Last update: Nov 2026

Cost of Living Comparison Between Dharwad and Hong Kong

For one person, living is cheaper in Dharwad: $374 a month against $3,050 in Hong Kong, rent and utilities included – about $32,100 less a year. Rent and utilities account for most of the difference.

18

Cost of Living Index in Dharwad
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Dharwad Living Index
147

Cost of Living Index in Hong Kong
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Hong Kong Living Index

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Dharwad

🇮🇳 India

$374

/mo nomad

Hong Kong

🇭🇰 Hong Kong (China)

$3,050

/mo nomad

Monthly Cost of Living

How much you'll spend in Dharwad and in Hong Kong

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Dharwad and in Hong Kong actually costs, broken down by who's living it.

Monthly costs for one person with rent: $374 in Dharwad versus $3,050 in Hong Kong.

Dharwad $374
Hong Kong $3,050

Estimated couple costs with rent: $592 in Dharwad versus $4,786 in Hong Kong.

Dharwad $592
Hong Kong $4,786

Monthly costs for a family of three with rent: $809 in Dharwad versus $6,522 in Hong Kong.

Dharwad $809
Hong Kong $6,522

Living in Dharwad costs roughly 88% less than in Hong Kong, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Dharwad is 72% below, Hong Kong is 126% above.

Meal at Budget Restaurant

$3.31 ₹313

$8.37 HK$65.6

-60.45%

Three-Course Dinner for Two, Mid-Range

$7.24 ₹684

$63.4 HK$497

-88.58%

Fast Food Meal (McDonalds, etc)

$3.76 ₹355

$6.53 HK$51.2

-42.42%

Cappuccino

$1.64 ₹155

$5.15 HK$40.33

-68.16%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.38 ₹35.84

$1.38 HK$10.80

-72.46%

Water (0.33 liter bottle)

$0.10 ₹9.65

$1.13 HK$8.86

-91.15%

Local Beer (0.5 liter draught)

$1.55 ₹146

$7.73 HK$60.6

-79.95%

Imported Beer (0.33 liter bottle)

$2.93 ₹277

$5.56 HK$43.62

-47.30%

Milk (1 liter)

$0.68 ₹64.3

$2.94 HK$23.01

-76.87%

White Bread (500g)

$0.44 ₹41.66

$2.41 HK$18.91

-81.74%

Rice (white) (1kg)

$0.69 ₹64.9

$2.22 HK$17.42

-68.92%

Eggs

$0.84 ₹79.7

$3.41 HK$26.73

-75.37%

Local Cheese (1kg)

$4.64 ₹438

$23.18 HK$182

-79.98%

Chicken Fillets (1kg)

$2.92 ₹276

$8.67 HK$68.0

-66.32%

Beef Round Steak (1kg)

$17.90 HK$140

Apples (1kg)

$1.87 ₹177

$4.21 HK$33.02

-55.58%

Banana (1kg)

$0.63 ₹59.3

$2.58 HK$20.19

-75.58%

Oranges (1kg)

$0.94 ₹88.9

$4.68 HK$36.68

-79.91%

Tomato (1kg)

$0.45 ₹42.55

$4.00 HK$31.33

-88.75%

Potato (1kg)

$0.35 ₹33.52

$3.19 HK$24.98

-89.03%

Onion (1kg)

$0.38 ₹35.44

$3.27 HK$25.60

-88.38%

Lettuce (1 head)

$0.47 ₹44.11

$1.57 HK$12.29

-70.06%

Water (1.5 liter bottle)

$0.31 ₹29.58

$1.71 HK$13.44

-81.87%

Cigarettes 20 Pack (Marlboro, Camel)

$4.99 ₹472

$13.33 HK$105

-62.57%

Wine (Bottle)

$7.48 ₹706

$15.56 HK$122

-51.93%

Local Beer (0.5 liter bottle)

$1.66 ₹157

$2.02 HK$15.87

-17.82%

Imported Beer (0.33 liter bottle)

$2.74 ₹258

$2.28 HK$17.83

20.18%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$5.06 ₹478

One-way Ticket (Public Transport)

$0.21 ₹19.76

$1.23 HK$9.67

-82.93%

Public Transport Monthly Pass (Regular Price)

$7.05 ₹666

$87.6 HK$686

-91.95%

Taxi Start (Normal Tariff)

$0.80 ₹75.8

$3.76 HK$29.46

-78.72%

Taxi (Normal Tariff) (1km)

$0.27 ₹25.67

$1.30 HK$10.19

-79.23%

Taxi 1hour Waiting (Normal Tariff)

$1.60 ₹151

$15.93 HK$125

-89.96%

Gasoline (1 liter)

$1.13 ₹106

$4.27 HK$33.48

-73.54%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$11.4K ₹1.1M

$45.0K HK$352.7K

-74.74%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$19.6K ₹1.9M

$37.6K HK$294.8K

-47.92%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$34.36 ₹3,246

$237 HK$1,859

-85.51%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$3.17 ₹300

$15.46 HK$121

-79.50%

Internet (50+ Mbps, Unlimited Data)

