Living In Pakistan: A Guide To Moving To Pakistan As An Expat

To the world’s more intrepid explorers, Pakistan is fast-becoming a destination for those seeking a life beyond borders. With its rich history and vibrant culture, the South Asian nation has been gaining attraction among expats and digital nomads in search of a fresh adventure. As industries open up to foreign talent, the opportunity to shape a meaningful career and carve out a real place in the Pakistani community has never been more within grasp.

With a population exceeding 230 million, including 47,000 British expats, Pakistan tells a story of diversity and resilience, offering a unique blend of traditional and modern styles of living, from the bustling urban centres of Islamabad and Lahore to serene mountainous landscapes. Immerse yourself in the local hospitality, savour traditional Pakistani cuisine and enjoy a culture that values both its heritage and a desire for progress.

If Pakistan sounds like your next destination, use this article as a practical guide, helping you navigate everything from the cost of living in Pakistan’s most popular expat cities, to visa requirements and finding the best jobs. Here’s everything you need to know about living expat life in Pakistan.

Life in Pakistan: What to expect from moving to Pakistan as an expat

With the Arabian Sea and Gulf of Oman to the south, and land borders with India, Afghanistan, Iran and China, Pakistan is a country with an eclectic mix of cultural influences, having been ruled by various kingdoms, empires and dynasties throughout its history.

Today, Pakistan is the fifth most populous country in the world and continues to make good economic progress year-on-year, with a GDP growth rate of 6.5% as of 2021. That said, Pakistan is still very much a developing country with ongoing political upheaval, and expats considering the move to live and work in Pakistan should make sure to put their safety first and have good international health insurance in place.

What is life in Pakistan like?

Expats in Pakistan can expect a warm and hospitable culture, with locals often extending a welcoming hand to newcomers. However, concerns about safety and crime rates, while improving, do still exist. Expats are advised to stay informed, take necessary precautions, and be mindful of their surroundings.

The economy in Pakistan is experiencing a period of growth, offering expats a range of job opportunities, especially in sectors like IT, finance, manufacturing, and telecommunications. The cost of living in Pakistan is also generally reasonable compared to most Western countries, providing expats with the chance to enjoy a comfortable lifestyle without breaking the bank. Navigating the job market may require some adaptability and networking, but the potential for professional growth as an expat in Pakistan is substantial.

Access to amenities and the quality of public transport varies across regions, with buses tending to be overcrowded and drivers often reported for recklessness on the roads. Expats in Pakistan will benefit greatly if they can afford a personal car, allowing them to navigate the country in comfort.

In major cities, like Islamabad, Lahore and Karachi, expats can enjoy all the usual modern amenities, including shopping centres, restaurants, cinemas and cultural attractions. Meanwhile, cricket is by far the most popular sport in Pakistan, so if you want to get involved with the locals, be sure to find a screen on match days.

And finally, Pakistan is primarily an Islamic country, with religion playing a significant role in shaping the culture, traditions and daily life of people in Pakistan. From expectations around public dress, to food and social norms, it’s key to be respectful of Islamic practices and traditions while living in Pakistan.

Is Pakistan safe for expats?

While Pakistan has its share of security challenges, including occasional incidents of violence and terrorism, many expats live and work in the country without any major issues. Safety in Pakistan has improved significantly since the Taliban peak in 2012 and cities like Islamabad, Lahore and Karachi now have large expat communities where efforts have been made to ensure the safety of foreign nationals.

As an expat in Pakistan, it can help to establish a network of local contacts, including fellow expats who can provide community and guidance on navigating safely through daily life.

How is the political situation in Pakistan?

Pakistan is undergoing a period of political unrest after former Prime Minister Imran Khan of the Pakistan Tehreek-e-Insaf (PTI) party was removed from office in a vote of no confidence and subsequently sentenced to 10 years in prison, while also being the subject of an assassination attempt.

