Cost of Living Comparison Between Mumbai (Bombay) and Shivamogga Cost of Living Comparison Between Mumbai (Bombay) and Shivamogga

Monthly Cost of Living

Monthly costs for one person with rent: $783 in Mumbai (Bombay) versus $353 in Shivamogga.

Estimated couple costs with rent: $1,280 in Mumbai (Bombay) versus $571 in Shivamogga.

Monthly costs for a family of three with rent: $1,776 in Mumbai (Bombay) versus $790 in Shivamogga.

Living in Mumbai (Bombay) is roughly 122% more expensive than in Shivamogga, driven mainly by Eating Out.

Both cities sit below the global median: Mumbai (Bombay) 43% lower, Shivamogga 74% lower.

Meal at Budget Restaurant

$5.10 ₹487

$2.66 ₹254

91.73%

Three-Course Dinner for Two, Mid-Range

$20.90 ₹1,997

$13.32 ₹1,273

56.91%

Fast Food Meal (McDonalds, etc)

$4.18 ₹399

$4.68 ₹447

-10.68%

Cappuccino

$2.61 ₹250

$1.20 ₹114

117.50%

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

$0.38 ₹35.85

$0.36 ₹34.05

5.56%

Water (0.33 liter bottle)

$0.14 ₹13.06

$0.18 ₹17.61

-22.22%

Local Beer (0.5 liter draught)

$2.57 ₹246

$1.14 ₹108

125.44%

Imported Beer (0.33 liter bottle)

$4.27 ₹408

$2.59 ₹248

64.86%

Milk (1 liter)

$0.70 ₹66.9

$0.49 ₹47.23

42.86%

White Bread (500g)

$0.52 ₹50.0

$0.41 ₹39.30

26.83%

Rice (white) (1kg)

$0.78 ₹74.2

$0.66 ₹62.7

18.18%

Eggs

$0.96 ₹91.3

$0.88 ₹84.2

9.09%

Local Cheese (1kg)

$5.52 ₹527

$3.90 ₹372

41.54%

Chicken Fillets (1kg)

$3.57 ₹341

$2.83 ₹270

26.15%

Apples (1kg)

$2.28 ₹218

$1.68 ₹161

35.71%

Banana (1kg)

$0.74 ₹70.7

$0.62 ₹58.8

19.35%

Oranges (1kg)

$1.22 ₹117

$0.46 ₹43.66

165.22%

Tomato (1kg)

$0.47 ₹44.99

$0.38 ₹36.43

23.68%

Potato (1kg)

$0.33 ₹31.84

$0.30 ₹28.50

10.00%

Onion (1kg)

$0.37 ₹35.17

$0.39 ₹36.95

-5.13%

Lettuce (1 head)

$0.43 ₹40.86

$0.20 ₹19.06

115.00%

Water (1.5 liter bottle)

$0.31 ₹29.78

$0.30 ₹29.02

3.33%

Cigarettes 20 Pack (Marlboro, Camel)

$5.03 ₹481

$5.04 ₹482

-0.20%

Wine (Bottle)

$8.27 ₹790

$6.81 ₹650

21.44%

Local Beer (0.5 liter bottle)

$2.03 ₹194

$0.89 ₹85.1

128.09%

Imported Beer (0.33 liter bottle)

$3.09 ₹295

$2.78 ₹266

11.15%

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

$5.81 ₹555

$4.86 ₹464

19.55%

One-way Ticket (Public Transport)

$0.20 ₹19.08

$0.14 ₹13.35

42.86%

Public Transport Monthly Pass (Regular Price)

$5.57 ₹532

Taxi Start (Normal Tariff)

$0.32 ₹30.74

$1.02 ₹97.2

-68.63%

Taxi (Normal Tariff) (1km)

$0.33 ₹31.08

$0.31 ₹29.17

6.45%

Taxi 1hour Waiting (Normal Tariff)

$1.59 ₹152

$1.45 ₹138

9.66%

Gasoline (1 liter)

$1.13 ₹108

$1.10 ₹105

2.73%

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

$15.9K ₹1.5M

$12.3K ₹1.2M

28.96%

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

$22.2K ₹2.1M

$29.5K ₹2.8M

-24.79%

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

$60.9 ₹5,815

$21.23 ₹2,029

186.67%

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

$4.28 ₹409

$2.47 ₹236

73.28%

Internet (50+ Mbps, Unlimited Data)

$9.27 ₹886

$7.71 ₹736

20.23%

Gym Membership (Monthly)

$26.11 ₹2,494

$7.51 ₹717

247.67%

Tennis Court (1 Hour on Weekend)

$12.92 ₹1,234

$2.14 ₹205

503.74%

Cinema Ticket

$4.81 ₹460

$2.28 ₹218

110.96%

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

$118 ₹11.3K

$110 ₹10.5K

7.80%

International Primary School, 1 Child (Yearly)

$4,909 ₹469.0K

$1,704 ₹162.8K

188.19%

Jeans (Levis 501 Or Similar)

$35.15 ₹3,359

$32.68 ₹3,122

7.56%

Summer Dress (H&M, Zara, etc)

$39.23 ₹3,748

$34.57 ₹3,303

13.48%

Sport Shoes (Adidas, Nike)

$57.7 ₹5,517

$58.0 ₹5,540

-0.43%

Men's Leather Business Shoes

$48.14 ₹4,599

$27.38 ₹2,616

75.82%

1-bedroom Apartment, City Center (Monthly)

$635 ₹60.7K

$159 ₹15.2K

299.00%

1-bedroom Apartment, Outside City Center (Monthly)

$355 ₹33.9K

$81.6 ₹7,793

335.14%

3-bedroom Apartment, City Center (Monthly)

$1,933 ₹184.7K

$317 ₹30.3K

510.23%

3-bedroom Apartment, Outside City Center (Monthly)

$835 ₹79.8K

$192 ₹18.3K

334.89%

Buy Apartment in City Center (m2)

$6,093 ₹582.1K

Buy Apartment Outside City Center (m2)

$2,473 ₹236.2K

Average Monthly Net Salary (After Tax)

$754 ₹72.0K

$340 ₹32.4K

121.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.33

9.12

-8.66%

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

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

Last update for Shivamogga: September 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $635 in Mumbai (Bombay) and $159 in Shivamogga. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 122% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $21.00 in Mumbai (Bombay) vs $13.00 in Shivamogga for a mid-range dinner for two. Groceries echo the gap at $117 vs $87.0 per month, with Shivamogga cheaper across the board.

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

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

Mumbai (Bombay) and Shivamogga differ by about 122% in total monthly costs ($783 vs $353 including rent). Shivamogga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 122% higher in Mumbai (Bombay), which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $635 in Mumbai (Bombay) versus $159 in Shivamogga. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $118 in Mumbai (Bombay) versus $110 in Shivamogga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Shivamogga – a meal for two runs $13.00 versus $21.00 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

At $353 in Shivamogga versus $783 in Mumbai (Bombay), a $1,000 budget is realistic in Shivamogga but tight or insufficient in Mumbai (Bombay). The gap between the two cities makes Shivamogga 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, Mumbai (Bombay) 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 122% less than in Mumbai (Bombay). Beyond cost, consider language, visa policies, and how big the international community is in each city.