Last update: Nov 2026

Cost of Living Comparison Between Mumbai (Bombay) and Karnataka

For one person, living is cheaper in Karnataka: $327 a month against $811 in Mumbai (Bombay), rent and utilities included – about $5,800 less a year. Rent and utilities account for most of the difference.

38

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index
16

Cost of Living Index in Karnataka
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Karnataka Living Index

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Mumbai (Bombay)

🇮🇳 India

$811

/mo nomad

Karnataka

🇮🇳 India

$327

/mo nomad

Monthly Cost of Living

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

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 Karnataka actually costs, broken down by who's living it.

A single person spends $811 per month in Mumbai (Bombay) vs $327 in Karnataka, rent included.

Mumbai (Bombay) $811
Karnataka $327

A couple spends around $1,402 per month in Mumbai (Bombay) vs $539 in Karnataka, rent included.

Mumbai (Bombay) $1,402
Karnataka $539

A family of three spends $1,992 per month in Mumbai (Bombay) vs $752 in Karnataka, rent included.

Mumbai (Bombay) $1,992
Karnataka $752

Mumbai (Bombay) costs about 148% more than Karnataka, and outside of rent the biggest gap is in eating out.

Both Mumbai (Bombay) and Karnataka are more affordable than the global median – Mumbai (Bombay) 40% lower, Karnataka 76% lower.

Meal at Budget Restaurant

$5.12 ₹484

$1.03 ₹97.4

397.09%

Three-Course Dinner for Two, Mid-Range

$26.54 ₹2,508

$10.88 ₹1,028

143.93%

Fast Food Meal (McDonalds, etc)

$3.92 ₹370

$3.61 ₹341

8.59%

Cappuccino

$2.86 ₹270

$0.93 ₹87.6

207.53%

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

$0.40 ₹38.14

$0.42 ₹39.69

-4.76%

Water (0.33 liter bottle)

$0.14 ₹13.68

$0.14 ₹13.35

Local Beer (0.5 liter draught)

$2.71 ₹256

$1.88 ₹178

44.15%

Imported Beer (0.33 liter bottle)

$4.32 ₹408

$2.13 ₹201

102.82%

Milk (1 liter)

$0.74 ₹70.1

$0.52 ₹49.31

42.31%

White Bread (500g)

$0.52 ₹48.93

$0.45 ₹42.20

15.56%

Rice (white) (1kg)

$0.75 ₹71.3

$0.85 ₹80.1

-11.76%

Eggs

$1.02 ₹96.1

$0.88 ₹83.3

15.91%

Local Cheese (1kg)

$5.73 ₹541

$5.74 ₹542

-0.17%

Chicken Fillets (1kg)

$3.64 ₹344

$3.44 ₹325

5.81%

Apples (1kg)

$2.37 ₹224

$1.77 ₹167

33.90%

Banana (1kg)

$0.69 ₹65.4

$0.46 ₹43.47

50.00%

Oranges (1kg)

$1.25 ₹118

$0.83 ₹78.4

50.60%

Tomato (1kg)

$0.47 ₹44.82

$0.31 ₹28.84

51.61%

Potato (1kg)

$0.34 ₹32.35

$0.36 ₹33.57

-5.56%

Onion (1kg)

$0.37 ₹35.39

$0.44 ₹41.50

-15.91%

Lettuce (1 head)

$0.43 ₹40.45

$0.25 ₹23.59

72.00%

Water (1.5 liter bottle)

$0.31 ₹29.72

$0.27 ₹25.67

14.81%

Cigarettes 20 Pack (Marlboro, Camel)

$4.95 ₹468

$1.62 ₹153

205.56%

Wine (Bottle)

$8.43 ₹796

$4.39 ₹414

92.03%

Local Beer (0.5 liter bottle)

$1.99 ₹188

$1.97 ₹186

1.02%

Imported Beer (0.33 liter bottle)

$3.18 ₹300

$2.42 ₹228

31.40%

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

$6.04 ₹570

$2.26 ₹214

167.26%

One-way Ticket (Public Transport)

$0.22 ₹20.80

$0.23 ₹21.75

-4.35%

Public Transport Monthly Pass (Regular Price)

$5.63 ₹532

$7.07 ₹667

-20.37%

Taxi Start (Normal Tariff)

$0.37 ₹34.66

$0.54 ₹51.2

-31.48%

Taxi (Normal Tariff) (1km)

$0.33 ₹31.41

$0.28 ₹26.19

17.86%

Taxi 1hour Waiting (Normal Tariff)

$1.37 ₹129

$2.13 ₹201

-35.68%

Gasoline (1 liter)

