodha allocate 7% to 13% 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 10%. The range of medical expenses range from 1,600 PKR to 70,000 PKR with 11,000 PKR being the norm for most students.
Leisure and shopping expenditure for students
Cost of leisure and shopping2%
2% of total expenses on average (1% to 6%)
| LOW | $4.7 1,300 PKR |
| AVERAGE | $31 8,800 PKR |
| HIGH | $210 59,000 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 1,300 PKR to 59,000 PKR with 8,800 PKR being the average. Speaking of percentages, that equates to 1% to 6% of total expenses with an average of 2% for most students.
Education and schooling expenditure for students
Cost of education and schooling18%
18% of total expenses on average (11% to 23%)
| LOW | $18 5,000 PKR |
| AVERAGE | $120 33,000 PKR |
| HIGH | $800 220,000 PKR |
| Per Month |
Spending on education can vary drastically between different students. On average, education constitutes 18% of the monthly expenditure of students with 11% and 23% being the lower and upper bounds respectively. The average reported education cost is 33,000 PKR per month with 5,000 PKR being the minimum spent amount and 220,000 PKR being the maximum.
Other Expenses20%
20% of total expenses on average (14% to 26%)
| LOW | $14 3,900 PKR |
| AVERAGE | $94 26,000 PKR |
| HIGH | $630 180,000 PKR |
| Per Month |
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.
Affordable living in Sargodha
Income and cost of living compatibility
We asked students one simple question and recorded their answers.
Is it affordable or economical to live in Sargodha?
Around 39% of surveyed students think that living in Sargodha is affordable with proper budgeting while 61% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Sargodha
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 students how easily cost-cutting is and the answers were distributed as follows:
Plenty of low-cost options46%
Few low-cost options54%
Based on the survey, 46% of the students living in Sargodha have no problem finding low-cost alternatives to support a frugal lifestyle while 54% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.
Emergency Funds For Students
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 students of Sargodha whether they have an emergency fund and the answers were as follows.
Yes34%
No66%
Based on the survey, 66% of the students living in Sargodha said that they don't have an emergency fund while 34% 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 student guardians and parents in Sargodha 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 students 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%
Housing costs, accommodation, and housing affordability in Sargodha
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Sargodha
Monthly Rent Prices
Studio apartment monthly rent cost
| 28,000 PKR | 42,000 PKR | 110,000 PKR |
1-bedroom apartment monthly rent cost
| 42,000 PKR | 68,000 PKR | 170,000 PKR |
2-bedroom apartment monthly rent cost
| 57,000 PKR | 85,000 PKR | 230,000 PKR |
3-bedroom apartment monthly rent cost
| 68,000 PKR | 110,000 PKR | 310,000 PKR |
Furnished apartment monthly rent cost
| 140,000 PKR | 340,000 PKR | 680,000 PKR |
Townhouse monthly rent cost
| 110,000 PKR | 170,000 PKR | 480,000 PKR |
House monthly rent cost
| 140,000 PKR | 340,000 PKR | 680,000 PKR |
Villa monthly rent cost
| 170,000 PKR | 420,000 PKR | 680,000 PKR |
The monthly rental cost of a studio apartment in Sargodha ranges between 28,000 PKR and 110,000 PKR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 42,000 PKR to 170,000 PKR. Two-bedroom rentals rate ranges between 57,000 PKR and 230,000 PKR per month. The monthly rental for a three-bedroom apartment ranges from 68,000 PKR to 310,000 PKR. The average rent of a townhouse in Sargodha is around 170,000 PKR while house rental costs can be as high as 340,000 PKR per month. Finally, if you want to rent a villa, expect to pay anywhere from 170,000 PKR to 680,000 PKR per month.
Apartment and house prices in Sargodha
Cost of buying a property
Studio apartment price
| 5.7M PKR | 8.5M PKR | 17M PKR |
1-bedroom apartment price
2-bedroom apartment price
| $40,000 | $120,000 | $240,000 |
3-bedroom apartment price
| $130,000 | $200,000 | $610,000 |
Townhouse price
| 48M PKR | 110M PKR | 420M PKR |
House price
| 57M PKR | 340M PKR | 480M PKR |
Villa price
| 68M PKR | 380M PKR | 570M PKR |
The average price of a studio apartment in Sargodha can range from 5.7M PKR to 17M PKR depending on location. One bedroom cost can be anywhere from 6.8M PKR to 42M PKR. A villa can cost you 380M PKR on average with prices ranging from 68M PKR to 570M PKR.
If you're leasing or purchasing, housing costs in Sargodha 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
| 25 | x70 monthly income | 168 |
Property prices in Sargodha can be x70 to x168 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x70 multiples of the average monthly salary in Sargodha.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Sargodha is around 25%. This means that people pay 25% of their income for rent. Those figures can range from 16% to 34% 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
23% 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.
| 530 PKR | 6,800 PKR | 68,000 PKR |
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 Sargodha
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Sargodha
Utility Bill Cost / Electricity + Water + Gas / Student
| 1,100 PKR | 7,000 PKR | 47,000 PKR |
Internet and cable cost
| 1,900 PKR | 3,800 PKR | 5,000 PKR |
Mobile phone bill and charges
| 1,500 PKR | 2,500 PKR | 7,500 PKR |
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 energy and water consumption of students is around 7,000 PKR. The cost of internet and WiFi ranges from 1,900 PKR to 5,000 PKR with 3,800 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
The average utility-to-income ratio in Sargodha is around 6.3%. This means that people pay 6.3% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.6% to 10% depending on salary and location.
Food Prices, Dining Expenses, and Grocery Costs in Sargodha
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Sargodha
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
| 380 PKR | 750 PKR | 1,300 PKR |
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Sargodha is approximatly 750 PKR with meal cost ranging from 380 PKR to 1,300 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 |
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 Sargodha.
Fine dining meal for one price
| 2,400 PKR | 3,600 PKR | 14,000 PKR |
The price range of a meal at fine-dining restaurant is 2,400 PKR to 14,000 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 Sargodha.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Sargodha is around 500 PKR. Price ranges between 310 PKR and 750 PKR depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in Sargodha is 300 PKR. The maximum what you would pay for milk is 380 PKR and the minimum being 250 PKR depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 250 PKR on average with 190 PKR and 380 PKR being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Sargodha is between 430 PKR and 790 PKR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 550 PKR.
Pack of beef price
| 500 PKR | 750 PKR | 1,500 PKR |
The price of a regular pack of beef or meat is around 750 PKR. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Sargodha costs around 280 PKR on average with prices rangeing between 200 PKR and 390 PKR depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 75 PKR to 190 PKR. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 180 PKR on average. A bag of apples denotes 1Kg or 1lb depending on location.
Grocery and food expenditure to income ratio
( monthly grocery expenses / monthly income ) x 100
The average grocery-to-income ratio in Sargodha is around 25%. This means that students spend 25% of their income on grocery and basic household items. The expenditure can range from 18% to 31% depending on salary and location.
Expenditure on food and grocery for students
Students' spending on grocery ranges from 5,300 PKR to 230,000 PKR with the location, income, and size of the student being the most determinite factors.
