Lima vs Cartagena
In short
Calculated from the figures below, with no overall “who wins” score.
Rent
✓in Lima cheaper — −37%
Family budget
≈ about equal≈ $665S/ 2,272 and ≈ $639COP 2,099,220 per month
Ready-made house
✓in Lima cheaper — −40%
In numbers
Exchange rate as of the date each figure was checked.
House or apartment rent
per month✓Lima≈ $734–1,270S/ 2,509–4,345cheaper by 37%Cartagena≈ $1,070–2,140COP 3.5–7.04MPiped gas
✓Lima≈ $0.5 per m³S/ 1.73 per m³cheaper by 35%Cartagena≈ $0.77 per m³COP 2,539 per m³Family groceries
per monthLima≈ $359S/ 1,228✓Cartagena≈ $290COP 953,232cheaper by 19%Family budget
per monthalmost equalLima≈ $665S/ 2,272Cartagena≈ $639COP 2,099,220Winter
averageLima15–18 °C15–18 °CCartagena24–31 °C24–31 °CPrecipitation
per yearLima13 mm13 mmCartagena1,017 mm1,017 mmReady-made house
purchase✓Lima$151k – 260,500$151k – 260,500cheaper by 40%Cartagena≈ $228–453kCOP 750–1,487.5M
By topic
A quick look at each city. Details and sources are on the city page.
Housing
Lima
Apartment price per m²: San Isidro 2605 dollars, Barranco 2556, Miraflores 2464, Surco 1818, La Molina 1510 (Q1 2026, central bank BCRP).
OfficialBCRP: apartment sale prices by district of Lima, dollars per m², Q1 2025 - Q1 2026 · checked 29 Sep 2026
A 100 m² three-bedroom apartment: Barranco 4345 soles a month, San Isidro 4182, Miraflores 3864, Surco 3070, La Molina 2509 (July 2026).
SpecialistInfobae: Urbania Index, apartment rents by district of Lima, July 2026 · checked 29 Sep 2026
Cartagena
A three-bedroom apartment by listings: median 5.5 million pesos a month (about 1,640 dollars), half within 3.5-7 million. In stratum 6 the median is 6.8 million.
SpecialistFincaraíz: three-bedroom apartments for rent in Cartagena · checked 6 Oct 2026
A resale three-bedroom by listings: median 975 million pesos (about 290 thousand dollars), half within 750 million - 1.49 billion. Mostly Bocagrande and Castillogrande.
SpecialistFincaraíz: three-bedroom apartments for sale in Cartagena · checked 6 Oct 2026
Money and prices
Lima
The INEI minimum food basket for Lima is 307 soles per person a month, about 1228 for a family of four. Figures for 2025.
OfficialINEI: Perú, evolución de la pobreza monetaria 2016-2025 · checked 29 Sep 2026
A family of four in Lima counts as poor at spending below 2272 soles a month. The average Lima resident spends 1014 soles, about 4056 for four.
OfficialINEI: Perú, evolución de la pobreza monetaria 2016-2025 · checked 29 Sep 2026
Cartagena
The DANE minimum food basket for Cartagena is 238,308 pesos per person a month, about 953 thousand (285 dollars) for a family of four. Figures for 2025.
OfficialDANE: monetary poverty 2025, presentation of results with poverty lines by city · checked 6 Oct 2026
A family of four in Cartagena counts as poor with income below 2.1 million pesos a month, about 630 dollars (2025). 34.6% of residents are poor, more than in Medellín and Cali.
OfficialDANE: monetary poverty 2025, presentation of results with poverty lines by city · checked 6 Oct 2026
Family and kids
Lima
Well-known private schools in Lima for 2026: 1600–4426 soles a month plus an entrance fee. The American School Roosevelt: from 1747 dollars a month.
SpecialistInfobae: cost of private schools in Lima for 2026 based on the list by Padres magazine · checked 29 Sep 2026
Cartagena
Nothing yet
Healthcare
Lima
With a foreigner's card (carné de extranjería), a family can take the public insurance SIS Independiente: 39 soles a month for one person, 115 for a family of four or more. There is also a free plan.
OfficialSIS: questions and rates of the SIS Independiente plan · checked 29 Sep 2026
Cartagena
Hospital Serena del Mar of the Santa Fe de Bogotá foundation: in Colombia's top 20 in the Newsweek 2026 ranking and first in Cartagena and the Caribbean region. Over 60 specialties.
SpecialistEl Universal: Hospital Serena del Mar, first in Cartagena in the Newsweek 2026 ranking · checked 6 Oct 2026
Transport
Lima
The new terminal opened on 30 May 2025: 30 million passengers in the first year, up to 40 million by 2026. The first flights were LATAM to Atlanta and Iberia from Madrid.
OfficialMTC: opening of the new terminal at Jorge Chávez airport · checked 29 Sep 2026
The Metropolitano with a feeder route across the whole city is 3.50 soles; short trips on corridor buses are 1–1.50. The second metro line is free for now.