$1.12 ₹106

$0.97 ₹91.5

15.46%

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

$15.7K ₹1.5M

$6,213 ₹586.9K

152.80%

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

$22.8K ₹2.2M

$12.5K ₹1.2M

81.82%

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

$69.6 ₹6,572

$17.67 ₹1,669

293.72%

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

$4.35 ₹411

$3.75 ₹354

16.00%

Internet (50+ Mbps, Unlimited Data)

$9.11 ₹860

$3.08 ₹291

195.78%

Gym Membership (Monthly)

$37.44 ₹3,536

$15.06 ₹1,423

148.61%

Tennis Court (1 Hour on Weekend)

$14.26 ₹1,347

$6.43 ₹608

121.77%

Cinema Ticket

$4.40 ₹416

$2.58 ₹243

70.54%

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

$118 ₹11.2K

$44.31 ₹4,186

167.39%

International Primary School, 1 Child (Yearly)

$6,043 ₹570.9K

$1,152 ₹108.8K

424.70%

Jeans (Levis 501 Or Similar)

$34.60 ₹3,269

$18.20 ₹1,719

90.11%

Summer Dress (H&M, Zara, etc)

$40.28 ₹3,805

$19.28 ₹1,822

108.92%

Sport Shoes (Adidas, Nike)

$52.2 ₹4,934

$52.9 ₹4,998

-1.29%

Men's Leather Business Shoes

$46.71 ₹4,413

$20.80 ₹1,965

124.57%

1-bedroom Apartment, City Center (Monthly)

$609 ₹57.5K

$121 ₹11.5K

401.90%

1-bedroom Apartment, Outside City Center (Monthly)

$364 ₹34.4K

$79.1 ₹7,471

360.70%

3-bedroom Apartment, City Center (Monthly)

$2,169 ₹204.9K

$272 ₹25.7K

698.49%

3-bedroom Apartment, Outside City Center (Monthly)

$995 ₹94.0K

$194 ₹18.3K

413.14%

Buy Apartment in City Center (m2)

$5,687 ₹537.2K

$917 ₹86.6K

520.29%

Buy Apartment Outside City Center (m2)

$2,662 ₹251.4K

$529 ₹50.0K

402.96%

Average Monthly Net Salary (After Tax)

$717 ₹67.8K

$526 ₹49.7K

36.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.26

7.9

4.56%

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

Last update for Mumbai (Bombay): November 2, 2026

Last update for Karnataka: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Mumbai (Bombay)

$364 45%

Karnataka

$79 24.2% 78.3% $285

Groceries & Markets

Mumbai (Bombay)

$119 14.7%

Karnataka

$97 29.7% 18.3% $22

Eating Out

Mumbai (Bombay)

$111 13.8%

Karnataka

$46 14.1% 58.6% $65

Monthly Utilities & Internet

Mumbai (Bombay)

$83 10.2%

Karnataka

$25 7.5% 70.5% $59

Clothing & Footwear

Mumbai (Bombay)

$78 9.7%

Karnataka

$50 15.3% 36% $28

Sport & Entertainment

Mumbai (Bombay)

$46 5.7%

Karnataka

$20 6.2% 56.3% $26

Getting Around

Mumbai (Bombay)

$8.5 1.1%

Karnataka

$9.9 3% 16% $1.4

Cost Breakdown

A central one-bedroom costs $609 in Mumbai (Bombay) versus $121 in Karnataka. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 36% higher in Mumbai (Bombay), which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $27 in Mumbai (Bombay) versus $11 in Karnataka. Monthly groceries follow the same trend: $119 vs $97 – making Karnataka the more affordable choice for daily food spending.

Good to know

🇮🇳 Mumbai (Bombay)

🇮🇳 Karnataka

🕒 Local time

06:47 6:47 AM

Same time as Mumbai (Bombay)

🌤 Weather

👥 Population

12,442,373

77,139

💱 Currency

Indian Rupee INR ₹

📈 Exchange rate

1,000 INR = 10.59 USD

1,000 INR = 9.43 EUR

1,000 INR = 10.59 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

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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 Karnataka: Cost of Living - Frequently Asked Questions

Mumbai (Bombay) costs about 148% more than Karnataka, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,216 per month in Mumbai (Bombay) and $491 in Karnataka. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Karnataka, especially for central apartments: a one-bedroom in the center costs $121 there versus $609 in Mumbai (Bombay).

Public transport costs about 20% less in Mumbai (Bombay). For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $118 per month in Mumbai (Bombay) and $44 in Karnataka. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $800 monthly budget goes further in Karnataka, where all-in costs run around $327, than in Mumbai (Bombay) at $811. In Karnataka it covers expenses comfortably, while in Mumbai (Bombay) it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Karnataka costs $327 versus $811 in Mumbai (Bombay). Both appeal to remote workers, and the cost gap matters when income varies month to month.

If budget matters most, go with Karnataka. If higher salaries or specific career opportunities are the priority, Mumbai (Bombay) makes more sense. Both are solid long-term options with distinct trade-offs.