Despite numerous accusations of electoral fraud, the February 2024 general election in Pakistan produced no clear majority, with votes split between the PTI, the Pakistan Muslim League (PML) and the Pakistan People’s Party (PPP). In March 2024, the PML and PPP, along with a number of smaller and independent parties, agreed to form a coalition government with Shehbaz Sharif – brother of disgraced politician Nawaz Sharif – becoming Prime Minister of Pakistan for the second time.

In the wake of Imran Khan’s arrest and the controversial 2024 election, the PTI has called on citizens across Pakistan to take part in organised protests, which have subsequently met with fierce and occasionally violent police resistance.

What language do they speak in Pakistan?

Pakistan is a multilingual country with several languages spoken across its regions. The two official languages of Pakistan are Urdu and English. Urdu is also the national language of Pakistan and is widely used in government, education, and on other official occasions. That said, only about 8% of Pakistanis speak Urdu as their first language.

Apart from Urdu and English, Pakistan is home to a variety of regional languages. Punjabi, is the most widely spoken of the regional languages, with 44% of Pakistani Punjabis using it as their first language. Meanwhile, Pashto, the official language of neighbouring Afghanistan, is spoken by over 15% of the population. Other languages include Sindhi and Balochi, which are prominent in some provinces.

When it comes to living in Pakistan, expats will find that locals often use their regional languages for daily communication, while Urdu and English are used as bridges for social contexts. It will be considered polite to learn some basic phrases in Urdu or Punjabi, even though expats should find navigating life with English as their main language.

Cost of living in Pakistan

The cost of living in Pakistan is generally lower compared to many Western countries, making it an attractive destination for expats and digital nomads. The affordability of everything from rent to transport and eating out makes Pakistan an easy place to enjoy a comfortable lifestyle.

This being said, the cost of living can increase in more affluent or expat-centric neighbourhoods, and certain imported goods may be more expensive. Additionally, factors such as education and healthcare could add to your monthly expenses.

Let’s take a closer look at the cost of day-to-day expenses in Pakistan’s most popular cities for expats.

Cost of living in Islamabad

Living in Islamabad is a popular choice for many expats moving to Pakistan. As the capital city, Islamabad offers all the modern amenities expats might expect, along with a good selection of international schools and healthcare facilities. Expats in Islamabad will also have a range of job opportunities available to them, especially for those working in technology or diplomacy.

The cost of living in Islamabad is far lower than in Western capitals, with the average price of rent in Islamabad being 93.1% lower than in London. The estimated cost of living in Islamabad (without rent) as a single person is around US$354.97 per month.

See the table below to get an idea of the average cost of living in Islamabad:

*As of January 2024 Numbeo

Cost of living in Lahore

As Pakistan’s second city, expats in Lahore come for its historic landmarks, bustling street markets and vibrant culture. Meanwhile, expats looking to work in Lahore will find opportunities in various sectors, including technology, education and healthcare.

The cost of living in Lahore is cheaper than Islamabad, with the average rent coming in 95.3% lower than in London. Meanwhile the cost of living for a single person averages just US$350 per month without rent, giving expats in Pakistan ample opportunity to make the most of the city’s thriving arts and cultural scene.

See the table below to get an idea of the average cost of living in Lahore:

*As of January 2024 Numbeo

Cost of living in Karachi

Pakistan’s coastal city and economic hub, Karachi offers expats a rich and cosmopolitan lifestyle. With access to scenic beaches and a bustling waterfront on the one side, and a thriving business district with job opportunities in finance and trade on the other, expats in Karachi are well placed to enjoy a truly balanced way of life.

The cost of living in Karachi is extremely affordable, with rents 95% lower than London and costs for a single person sitting around US$332 per month.

Here’s a closer look at the day-to-day cost of living in Karachi:

*As of January 2024 Numbeo

How do I open a bank account in Pakistan?

Opening a bank account as an expat in Pakistan should be pretty quick and simple, although specific requirements may vary between banks. Expats in Pakistan can also expect to pay a fee for a non-resident account, where those with residency can often open an account for free.

To open an expat account in Pakistan you’ll need to make an appointment at your nearest bank.