OfficialATU: how to save money on the Metropolitano and corridor buses · checked 29 Sep 2026
Cartagena
In 2025 about 7.2 million passengers passed through Cartagena airport, 1.7 million of them international. The most popular destinations are Lima, New York, Mexico City, Madrid and Miami.
OfficialAerocivil, open data: commercial air traffic by origin-destination, 2020-2026 · checked 6 Oct 2026
Climate
Lima
The coldest month is August: average minimum 14.6 degrees, maximum 18.4. July and September are almost the same; in February it is 19.4 and 26.5.
OfficialWMO, World Weather Information Service: climate normals for Lima · checked 29 Sep 2026
There is almost no rain: about 13 mm a year, and no month above 5.4 mm. In winter, instead of rain there is garúa drizzle, which wets the streets but barely shows up in millimetres.
OfficialWMO, World Weather Information Service: climate normals for Lima · checked 29 Sep 2026
In winter humidity is above 90% and reaches 99%: fog, garúa drizzle, dense cloud cover by the sea. Because of the dampness, 15 degrees feels like 13–14.
SpecialistAndina: winter 2025 in Lima, SENAMHI forecast for temperature and humidity · checked 29 Sep 2026
Cartagena
There is no winter: even in the coolest month, January, it averages 23.6 degrees at night and 30.5 during the day. In June-July, 25.7 at night and 31.6 during the day.
OfficialWMO, World Weather Information Service: climate normals of Cartagena 1971-2000 · checked 6 Oct 2026
About 1,020 mm a year. From December to April it is almost dry (1-35 mm a month), rains from May to November, most of all in October: 235 mm and 16 rainy days.
OfficialWMO, World Weather Information Service: climate normals of Cartagena 1971-2000 · checked 6 Oct 2026
Safety
Lima
In 2025, 27.6% of Lima residents aged over 15 were victims of crime. In the zone with Miraflores and San Isidro it was 21.5%, in the east with La Molina 31.3%.
OfficialINEI: Victimización en el Perú 2025, ENAPRES survey · checked 29 Sep 2026
The IGP geophysical institute expects an earthquake stronger than M8.8 near Lima with a tsunami above 8 m. The last one like that was in 1746; when the next will come is unknown.
OfficialIGP: the 1746 earthquake and the expected seismic scenario for Lima · checked 29 Sep 2026
Cartagena
According to Ministry of Defense open data, Cartagena had 360 homicides in 2025 and 381 in 2024. In January-August 2026 there were 191, against 244 in the same period of 2025.
OfficialColombian Ministry of Defense, open data: homicides by municipality (HOMICIDIO) · checked 6 Oct 2026
Internet and phone
Lima
WIN fibre in Lima: 500 Mbit/s for 99 soles a month, 850 for 119, 1000 for 139. The line is symmetric, traffic is unlimited, and the first month is cheaper.
SpecialistWIN: home fiber-optic internet plans for Lima and Callao · checked 29 Sep 2026
Cartagena
Nothing yet
Services
Lima
Luz del Sur from August 2026: 75.56 centimos per kWh for consumption above 140 kWh and 2.66 soles a month. For 300 kWh the bill comes to about 229 soles.
OfficialLuz del Sur: electricity tariffs including IGV, pliego of 4 August 2026 (document “Tarifas - Setiembre 2026”) · checked 29 Sep 2026
Water and sewerage: the first 10 m³ at 3.58 soles, more after that. A bill for 15 m³ is about 72 soles with IGV tax; this is a calculation based on the Sedapal tariff.
OfficialSunass: resolution 00145-2025-SUNASS-CD, Sedapal tariff structure for year 5 of the 2022-2027 period · checked 30 Sep 2026
Piped gas from Cálidda, September 2026: about 1.73 soles per m³ with tax and 1.29 soles a month. For 30 m³ it comes to about 53 soles. The network is not available everywhere.
OfficialCálidda: tariff table for piped gas in Lima and Callao, service for September 2026 (Osinergmin) · checked 30 Sep 2026
Cartagena
Water with sewerage for 15 m³ at the Aguas de Cartagena tariff: stratum 4 about 136 thousand pesos a month (41 dollars), stratum 5 about 241 thousand, stratum 6 about 289 thousand.
OfficialAguas de Cartagena: water and sewerage tariffs, second half of 2026 · checked 6 Oct 2026
Surtigas piped gas for homes: 2,539 pesos per m³ plus 3,942 pesos a month per bill. 30 m³ comes to about 80 thousand pesos (24 dollars). Strata 5-6 pay 20% more.
OfficialSurtigas: piped gas tariffs for regulated users, September 2026 · checked 6 Oct 2026
Since September 2026 a kWh from Afinia costs 1,033 pesos, the price for stratum 4. 300 kWh a month is about 310 thousand pesos (93 dollars), a typical amount for a family with air conditioning.
SpecialistEl Universal: Afinia's price per kWh rose from 950 to 1,033 pesos from September 2026 · checked 6 Oct 2026