$5.62 ₹531

$22.46 HK$176

-74.98%

Gym Membership (Monthly)

$13.98 ₹1,321

$97.4 HK$764

-85.65%

Tennis Court (1 Hour on Weekend)

$6.46 ₹611

$9.02 HK$70.7

-28.38%

Cinema Ticket

$2.87 ₹271

$12.98 HK$102

-77.89%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$45.89 ₹4,335

$1,302 HK$10.2K

-96.48%

International Primary School, 1 Child (Yearly)

$1,414 ₹133.6K

$30.3K HK$237.2K

-95.33%

Jeans (Levis 501 Or Similar)

$21.93 ₹2,072

$68.0 HK$533

-67.74%

Summer Dress (H&M, Zara, etc)

$23.56 ₹2,226

$42.80 HK$335

-44.95%

Sport Shoes (Adidas, Nike)

$39.27 ₹3,710

$81.3 HK$637

-51.71%

Men's Leather Business Shoes

$28.39 ₹2,682

$121 HK$949

-76.55%

1-bedroom Apartment, City Center (Monthly)

$119 ₹11.3K

$2,385 HK$18.7K

-95.00%

1-bedroom Apartment, Outside City Center (Monthly)

$76.5 ₹7,229

$1,794 HK$14.1K

-95.73%

3-bedroom Apartment, City Center (Monthly)

$263 ₹24.9K

$5,695 HK$44.6K

-95.37%

3-bedroom Apartment, Outside City Center (Monthly)

$185 ₹17.5K

$3,786 HK$29.7K

-95.12%

Buy Apartment in City Center (m2)

$932 ₹88.1K

$28.8K HK$226.0K

-96.77%

Buy Apartment Outside City Center (m2)

$536 ₹50.6K

$18.9K HK$147.9K

-97.16%

Average Monthly Net Salary (After Tax)

$3,194 HK$25.0K

20-Year Fixed Mortgage Interest Rate (Annual %)

8.86

3.89

127.76%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Dharwad: November 3, 2026

Last update for Hong Kong: November 2, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Dharwad

$101 27%

Hong Kong

$407 13.3% 302% $305

Accommodation & Living

Dharwad

$77 20.4%

Hong Kong

$1.8K 58.8% 2244% $1.7K

Eating Out

Dharwad

$73 19.5%

Hong Kong

$208 6.8% 185% $135

Clothing & Footwear

Dharwad

$51 13.6%

Hong Kong

$141 4.6% 177% $90

Monthly Utilities & Internet

Dharwad

$43 11.5%

Hong Kong

$275 9% 537% $232

Sport & Entertainment

Dharwad

$20 5.3%

Hong Kong

$123 4% 526% $104

Getting Around

Dharwad

$10 2.7%

Hong Kong

$103 3.4% 924% $93

Cost Breakdown

A one-bedroom apartment in the center runs $119 in Dharwad and $2,385 in Hong Kong. Housing cost is often the main lever when comparing two cities.

Dining out: $7 in Dharwad vs $63 in Hong Kong for a mid-range dinner for two. Groceries echo the gap at $101 vs $407 per month, with Dharwad cheaper across the board.

Good to know

🇮🇳 Dharwad

🇭🇰 Hong Kong

🕒 Local time

14:51 2:51 PM

17:21 5:21 PM

2 h 30 min ahead of Dharwad

🌤 Weather

👥 Population

100,000

1,367,900 Capital

💱 Currency

Indian Rupee INR ₹

Hong Kong Dollar HKD $

📈 Exchange rate

1,000 INR = 10.59 USD

1,000 INR = 9.43 EUR

1 HKD = 0.128 USD

1 HKD = 0.114 EUR

Exchange rates and currency converter

HKD, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 94.47 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

Hong Kong Dollar exchange rates as of November 6, 2026: 1 USD = 7.84 HKD (1 HKD = 0.128 USD). 1 EUR = 8.8 HKD (1 HKD = 0.114 EUR).

USD to INR in detail →

On the map

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Between locations

Dharwad Hong Kong 4,180 km ≈ 6 h nonstop flight

From you

Dharwad
Hong Kong

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Dharwad vs Hong Kong: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $374 in Dharwad and $3,050 in Hong Kong, so Dharwad is about 88% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $562 in Dharwad and $4,576 in Hong Kong to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $119 in Dharwad versus $2,385 in Hong Kong. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $374 per month in Dharwad versus $3,050 in Hong Kong – Dharwad is about 88% cheaper, which adds up to real savings over time.

A monthly transit pass in Dharwad runs roughly 92% less than in Hong Kong. The price difference matters if you commute daily and watch your budget.

At $374 in Dharwad versus $3,050 in Hong Kong, a $1,200 budget is realistic in Dharwad but tight or insufficient in Hong Kong. The gap between the two cities makes Dharwad the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Dharwad and Hong Kong are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Dharwad gentler on the wallet – expenses run 88% less than in Hong Kong. Beyond cost, consider language, visa policies, and how big the international community is in each city.