Cost of Living Comparison Between Kalyani and Shivamogga Cost of Living Comparison Between Kalyani and Shivamogga

Monthly Cost of Living

Monthly costs for one person with rent: $385 in Kalyani versus $377 in Shivamogga.

Estimated couple costs with rent: $624 in Kalyani versus $603 in Shivamogga.

Monthly costs for a family of three with rent: $863 in Kalyani versus $828 in Shivamogga.

Living in Kalyani is roughly 2% more expensive than in Shivamogga, driven mainly by Groceries & Markets.

Both cities sit below the global median: Kalyani 71% lower, Shivamogga 72% lower.

Meal at Budget Restaurant

$3.22 ₹307

$3.21 ₹306

0.31%

Three-Course Dinner for Two, Mid-Range

$11.75 ₹1,121

$15.38 ₹1,467

-23.60%

Fast Food Meal (McDonalds, etc)

$5.03 ₹480

$5.19 ₹495

-3.08%

Cappuccino

$1.85 ₹177

$1.32 ₹126

40.15%

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

$0.24 ₹22.90

$0.35 ₹33.84

-31.43%

Water (0.33 liter bottle)

$0.14 ₹13.83

$0.23 ₹22.00

-39.13%

Local Beer (0.5 liter draught)

$1.72 ₹164

$1.31 ₹125

31.30%

Imported Beer (0.33 liter bottle)

$2.88 ₹275

$2.83 ₹270

1.77%

Milk (1 liter)

$0.72 ₹69.1

$0.56 ₹53.8

28.57%

White Bread (500g)

$0.43 ₹41.04

$0.49 ₹46.75

-12.24%

Rice (white) (1kg)

$0.65 ₹61.8

$0.79 ₹75.7

-17.72%

Eggs

$0.86 ₹82.4

$0.84 ₹80.0

2.38%

Local Cheese (1kg)

$5.41 ₹516

$4.44 ₹424

21.85%

Chicken Fillets (1kg)

$2.97 ₹283

$3.10 ₹296

-4.19%

Apples (1kg)

$2.46 ₹234

$2.16 ₹206

13.89%

Banana (1kg)

$0.61 ₹58.0

$0.73 ₹69.5

-16.44%

Oranges (1kg)

$0.67 ₹64.2

$0.50 ₹47.74

34.00%

Tomato (1kg)

$0.64 ₹61.4

$0.42 ₹40.44

52.38%

Potato (1kg)

$0.35 ₹33.73

$0.41 ₹39.14

-14.63%

Onion (1kg)

$0.56 ₹53.6

$0.46 ₹43.98

21.74%

Lettuce (1 head)

$0.41 ₹39.21

$0.24 ₹22.98

70.83%

Water (1.5 liter bottle)

$0.30 ₹28.80

$0.43 ₹40.95

-30.23%

Cigarettes 20 Pack (Marlboro, Camel)

$3.30 ₹314

$3.43 ₹327

-3.79%

Wine (Bottle)

$7.96 ₹759

$6.73 ₹642

18.28%

Local Beer (0.5 liter bottle)

$1.38 ₹132

$0.95 ₹90.6

45.26%

Imported Beer (0.33 liter bottle)

$2.52 ₹240

$1.73 ₹165

45.66%

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

$7.29 ₹696

$4.47 ₹426

63.09%

One-way Ticket (Public Transport)

$0.28 ₹26.45

$0.30 ₹28.83

-6.67%

Public Transport Monthly Pass (Regular Price)

$8.79 ₹839

$8.92 ₹850

-1.46%

Taxi Start (Normal Tariff)

$0.57 ₹54.1

$1.14 ₹108

-50.00%

Taxi (Normal Tariff) (1km)

$0.13 ₹12.05

Taxi 1hour Waiting (Normal Tariff)

$2.00 ₹191

$2.30 ₹220

-13.04%

Gasoline (1 liter)

$1.20 ₹114

$1.14 ₹109

5.26%

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

$16.0K ₹1.5M

$11.2K ₹1.1M

42.70%

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

$22.3K ₹2.1M

$32.0K ₹3.0M

-30.26%

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

$42.41 ₹4,045

$23.10 ₹2,203

83.59%

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

$3.47 ₹331

$1.93 ₹184

79.79%

Internet (50+ Mbps, Unlimited Data)

$5.09 ₹485

$8.93 ₹852

-43.00%

Gym Membership (Monthly)

$9.70 ₹925

$8.19 ₹781

18.44%

Tennis Court (1 Hour on Weekend)

$7.13 ₹680

$6.96 ₹664

2.44%

Cinema Ticket

$2.56 ₹244

$2.49 ₹238

2.81%

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

$21.38 ₹2,039

$52.3 ₹4,989

-59.12%

International Primary School, 1 Child (Yearly)

$889 ₹84.8K

$1,937 ₹184.7K

-54.12%

Jeans (Levis 501 Or Similar)

$16.96 ₹1,618

$33.31 ₹3,177

-49.08%

Summer Dress (H&M, Zara, etc)

$30.75 ₹2,933

$28.75 ₹2,742

6.96%

Sport Shoes (Adidas, Nike)

$38.30 ₹3,653

$50.3 ₹4,794

-23.81%

Men's Leather Business Shoes

$31.63 ₹3,017

$24.25 ₹2,313

30.43%

1-bedroom Apartment, City Center (Monthly)

$123 ₹11.7K

$122 ₹11.7K

0.10%

1-bedroom Apartment, Outside City Center (Monthly)

$74.9 ₹7,141

$86.0 ₹8,201

-12.92%

3-bedroom Apartment, City Center (Monthly)

$269 ₹25.7K

$276 ₹26.4K

-2.49%

3-bedroom Apartment, Outside City Center (Monthly)

$183 ₹17.4K

$180 ₹17.2K

1.41%

Average Monthly Net Salary (After Tax)

$297 ₹28.4K

$344 ₹32.8K

-13.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.5

8.47

-11.45%

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

Last update for Kalyani: July 26, 2026

Last update for Shivamogga: July 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $123 in Kalyani and $122 in Shivamogga. Housing cost is often the main lever when comparing two cities.

Shivamogga pays 16% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $12.00 in Kalyani vs $15.00 in Shivamogga. Groceries flip the comparison at $106 vs $95.0, with Shivamogga cheaper for home cooking.

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

Kalyani vs Shivamogga: Cost of Living - Frequently Asked Questions

Shivamogga is cheaper overall, especially in Groceries & Markets, Eating Out, Sport & Entertainment. The 2% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 16% lower in Shivamogga. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $123 in Kalyani versus $122 in Shivamogga. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Shivamogga – a meal for two runs $15.00 versus $12.00 in Kalyani. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $385 per month in Kalyani versus $377 in Shivamogga – a 2% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $800 a month, though Shivamogga 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, Kalyani and Shivamogga 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 Shivamogga gentler on the wallet – expenses run 2% less than in Kalyani. Beyond cost, consider language, visa policies, and how big the international community is in each city.