Living in Karachi: the ultimate expat guide
Everything you need to know for a successful life in Karachi.
Karachi is Pakistan's largest city and its undisputed economic powerhouse. With an estimated population of 20 million, this sprawling metropolis on the Arabian Sea coast serves as the country's financial capital, main seaport, and industrial hub. The city generates approximately 25% of Pakistan's GDP and handles 60% of the nation's cargo through its busy ports. For expatriates, Karachi offers a unique blend of business opportunities, cultural diversity, and a remarkably low cost of living compared to other major global cities.
5 Good Reasons to Move to Karachi
- Exceptionally low cost of living – Karachi ranks among the world's most affordable major cities, allowing expatriates on foreign salaries to enjoy a comfortable lifestyle.
- Thriving business environment – As Pakistan's commercial capital, the city hosts headquarters of major banks, multinationals, and the country's largest stock exchange.
- English widely spoken – English is commonly used in business, education, and daily life, making communication easier for international residents.
- Rich cultural diversity – The city is home to people from all over Pakistan and beyond, creating a cosmopolitan atmosphere with diverse cuisines and traditions.
- Coastal lifestyle – Located on the Arabian Sea, Karachi offers beaches, seafood, and pleasant winter weather from November to February.
Working in Karachi: Opportunities in Pakistan's Commercial Capital
Karachi serves as the economic engine of Pakistan, contributing significantly to the country's industrial output and employment. The city attracts professionals from across the globe, particularly in sectors like finance, textiles, IT, and energy. Foreign nationals must obtain a work visa sponsored by a company registered with the Securities and Exchange Commission of Pakistan (SECP), processed through the Board of Investment (BOI) and approved by the Ministry of Interior.
Key Industries and Employment Sectors
The textile industry dominates Karachi's economy, accounting for approximately 65% of Pakistan's merchandise exports and employing about 45% of the national workforce. The financial services sector is centered here, with the Pakistan Stock Exchange and headquarters of major banks like Habib Bank, National Bank of Pakistan, and Standard Chartered Pakistan. The IT and software development sector is rapidly growing, with Karachi hosting numerous tech startups and outsourcing firms. Other key industries include automotive manufacturing, pharmaceuticals, cement production, and port logistics.
Work Permits and Visa Requirements
Work visas are initially granted for one year (multiple entry) and are extendable annually. The application process typically takes 4-8 weeks. Required documents include a formal employment letter from the sponsoring company, passport copies, and qualification certificates. The BOI reviews applications before forwarding them to the Ministry of Interior for final approval. Chinese nationals working on China-Pakistan Economic Corridor (CPEC) projects have a separate visa category with extended validity of up to 2 years.
The following table provides key employment indicators for Karachi and Pakistan:
National unemployment rate (2024) | 5.5% - 6.9% |
Average monthly salary (Karachi) | PKR 49,700 (~USD 177) |
Top employment sectors | Textiles, Finance, IT, Manufacturing |
Sources: Numbeo 2025, Trading Economics, Pakistan Board of Investment
Higher Education in Karachi: Universities and International Programs
Karachi is Pakistan's largest educational hub, home to over 50 accredited universities and colleges. The city offers diverse higher education options, from public research universities to private institutions with international partnerships. International students can access various scholarship programs, including the Pakistan Technical Assistance Programme (PTAP) and Allama Muhammad Iqbal Scholarship through the Higher Education Commission.
Major Universities
The University of Karachi (UoK), established in 1951, is the largest university in Pakistan with over 41,000 students across 53 departments and 19 research institutes. It attracts international students from 23 countries, particularly from Central Asia, the Middle East, and South Asia. The NED University of Engineering and Technology is Pakistan's oldest engineering institution, offering accredited programs in engineering and architecture. Aga Khan University (AKU) is consistently ranked as Pakistan's top private medical university, with internationally recognized medical and nursing programs. The Institute of Business Administration (IBA) Karachi, established in 1955, is South Asia's oldest business school outside India.
Tuition Fees and Admission
Tuition fees vary significantly between public and private institutions. Public universities like UoK charge approximately PKR 25,000-50,000 per semester (USD 90-180) for local students, with higher fees for international students on self-finance basis. Private universities range from PKR 150,000-500,000 per semester (USD 535-1,785). International students typically apply through Pakistani embassies or directly to universities, with deadlines varying by institution. Programs are primarily taught in English, making them accessible to international students.
