Last update: Oct 2026

Cost of Living Comparison Between Mumbai (Bombay) and Dharwad

For one person, living is cheaper in Dharwad: $372 a month against $813 in Mumbai (Bombay), rent and utilities included – about $5,300 less a year. Rent and utilities account for most of the difference.

39

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index
18

Cost of Living Index in Dharwad
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Dharwad Living Index

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Mumbai (Bombay)

🇮🇳 India

$813

/mo nomad

Dharwad

🇮🇳 India

$372

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $813 in Mumbai (Bombay) versus $372 in Dharwad.

Mumbai (Bombay) $813
Dharwad $372

Estimated couple costs with rent: $1,352 in Mumbai (Bombay) versus $577 in Dharwad.

Mumbai (Bombay) $1,352
Dharwad $577

Monthly costs for a family of three with rent: $1,891 in Mumbai (Bombay) versus $781 in Dharwad.

Mumbai (Bombay) $1,891
Dharwad $781

Living in Mumbai (Bombay) is roughly 118% more expensive than in Dharwad, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Mumbai (Bombay) 40% lower, Dharwad 73% lower.

Meal at Budget Restaurant

$5.35 ₹508

$3.43 ₹325

55.98%

Three-Course Dinner for Two, Mid-Range

$20.87 ₹1,982

$7.45 ₹707

180.13%

Fast Food Meal (McDonalds, etc)

$4.08 ₹387

$3.71 ₹352

9.97%

Cappuccino

$2.78 ₹264

$1.59 ₹151

74.84%

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

$0.40 ₹38.24

$0.41 ₹38.66

-2.44%

Water (0.33 liter bottle)

$0.15 ₹14.42

$0.14 ₹13.09

7.14%

Local Beer (0.5 liter draught)

$2.64 ₹251

$1.56 ₹148

69.23%

Imported Beer (0.33 liter bottle)

$4.25 ₹404

$3.01 ₹286

41.20%

Milk (1 liter)

$0.74 ₹70.5

$0.67 ₹63.8

10.45%

White Bread (500g)

$0.54 ₹51.3

$0.46 ₹43.44

17.39%

Rice (white) (1kg)

$0.78 ₹74.1

$0.65 ₹61.3

20.00%

Eggs

$1.00 ₹95.1

$0.85 ₹80.8

17.65%

Local Cheese (1kg)

$5.61 ₹533

$4.02 ₹382

39.55%

Chicken Fillets (1kg)

$3.58 ₹340

$2.88 ₹273

24.31%

Apples (1kg)

$2.17 ₹206

$1.92 ₹182

13.02%

Banana (1kg)

$0.69 ₹65.8

$0.67 ₹63.3

2.99%

Oranges (1kg)

$1.21 ₹114

$0.95 ₹90.2

27.37%

Tomato (1kg)

$0.49 ₹46.33

$0.45 ₹42.76

8.89%

Potato (1kg)

$0.33 ₹31.71

$0.36 ₹33.84

-8.33%

Onion (1kg)

$0.37 ₹35.53

$0.37 ₹35.52

Lettuce (1 head)

$0.44 ₹41.79

$0.40 ₹38.37

10.00%

Water (1.5 liter bottle)

$0.31 ₹29.64

$0.29 ₹27.53

6.90%

Cigarettes 20 Pack (Marlboro, Camel)

$5.00 ₹475

$5.51 ₹523

-9.26%

Wine (Bottle)

$8.34 ₹792

$6.26 ₹594

33.23%

Local Beer (0.5 liter bottle)

$1.99 ₹189

$1.59 ₹151

25.16%

Imported Beer (0.33 liter bottle)

$3.12 ₹296

$2.99 ₹284

4.35%

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

$6.01 ₹570

$4.27 ₹405

40.75%

One-way Ticket (Public Transport)

$0.20 ₹18.95

$0.23 ₹21.86

-13.04%

Public Transport Monthly Pass (Regular Price)

$6.90 ₹655

$7.08 ₹672

-2.54%

Taxi Start (Normal Tariff)

$0.31 ₹29.84

$0.86 ₹81.6

-63.95%

Taxi (Normal Tariff) (1km)

$0.31 ₹29.41

$0.25 ₹24.21

24.00%

Taxi 1hour Waiting (Normal Tariff)

$1.61 ₹153

$1.62 ₹154

-0.62%

Gasoline (1 liter)

