Cost of living in Karachi, prices and what it is like to live for an Expat, quality of life / hardship, and compare cost of living for Expatriates as at January 2021.

What is it like to live in Karachi?

Karachi: Karachi is the largest city, main seaport and the financial capital of Pakistan.

Economy: Karachi is Pakistan's premier centre of banking, industry, and trade. Karachi is also home to Pakistan's largest corporations, including those that are involved in textiles, shipping, automotive industry, entertainment, the arts, fashion, advertising, publishing, software development and medical research.

Inflation: 8% for Pakistan as at December 2020.

Karachi Population: 15 Million (2020 est.)

Expat Life: Pakistan is a very conservative Islamic country and local Islamic sensibilities should be respected. Expatriate dress code is conservative and respectful of Muslim cultural sensitivities. Expatriate dress code is typically a suit for men, conservative clothing covering the arms and legs for women. The safety risk for expatriates in Pakistan is extremely high. Risks include terrorism (targeting expatriates), militant attacks against government and safety force targets, fighting between tribal militias, crime, banditry, sporadic bomb attacks and rioting.

Health Care: Health care facilities are generally below international standards. Dengue fever is common. The official Coronavirus COVID-19 total reported cases for Pakistan as at 21 January 2021 is 527,146, with 11,157 deaths. The rate of deaths per 1 million population is 50. Current active cases is 35,293.

For other areas within the country see Pakistan.

Cost Of Living

What is the cost of living in Karachi?

The cost of living for expatriates in Karachi as at January 2021 is low in comparison to other places in the world, with an overall Cost of Living Index (COLI), for all 13 basket groups, of 48.92 (New York =100). We have collected prices for the same items, world wide, based on Expat spending norms, in or closest to the location, and converted them to $USD so that we can compare the cost of 13 different baskets in 780 global locations. For each basket, compared to New York, the equivalent cost in Karachi is as follows:

1) Alcohol and/or Tobacco: Cost is low for tobacco related products such as cigarettes. A basket costing USD$1000 in New York costs USD$690.

2) Clothing: Cost is very low for items such as business, casual and children's clothing and footwear. A basket costing USD$1,000 in New York costs USD$470. Average price for an international brand of mens jeans is USD$16, a quality international brand of running shoes USD$40, mens leather shoes suitable for office wear USD$29 while a medium size international summer dress from a global chain store is USD$25.

3) Communication: Cost is very low for various communication costs such as home telephone rental, internet subscription, mobile service provider tariff and data costs. A basket costing USD$200 in New York costs USD$66. Average price for a monthly standard plan internet subscription is USD$18, while the benchmark mobile tariff is USD$0.02 per minute.

4) Education: Cost is very low for items such as creche / pre-school fees, primary school fees, high school fees and tertiary study fees. A basket costing USD$30,000 in New York costs USD$12900. Average annual private international school fee (excluding extras) USD$8,329 for Primary School, and USD$9,269 for High School.

5) Furniture & Appliances: Cost is low for items such as dining table and chairs, home entertainment, kitchen appliances, and sofas. A basket costing USD$2,500 in New York costs USD$1625. Average price for a 6kg front loader Washing Machine is USD$629, and USD$540 for a 46+'' LED UHD TV.

6) Groceries: Cost is low for items such as consumables, cleaning products, dairy, fresh fruit & vegetables, general food products, snacks, soft drinks. A basket costing USD$1,000 in New York costs USD$520. Average grocery prices in a major international retail store for 1 kg apples is USD$1.35, 1 kg oranges USD$0.88, 1 head lettuce USD$0.38, 1 kg potatos USD$0.36, 1 kg boneless, skinless, chicken breast USD$2.91, 1 kg cheddar cheese USD$7.05, 1 dozen large eggs USD$0.96, 500g loaf white bread USD$0.48, 1 L full cream milk USD$0.80, and 1.5 L water USD$0.44.

7) Healthcare: Cost is average for general heath care, doctor visits, hospital stays, non-prescription medicine, and medical insurance. A basket costing USD$1,000 in New York costs USD$590. Average healthcare cost for a private practice Doctor visit for an uninsured patient is USD$48, and a private hospital stay per day including nursing care, medications, diagnostic tests, food, and related costs is USD$1,461.

8) Household Accommodation: Cost is very low for items such as apartment rent, house rent, property purchase, mortgage rate, and utilities. A basket costing USD$5,000 in New York costs USD$1100. Average expatriate house / apartment rent for a secure upmarket unfurnished apartment (3 bedrooms) is USD$748 in a central location, and USD$488 in a suburban location, per month, excluding utilities.

9) Miscellaneous: Cost is average for items such as dry cleaning, linen, magazines, newspapers, office supplies, and postage stamps. A basket costing USD$500 in New York costs USD$395. Average price for dry cleaning (1 mens 2 pc suit) is USD$7.67, while an international newspaper is USD$2.36.

10) Personal Care: Cost is average for items such as cosmetics, hair care, and toiletries. A basket costing USD$500 in New York costs USD$310. Average cost for a mens haircut and blow dry is USD$25, while a womens hair colour, cut and blow dry - medium length is USD$125.

11) Recreation & Culture: Cost is average for items such as books, cinema, sport and theatre tickets. A basket costing USD$500 in New York costs USD$360. Average price for a latest release international cinema ticket (average of on and off peak where applicable) for one adult is USD$5.12, and an international fitness, recreation or sports club membership cost for one adult is USD$21 per month.

12) Restaurants Meals Out and Hotels: Cost is very low for items such as hotel daily room rates, meals and beverages in a restaurant, and take away food and beverages. A basket costing USD$1,000 in New York costs USD$330. Average cappuccino price (regular, medium) is USD$1.74, coke/pepsi (330ml) USD$0.36, burger meal (international franchise or similar) USD$4.76, and a mid-range international restaurant meal for 2 USD$13.92.

13) Transport: Cost is average for items such as fuel (petrol/gasoline), car hire, public transport, vehicle purchase and maintenance. A basket costing USD$1,000 in New York costs USD$730. Average average price over the last year for highest available octane petrol / gasoline (1L) is USD$0.65, while the benchmark car sedan purchase price including taxes/duties for a compact / small / economy vehicle (1.4 L) is USD$11,557.

How does the cost of living in Karachi compare?

Karachi is -32.7% cheaper than Houston TX for groceries, -43.9% cheaper for household costs than Kuala Lumpur, and 15.4% more expensive for transport costs than Dubai.

What is the quality of life / hardship in Karachi?

Karachi is ranked as an extreme hardship location.The hardship premium for Karachi for an expat from Perth, is for example 30%, i.e. host location (Karachi) premium of 40% minus home (Perth) location premium of 10%.

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