Sources: University of Karachi, QS World University Rankings, Higher Education Commission Pakistan
Schooling for Children: International and Local Education Options
Karachi offers a wide range of schooling options for expatriate families, from international schools following British, American, and International Baccalaureate (IB) curricula to high-quality local private schools. While public education is free for children aged 5-16, most expatriate families opt for private or international schools due to higher educational standards and English-medium instruction.
International Schools
The Karachi American School (KAS) follows an American curriculum and is among the most prestigious international schools, with monthly fees around PKR 117,000 (USD 417). The British Overseas School, established in 1958, offers education from pre-school to A-levels following the British National Curriculum, serving students from over 40 nationalities. The International School of Karachi in Clifton follows the National Curriculum of England with Pearson examinations. Bay View Academy operates three campuses offering Cambridge O-Level and A-Level programs, with tuition fees ranging from PKR 38,480 to PKR 46,375 per month.
Local Private Schools
Karachi Grammar School (KGS) is considered one of Pakistan's most elite educational institutions, known for rigorous academics and high university placement rates. Beaconhouse School System and The City School are major school networks with multiple campuses across Karachi, offering both local matriculation and Cambridge curricula. Foundation Public School follows the National Curriculum for England and is known for excellent facilities. Monthly fees for quality private schools typically range from PKR 20,000 to PKR 50,000 (USD 71-178), with additional costs for registration, uniforms, and extracurricular activities.
Sources: Edarabia School Directory, Numbeo 2025
Housing and Neighbourhoods: Where to Live in Karachi
Karachi's housing market offers diverse options, from modern high-rise apartments in gated communities to traditional bungalows and villas. Rental prices vary dramatically based on location, with premium neighborhoods commanding significantly higher rates. Most expatriates settle in the southern districts, particularly in areas with established security and proximity to international schools and business centers.
Expat-Friendly Neighbourhoods
Defence Housing Authority (DHA) is Karachi's most sought-after residential area, offering well-planned infrastructure, 24-hour security, and upscale amenities across its multiple phases. Clifton is an affluent coastal neighborhood hosting numerous consulates (British, Chinese, Russian, Italian, Swiss) and offering sea views, proximity to beaches, and access to top schools like Karachi Grammar School. Bath Island, within Clifton, features luxury apartment complexes with premium waterfront living. PECHS (Pakistan Employees Cooperative Housing Society) offers a more affordable option with good connectivity and established infrastructure. Bahria Town Karachi is a modern gated community on the city outskirts, featuring comprehensive amenities and enhanced security.
Rental Prices and Procedures
Rental agreements in Pakistan typically require 1-3 months' advance rent as a security deposit. Leases are usually for one year, payable monthly or quarterly. The following table shows average monthly rents:
1-bedroom apartment (city center) | PKR 36,500 (~USD 130) |
1-bedroom apartment (outside center) | PKR 21,500 (~USD 77) |
3-bedroom apartment (city center) | PKR 88,800 (~USD 315) |
3-bedroom apartment (outside center) | PKR 58,000 (~USD 207) |
3-bedroom in premium areas (DHA/Clifton) | PKR 200,000-300,000 (~USD 715-1,070) |
Sources: Numbeo 2025, Zameen.com
Leisure, Culture and Things to Do in Karachi
Despite being primarily a business city, Karachi offers a rich array of cultural, recreational, and social experiences. From historic colonial architecture to modern shopping malls, pristine beaches to ancient archaeological sites, the city caters to diverse interests. The cultural scene reflects Karachi's cosmopolitan character, blending Pakistani traditions with international influences.
Museums and Cultural Attractions
The Mazar-e-Quaid (Quaid's Mausoleum) is Karachi's most iconic landmark, the white marble resting place of Pakistan's founder Muhammad Ali Jinnah. The National Museum of Pakistan houses 11 galleries showcasing artifacts from the Indus Valley Civilization to modern times. Mohatta Palace Museum, a stunning pink sandstone building from 1927, displays cultural artifacts and rotating art exhibitions. Frere Hall, dating to 1865, serves as a library and art gallery surrounded by beautiful gardens. The Pakistan Air Force Museum and Pakistan Maritime Museum offer fascinating military history exhibits, including a real submarine (PNS Hangor).
Beaches, Parks and Recreation
Clifton Beach (Sea View) is the most accessible beach, popular for evening strolls, camel rides, and street food. Hawks Bay and Turtle Beach offer quieter escapes with turtle watching during breeding season. Churna Island, two hours from the city, is a diving and snorkeling destination. Port Grand is a waterfront entertainment complex with restaurants, cultural events, and live music. For shopping, Dolmen Mall and LuckyOne Mall (Pakistan's largest) offer international retail brands, food courts, and entertainment. Empress Market provides a more traditional bazaar experience. Nightlife centers around restaurants and cafes in Clifton and DHA, as alcohol is prohibited in Pakistan. Cricket is the predominant sport, with National Stadium hosting international matches.