Many of the major banks will also let you start the application process online, though you may still need to visit a local branch to verify your identity.

To open a bank account in Pakistan, expats usually need to provide the following documents:

• Passport – Ensure that your passport is valid for at least six months beyond your intended stay in Pakistan.
• Visa – Submit a copy of a valid visa or work permit, allowing you to reside and work in Pakistan.
• Proof of residence – This might include a utility bill or rental agreement confirming your local address.
• Proof of identity – You’ll also need a second proof of identification, such as a driver’s licence or national ID card.
• Proof of income – This could be a letter from your employer or a copy of your work contract verifying your employment status and income.
• Bank deposit – Most banks in Pakistan require a minimum deposit to open an account, and this amount can vary. It typically ranges from PKR 5,000/US$18 to PKR 50,000/US$180 or more, depending on the bank and the type of account you choose.

Once you’ve submitted your application, the bank will review it and notify you of their decision – this usually takes around 7 to 15 days. If your application is approved, you will receive a bank card and can commence using your account for various transactions.

Healthcare in Pakistan

Healthcare for expats in Pakistan varies in quality and accessibility depending on where you live. In major cities like Islamabad, Lahore, and Karachi, you can find reputable hospitals and medical facilities offering a range of services, though access to certain treatments and specialised services may still be limited.

It is generally advisable to invest in international health insurance when moving to Pakistan to ensure you receive the best care available, or are able to evacuate to a country with better medical facilities in an emergency.

Expat property in Pakistan

Most expats in Pakistan choose to live in one of the country’s three main cities: Islamabad, Lahore or Karachi. Within these cities there are some key neighbourhoods that are popular to expats due to their safety, amenities and proximity to schools, healthcare facilities and business centres.

Let’s take a look at each city in more detail.

Where to live in Islamabad

The capital of Pakistan, these are some of the best places for expats to live in Islamabad:

• F-6 (Blue Area) – This area is at the heart of Islamabad and is close to government offices, diplomatic enclaves, and commercial hubs – a popular destination for those working in government and policy.
• F-7 (Jinnah Super) – Known for its upscale living, F-7 is in close proximity to the city centre offering a range of luxurious homes, high-end shopping, and a variety of dining options – ideal for expats looking for a higher standard of living.
• F-8 – This area is popular for its peaceful residential atmosphere, with tree-lined streets and parks. It’s also close to the city centre and provides easy access to amenities.
• F-10 – A residential area popular among families moving to Pakistan, F-10 offers a mix of different housing options, including apartments and houses. It also benefits from being close to lots of good international schools.
• E-7 (Margalla Road) – This area is favoured for its scenic views of the Margalla Hills National Park. It provides a quieter environment while still within driving distance of the city centre.
• Bahria Town – Situated on the outskirts of Islamabad, Bahria Town offers a more modern community living experience with everything including parks, schools, and shopping centres all within a campus-style location.

Where to live in Lahore

Another popular destination for expats in Pakistan, here are some of the best places to live in Lahore:

• DHA (Defence Housing Authority) – originally built to house military personal, DHA now provides various purpose-built residential areas, known for their security, cleanliness, and modern infrastructure including parks, schools, and healthcare facilities.
• Gulberg – At the heart of Lahore, Gulberg is known for its vibrant atmosphere, shopping districts, and upscale housing, with its proximity to the commercial centre making it convenient for expats working in Lahore.
• Model Town – Model Town is a well-established residential area with tree-lined streets and parks. It has a mix of independent houses and apartments, along with shopping centres and schools.
• Cavalry Ground – Cavalry Ground is another popular choice for expats working in Lahore. It offers a range of housing options, including apartments and houses, and is close to the commercial centre.
• Bahria Town Lahore – Similar to its Islamabad counterpart, Bahria Town Lahore is a planned community on the outskirts of the city. It provides modern amenities, parks, and a secure living environment for expats moving to Pakistan.
• Lahore Cantonment – Lahore Cantt. is known for its greenery, wide roads, and a mix of residential and commercial areas. It offers a quieter option compared to the city centre.

