Last update: Oct 2026

Cost of Living Comparison Between Dharwad and Mumbai (Bombay)

For one person, living is cheaper in Dharwad: $371 a month against $782 in Mumbai (Bombay), rent and utilities included – about $4,900 less a year. Rent and utilities account for most of the difference.

18

Cost of Living Index in Dharwad
Learn more

Dharwad Living Index
38

Cost of Living Index in Mumbai (Bombay)
Learn more

Mumbai (Bombay) Living Index

Jump to prices

Dharwad

🇮🇳 India

$371

/mo nomad

Mumbai (Bombay)

🇮🇳 India

$782

/mo nomad

Monthly Cost of Living

How much you'll spend in Dharwad and in Mumbai (Bombay)

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 Mumbai (Bombay) actually costs, broken down by who's living it.

Monthly costs for one person with rent: $371 in Dharwad versus $782 in Mumbai (Bombay).

Dharwad $371
Mumbai (Bombay) $782

Estimated couple costs with rent: $582 in Dharwad versus $1,299 in Mumbai (Bombay).

Dharwad $582
Mumbai (Bombay) $1,299

Monthly costs for a family of three with rent: $792 in Dharwad versus $1,816 in Mumbai (Bombay).

Dharwad $792
Mumbai (Bombay) $1,816

Living in Dharwad costs roughly 53% less than in Mumbai (Bombay), and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Dharwad 73% lower, Mumbai (Bombay) 42% lower.

Meal at Budget Restaurant

$3.36 ₹319

$5.38 ₹511

-37.55%

Three-Course Dinner for Two, Mid-Range

$7.16 ₹680

$20.76 ₹1,971

-65.51%

Fast Food Meal (McDonalds, etc)

$4.21 ₹399

$4.19 ₹398

0.48%

Cappuccino

$1.59 ₹151

$2.74 ₹260

-41.97%

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

$0.37 ₹35.23

$0.41 ₹38.77

-9.76%

Water (0.33 liter bottle)

$0.11 ₹10.01

$0.16 ₹15.04

-31.25%

Local Beer (0.5 liter draught)

$1.56 ₹148

$2.59 ₹246

-39.77%

Imported Beer (0.33 liter bottle)

$3.22 ₹305

$4.17 ₹396

-22.78%

Milk (1 liter)

$0.67 ₹63.7

$0.75 ₹71.2

-10.67%

White Bread (500g)

$0.47 ₹44.20

$0.53 ₹50.5

-11.32%

Rice (white) (1kg)

$0.62 ₹58.8

$0.73 ₹69.6

-15.07%

Eggs

$0.85 ₹80.4

$0.96 ₹91.4

-11.46%

Local Cheese (1kg)

$4.14 ₹393

$5.52 ₹524

-25.00%

Chicken Fillets (1kg)

$2.78 ₹264

$3.58 ₹340

-22.35%

Apples (1kg)

$1.91 ₹181

$2.14 ₹203

-10.75%

Banana (1kg)

$0.63 ₹59.5

$0.69 ₹65.5

-8.70%

Oranges (1kg)

$0.94 ₹89.7

$1.23 ₹116

-23.58%

Tomato (1kg)

$0.48 ₹45.73

$0.46 ₹43.77

4.35%

Potato (1kg)

$0.32 ₹30.02

$0.36 ₹34.24

-11.11%

Onion (1kg)

$0.36 ₹34.58

$0.39 ₹37.12

-7.69%

Lettuce (1 head)

$0.47 ₹44.62

$0.40 ₹38.05

17.50%

Water (1.5 liter bottle)

$0.31 ₹29.46

Cigarettes 20 Pack (Marlboro, Camel)

$5.38 ₹511

$5.10 ₹485

5.49%

Wine (Bottle)

$7.27 ₹690

$8.12 ₹771

-10.47%

Local Beer (0.5 liter bottle)

$1.41 ₹134

$1.95 ₹185

-27.69%

Imported Beer (0.33 liter bottle)

$2.40 ₹228

$3.18 ₹302

-24.53%

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

$4.93 ₹468

$6.17 ₹586

-20.10%

One-way Ticket (Public Transport)

$0.25 ₹23.59

$0.20 ₹18.99

25.00%

Public Transport Monthly Pass (Regular Price)

$7.80 ₹741

$5.39 ₹512

44.71%

Taxi Start (Normal Tariff)

$0.80 ₹75.8

$0.31 ₹29.39

158.06%

Taxi (Normal Tariff) (1km)

$0.25 ₹24.12

$0.29 ₹28.01

-13.79%

Taxi 1hour Waiting (Normal Tariff)

$1.50 ₹142

$1.59 ₹151

-5.66%

Gasoline (1 liter)