Sources: TripAdvisor Karachi, Culture Trip
Daily Life in Karachi: Transportation and Local Culture
Daily life in Karachi is characterized by the city's bustling energy, diverse culture, and the warmth of its people. Despite challenges like traffic congestion, Karachiites are known for their hospitality, resilience, and entrepreneurial spirit. English is widely spoken in business and educated circles, making it relatively easy for expatriates to navigate daily interactions.
Getting Around
Karachi's public transport system has seen significant improvements in recent years. The Karachi Breeze BRT (Bus Rapid Transit) network includes the operational Green Line (26 km, 22 stations) running from Surjani to Merewether Tower, and the Orange Line. The Red Line and Yellow Line are under construction with completion expected by 2025-2026. The Peoples Bus Service operates air-conditioned buses on 12 routes across the city, with fares of PKR 80 (up to 15 km) or PKR 120 (above 15 km). Pink Buses are dedicated women-only services. Ride-hailing apps Uber and Careem are widely used and offer safe, air-conditioned travel. Traditional options include yellow taxis, rickshaws, and the distinctive painted minibuses. Most expatriates prefer having a private vehicle with a driver, which is affordable given local salary rates.
Cultural Particularities
Karachi's food scene is legendary, offering everything from street food staples like biryani, nihari, and seekh kebabs on Burns Road to fine dining with international cuisines. The city observes Islamic holidays, with Ramadan being a significant period when restaurants operate on modified hours. Friday is the weekly holiday for many businesses, though shopping centers remain open. Dress code is generally conservative, though international business attire is standard in corporate settings. The city has a subtropical climate with hot summers (temperatures reaching 40°C) and mild winters (10-25°C from November to February), making winter the most pleasant season for outdoor activities.
Sources: TransKarachi, Transport in Karachi
Cost of Living in Karachi: Budget Planning for Expatriates
Karachi consistently ranks among the world's most affordable cities for expatriates. With a cost of living index approximately 70% lower than major Western cities, foreigners earning international salaries can enjoy a comfortable lifestyle. However, costs vary significantly based on lifestyle choices, with premium housing, international schools, and imported goods commanding higher prices.
Monthly Budget: Single Person
The following table estimates monthly expenses for a single expatriate maintaining a comfortable lifestyle:
Category | Budget (PKR) | Budget (USD) |
Rent (1-bed, city center) | 36,500 | 130 |
Utilities (electricity, water, gas) | 15,000 | 54 |
Internet (60 Mbps+) | 3,500 | 13 |
Groceries | 25,000 | 89 |
Dining out (8 meals) | 15,000 | 54 |
Transportation | 10,000 | 36 |
Health insurance (private) | 10,000 | 36 |
Total (Single) | 115,000 | ~412 |
Monthly Budget: Family of Four
The following table estimates monthly expenses for a family of four with two school-age children:
Category | Budget (PKR) | Budget (USD) |
Rent (3-bed, good area) | 100,000 | 357 |
Utilities | 31,000 | 111 |
Internet + mobile | 5,000 | 18 |
Groceries | 60,000 | 214 |
School fees (2 children, private) | 80,000 | 286 |
Transportation (car + driver) | 40,000 | 143 |
Health insurance (family) | 25,000 | 89 |
Leisure and entertainment | 25,000 | 89 |
Total (Family) | 366,000 | ~1,307 |
Sources: Numbeo 2025, Expatistan
In Short
Karachi offers expatriates a unique proposition: the economic opportunities of a major global city at a fraction of the cost. As Pakistan's commercial heart, it provides career prospects across diverse industries while delivering an exceptionally affordable lifestyle. The city's English-speaking environment, international schools, and secure expatriate neighborhoods in areas like DHA and Clifton make settling in relatively straightforward. While challenges exist—traffic, infrastructure gaps, and security considerations—the warmth of Karachiites, the rich cultural tapestry, and the coastal setting create a rewarding experience for those willing to embrace it. Whether you're drawn by business opportunities, attracted by the low cost of living, or intrigued by South Asian culture, Karachi welcomes you with open arms.
Connect with fellow expatriates and get practical advice on the Expat.com Karachi forum.
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