Where to live in Karachi

Pakistan’s popular coastal city, Karachi attracts expats who are looking for a less metropolitan lifestyle. Some of the best places for expats to live in Karachi include:

• Clifton – Located near the Arabian Sea, Clifton is an upscale residential area popular among expats for its high-end facilities and proximity to the beach.
• DHA – Similar to its counterpart in Lahore, DHA Karachi is a well-planned residential area known for its security, modern infrastructure, including parks, schools and healthcare services.
• Pakistan Employees Cooperative Housing Society (PECHS) – A centrally located area known for its accessibility, with good proximity to international schools and Karachi’s commercial centre.
• Boat Basin – This area is renowned for its diverse culinary scene, with numerous restaurants and cafes just a stone’s throw away. It’s a lively and central location, making it popular among expatriates.
• Karachi Cantontment – Primarily an army area, Karachi Cantt. also has some residential housing that’s popular with expats for its peaceful atmosphere and green spaces.

Can expats buy property in Pakistan?

Yes, expats can buy both residential and commercial property in Pakistan. This includes the purchase of land, houses and apartments. However, the process of buying as a foreign national can be lengthy, and there are a number of procedures you will need to follow in order to seal the deal.

These include obtaining a National Tax Number (NTN), and a No Objection Certificate (NOC) from the local registration office. Expats wanting to buy property in Pakistan will also need to pay a registration fee, stamp duty, and transfer fees.

If you’re interested in buying property in Pakistan, it is best to work with legal advisors, real estate professionals, or property agents familiar with the local regulations to ensure a smooth exchange process.

Jobs, visas and working in Pakistan

Pakistan’s economy provides diverse opportunities for expats, spanning agriculture, manufacturing (particularly textiles), and a rapidly growing service industry. Expats looking for skilled work in Pakistan can find roles in sectors like engineering, healthcare, education, and IT, with major cities like Karachi, Lahore, and Islamabad serving as key hubs. The construction industry is also flourishing, and NGOs and international agencies offer opportunities in social development and health sciences.

What is the average expat salary in Pakistan?

The average annual salary in Pakistan hovers around 983,100 PKR/US$3,513, with a broad range spanning from the lowest average of approximately 247,800 PKR/US$885 to the highest average of 4,380,400PKR/US$15,657.

This considerable salary variation is influenced by factors such as experience, location, skills, and gender. On average, male employees earn about 1,037,600 PKR/US$3,708, while their female counterparts earn 884,700 PKR/US$3,162, indicating a sizeable gender pay gap of 17% for similar job roles.

How much tax will I pay in Pakistan?

The amount of tax you’ll pay as an expat in Pakistan is determined by your residency status, as defined below:

Resident individual

• Expats living in Pakistan for 183 days or more in a tax year are considered residents for tax purposes.
• Residents are taxed on their worldwide income.

Non-resident individual

• Expats living in Pakistan for less than 183 days in a tax year are considered non-resident.
• Non-residents are taxed only on their Pakistan-source income.

The percentage of income tax you pay depends on how much you earn in a tax year. See the table* below for a full breakdown:

*Correct as of January 2024, PWC

Do I need a visa to live and work in Pakistan?

Yes, if you’re planning to live and work in Pakistan you will need to apply for a visa before you travel. Visas can take up to three months to process, so be sure to apply well in advance of your move.

There are lots of different types of visa depending on the nature of your visit and the length of time you want to live in Pakistan. You can see the full list of visas and their requirements on the Government of Pakistan website.

International health insurance for expats in Pakistan

Moving to another country can be challenging, but you can ensure peace of mind by making sure you have the right international health insurance.

At William Russell, we’ve specialised in helping expats like you move and settle into their new lives overseas for over 30 years. Our flexible international health insurance policy gives you access to the highest-quality treatment and includes emergency medical evacuation insurance as standard.

Speak to us today to learn more about how our expat health insurance could benefit you and your family – and good luck moving to Pakistan!