$1.18 ₹112

$1.10 ₹104

7.27%

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

$13.3K ₹1.3M

$15.9K ₹1.5M

-16.12%

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

$17.1K ₹1.6M

$22.7K ₹2.2M

-24.59%

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

$34.48 ₹3,275

$61.6 ₹5,846

-43.99%

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

$3.09 ₹293

$4.25 ₹404

-27.29%

Internet (50+ Mbps, Unlimited Data)

$5.62 ₹533

$9.01 ₹855

-37.62%

Gym Membership (Monthly)

$13.87 ₹1,317

$27.24 ₹2,587

-49.08%

Tennis Court (1 Hour on Weekend)

$6.56 ₹623

$13.31 ₹1,264

-50.71%

Cinema Ticket

$2.95 ₹280

$4.38 ₹416

-32.65%

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

$47.71 ₹4,531

$116 ₹11.0K

-58.72%

International Primary School, 1 Child (Yearly)

$1,388 ₹131.8K

$4,968 ₹471.7K

-72.05%

Jeans (Levis 501 Or Similar)

$24.78 ₹2,353

$37.16 ₹3,529

-33.32%

Summer Dress (H&M, Zara, etc)

$21.34 ₹2,026

$39.88 ₹3,787

-46.49%

Sport Shoes (Adidas, Nike)

$42.91 ₹4,075

$55.9 ₹5,307

-23.21%

Men's Leather Business Shoes

$27.61 ₹2,622

$48.19 ₹4,576

-42.71%

1-bedroom Apartment, City Center (Monthly)

$122 ₹11.5K

$611 ₹58.0K

-80.11%

1-bedroom Apartment, Outside City Center (Monthly)

$73.6 ₹6,985

$354 ₹33.6K

-79.24%

3-bedroom Apartment, City Center (Monthly)

$258 ₹24.5K

$1,829 ₹173.7K

-85.89%

3-bedroom Apartment, Outside City Center (Monthly)

$169 ₹16.0K

$877 ₹83.3K

-80.73%

Buy Apartment in City Center (m2)

$961 ₹91.3K

$5,877 ₹558.0K

-83.64%

Buy Apartment Outside City Center (m2)

$469 ₹44.5K

$2,448 ₹232.4K

-80.86%

Average Monthly Net Salary (After Tax)

$758 ₹72.0K

20-Year Fixed Mortgage Interest Rate (Annual %)

8.86

8.29

6.88%

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

Last update for Dharwad: October 12, 2026

Last update for Mumbai (Bombay): October 12, 2026

Monthly budget structure

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

Groceries & Markets

Dharwad

$97 26%

Mumbai (Bombay)

$116 14.8% 19.6% $19

Eating Out

Dharwad

$75 20.1%

Mumbai (Bombay)

$112 14.3% 50% $37

Accommodation & Living

Dharwad

$74 19.8%

Mumbai (Bombay)

$354 45.3% 382% $281

Clothing & Footwear

Dharwad

$52 14.1%

Mumbai (Bombay)

$82 10.4% 55.3% $29

Monthly Utilities & Internet

Dharwad

$43 11.6%

Mumbai (Bombay)

$75 9.6% 73.2% $32

Sport & Entertainment

Dharwad

$20 5.3%

Mumbai (Bombay)

$36 4.6% 82% $16

Getting Around

Dharwad

$11 2.9%

Mumbai (Bombay)

$8 1% 26.5% $2.9

Cost Breakdown

A one-bedroom apartment in the center runs $122 in Dharwad and $611 in Mumbai (Bombay). Housing cost is often the main lever when comparing two cities.

Dining out: $7.00 in Dharwad vs $21.00 in Mumbai (Bombay) for a mid-range dinner for two. Groceries echo the gap at $97.0 vs $116 per month, with Dharwad cheaper across the board.

Good to know

🇮🇳 Dharwad

🇮🇳 Mumbai (Bombay)

🕒 Local time

11:11 11:11 AM

Same time as Dharwad

🌤 Weather

👥 Population

100,000

12,442,373

💱 Currency

Indian Rupee INR ₹

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Dharwad Mumbai (Bombay) 460 km

From you

Dharwad
Mumbai (Bombay)

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 Mumbai (Bombay): Cost of Living - Frequently Asked Questions

Dharwad and Mumbai (Bombay) differ by about 111% in total monthly costs ($371 vs $782 including rent). Dharwad is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $557 in Dharwad and $1,173 in Mumbai (Bombay) 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: $122 in Dharwad versus $611 in Mumbai (Bombay). Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $371 per month in Dharwad versus $782 in Mumbai (Bombay) – a 111% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Dharwad runs roughly 45% less than in Mumbai (Bombay). Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Dharwad gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Mumbai (Bombay) are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Dharwad gentler on the wallet – expenses run 111% less than in Mumbai (Bombay). Beyond cost, consider language, visa policies, and how big the international community is in each city.