$1.10 ₹105

$1.13 ₹107

-2.65%

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

$15.6K ₹1.5M

$12.1K ₹1.1M

28.97%

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

$22.4K ₹2.1M

$21.7K ₹2.1M

3.46%

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

$61.9 ₹5,873

$34.58 ₹3,283

78.86%

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

$4.52 ₹429

$3.12 ₹297

44.87%

Internet (50+ Mbps, Unlimited Data)

$8.97 ₹852

$5.82 ₹552

54.12%

Gym Membership (Monthly)

$37.11 ₹3,524

$14.37 ₹1,364

158.25%

Tennis Court (1 Hour on Weekend)

$14.11 ₹1,340

$5.67 ₹538

148.85%

Cinema Ticket

$5.01 ₹476

$2.98 ₹283

68.12%

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

$119 ₹11.3K

$46.87 ₹4,450

153.92%

International Primary School, 1 Child (Yearly)

$4,948 ₹469.8K

$1,442 ₹136.9K

243.10%

Jeans (Levis 501 Or Similar)

$36.37 ₹3,453

$19.92 ₹1,892

82.58%

Summer Dress (H&M, Zara, etc)

$38.71 ₹3,675

$26.08 ₹2,476

48.43%

Sport Shoes (Adidas, Nike)

$54.7 ₹5,196

$37.85 ₹3,594

44.60%

Men's Leather Business Shoes

$48.03 ₹4,561

$27.95 ₹2,654

71.84%

1-bedroom Apartment, City Center (Monthly)

$640 ₹60.7K

$121 ₹11.5K

429.72%

1-bedroom Apartment, Outside City Center (Monthly)

$372 ₹35.3K

$77.8 ₹7,387

377.72%

3-bedroom Apartment, City Center (Monthly)

$2,093 ₹198.7K

$266 ₹25.2K

687.65%

3-bedroom Apartment, Outside City Center (Monthly)

$925 ₹87.8K

$163 ₹15.4K

468.93%

Buy Apartment in City Center (m2)

$5,706 ₹541.8K

$967 ₹91.8K

489.96%

Buy Apartment Outside City Center (m2)

$2,560 ₹243.1K

$538 ₹51.1K

375.67%

Average Monthly Net Salary (After Tax)

$757 ₹71.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

8.29

8.86

-6.43%

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

Last update for Mumbai (Bombay): October 26, 2026

Last update for Dharwad: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Mumbai (Bombay)

$372 45.7%

Dharwad

$78 20.9% 79.1% $294

Groceries & Markets

Mumbai (Bombay)

$117 14.4%

Dharwad

$97 26% 17.3% $20

Eating Out

Mumbai (Bombay)

$112 13.8%

Dharwad

$74 19.8% 34.4% $39

Clothing & Footwear

Mumbai (Bombay)

$80 9.8%

Dharwad

$50 13.5% 37.1% $30

Monthly Utilities & Internet

Mumbai (Bombay)

$75 9.3%

Dharwad

$44 11.7% 42.2% $32

Sport & Entertainment

Mumbai (Bombay)

$47 5.8%

Dharwad

$20 5.5% 56.9% $27

Getting Around

Mumbai (Bombay)

$9.6 1.2%

Dharwad

$10 2.7% 6% $0.6

Cost Breakdown

A one-bedroom apartment in the center runs $640 in Mumbai (Bombay) and $121 in Dharwad. Housing cost is often the main lever when comparing two cities.

Dining out: $21 in Mumbai (Bombay) vs $7 in Dharwad for a mid-range dinner for two. Groceries echo the gap at $117 vs $97 per month, with Dharwad cheaper across the board.

Good to know

🇮🇳 Mumbai (Bombay)

🇮🇳 Dharwad

🕒 Local time

05:29 5:29 AM

Same time as Mumbai (Bombay)

🌤 Weather

👥 Population

12,442,373

100,000

💱 Currency

Indian Rupee INR ₹

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.43 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

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Mumbai (Bombay) Dharwad 460 km

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City Median Internet Speeds Comparison (Updated April 2026)

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Digital Nomad Cost of Living Index

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

Total monthly costs including rent come to $813 in Mumbai (Bombay) and $372 in Dharwad, so Dharwad is about 54% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,220 in Mumbai (Bombay) and $559 in Dharwad 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: $640 in Mumbai (Bombay) versus $121 in Dharwad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $813 per month in Mumbai (Bombay) versus $372 in Dharwad – Dharwad is about 54% cheaper, which adds up to real savings over time.

A monthly transit pass in Mumbai (Bombay) runs roughly 3% less than in Dharwad. The price difference matters if you commute daily and watch 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.