Last update: Oct 2026

Cost of Living Comparison Between Mumbai (Bombay) and Shivamogga

For one person, living is cheaper in Shivamogga: $345 a month against $813 in Mumbai (Bombay), rent and utilities included – about $5,600 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
17

Cost of Living Index in Shivamogga
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Shivamogga Living Index

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Mumbai (Bombay)

🇮🇳 India

$813

/mo nomad

Shivamogga

🇮🇳 India

$345

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $813 in Mumbai (Bombay) versus $345 in Shivamogga.

Mumbai (Bombay) $813
Shivamogga $345

Estimated couple costs with rent: $1,352 in Mumbai (Bombay) versus $568 in Shivamogga.

Mumbai (Bombay) $1,352
Shivamogga $568

Monthly costs for a family of three with rent: $1,891 in Mumbai (Bombay) versus $791 in Shivamogga.

Mumbai (Bombay) $1,891
Shivamogga $791

Living in Mumbai (Bombay) is roughly 136% more expensive than in Shivamogga, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Mumbai (Bombay) 40% lower, Shivamogga 75% lower.

Meal at Budget Restaurant

$5.35 ₹508

$2.40 ₹228

122.92%

Three-Course Dinner for Two, Mid-Range

$20.87 ₹1,982

$13.83 ₹1,313

50.90%

Fast Food Meal (McDonalds, etc)

$4.08 ₹387

$4.67 ₹443

-12.63%

Cappuccino

$2.78 ₹264

$0.97 ₹92.1

186.60%

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

$0.40 ₹38.23

$0.39 ₹36.84

2.56%

Water (0.33 liter bottle)

$0.15 ₹14.42

$0.18 ₹17.48

-16.67%

Local Beer (0.5 liter draught)

$2.64 ₹251

$1.13 ₹107

133.63%

Imported Beer (0.33 liter bottle)

$4.25 ₹404

$2.59 ₹246

64.09%

Milk (1 liter)

$0.74 ₹70.5

$0.51 ₹48.04

45.10%

White Bread (500g)

$0.54 ₹51.3

$0.42 ₹39.98

28.57%

Rice (white) (1kg)

$0.78 ₹74.1

$0.70 ₹66.4

11.43%

Eggs

$1.00 ₹95.1

$0.91 ₹86.5

9.89%

Local Cheese (1kg)

$5.61 ₹533

$4.04 ₹384

38.86%

Chicken Fillets (1kg)

$3.58 ₹340

$2.94 ₹279

21.77%

Apples (1kg)

$2.17 ₹206

$1.75 ₹166

24.00%

Banana (1kg)

$0.69 ₹65.8

$0.62 ₹58.6

11.29%

Oranges (1kg)

$1.21 ₹114

$0.48 ₹45.89

152.08%

Tomato (1kg)

$0.49 ₹46.33

$0.35 ₹33.48

40.00%

Potato (1kg)

$0.33 ₹31.70

$0.31 ₹29.24

6.45%

Onion (1kg)

$0.37 ₹35.53

$0.41 ₹39.34

-9.76%

Lettuce (1 head)

$0.44 ₹41.78

$0.22 ₹20.93

100.00%

Water (1.5 liter bottle)

$0.31 ₹29.64

$0.30 ₹28.82

3.33%

Cigarettes 20 Pack (Marlboro, Camel)

$5.00 ₹475

$5.12 ₹486

-2.34%

Wine (Bottle)

$8.34 ₹792

$6.85 ₹650

21.75%

Local Beer (0.5 liter bottle)

$1.99 ₹189

$0.84 ₹79.8

136.90%

Imported Beer (0.33 liter bottle)

$3.12 ₹296

$2.93 ₹278

6.48%

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

$6.01 ₹570

$4.83 ₹458

24.43%

One-way Ticket (Public Transport)

$0.20 ₹18.95

$0.15 ₹14.48

33.33%

Public Transport Monthly Pass (Regular Price)

$6.90 ₹655

Taxi Start (Normal Tariff)

$0.31 ₹29.84

$1.07 ₹102

-71.03%

Taxi (Normal Tariff) (1km)

$0.31 ₹29.41

$0.31 ₹29.78

Taxi 1hour Waiting (Normal Tariff)

$1.61 ₹153

$1.50 ₹142

7.33%

Gasoline (1 liter)

$1.10 ₹105

$1.08 ₹102

1.85%

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

$15.6K ₹1.5M

$11.4K ₹1.1M

36.27%

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

$22.4K ₹2.1M

$29.2K ₹2.8M

-23.35%

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

$61.9 ₹5,872

$20.84 ₹1,978

196.79%

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

$4.52 ₹429

$2.49 ₹236

81.53%

Internet (50+ Mbps, Unlimited Data)

$8.97 ₹852

$8.02 ₹761

11.85%

Gym Membership (Monthly)

$37.11 ₹3,524

$7.50 ₹712

394.80%

Tennis Court (1 Hour on Weekend)

$14.11 ₹1,340

$2.14 ₹203

559.35%

Cinema Ticket

$5.01 ₹475

$2.36 ₹224

112.29%

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

$119 ₹11.3K

$112 ₹10.6K

6.23%

International Primary School, 1 Child (Yearly)

$4,948 ₹469.8K

$1,691 ₹160.5K

192.66%

Jeans (Levis 501 Or Similar)

$36.37 ₹3,453

$31.82 ₹3,021

14.30%

Summer Dress (H&M, Zara, etc)

$38.71 ₹3,675

$35.64 ₹3,383

8.61%

Sport Shoes (Adidas, Nike)

$54.7 ₹5,196

$60.0 ₹5,692

-8.71%

Men's Leather Business Shoes

$48.03 ₹4,560

$27.71 ₹2,631

73.33%

1-bedroom Apartment, City Center (Monthly)

$640 ₹60.7K

$160 ₹15.1K

301.06%

1-bedroom Apartment, Outside City Center (Monthly)

$372 ₹35.3K

$81.9 ₹7,777

353.70%

3-bedroom Apartment, City Center (Monthly)

$2,093 ₹198.7K

$311 ₹29.5K

572.68%

3-bedroom Apartment, Outside City Center (Monthly)

$925 ₹87.8K

$193 ₹18.3K

379.02%

Buy Apartment in City Center (m2)

$5,706 ₹541.7K

Buy Apartment Outside City Center (m2)

$2,560 ₹243.0K

Average Monthly Net Salary (After Tax)

$757 ₹71.9K

$335 ₹31.8K

125.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.29

9.12

-9.10%

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

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

Last update for Shivamogga: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Mumbai (Bombay)

$372 45.7%

Shivamogga

$82 23.7% 78% $290

Groceries & Markets

Mumbai (Bombay)

$117 14.4%

Shivamogga

$89 25.7% 24.2% $28

Eating Out

Mumbai (Bombay)

$112 13.8%

Shivamogga

$58 16.8% 48.3% $54

Clothing & Footwear

Mumbai (Bombay)

$80 9.8%

Shivamogga

$70 20.2% 12.8% $10

Monthly Utilities & Internet

Mumbai (Bombay)

$75 9.3%

Shivamogga

$31 9.1% 58.4% $44

Sport & Entertainment

Mumbai (Bombay)

$47 5.8%

Shivamogga

$12 3.5% 74.1% $35

Getting Around

Mumbai (Bombay)

$9.6 1.2%

Shivamogga

$3.3 * 0.9% 66% $6.3

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $640 in Mumbai (Bombay) and $160 in Shivamogga. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays about 2.3 times 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 in Mumbai (Bombay) vs $14 in Shivamogga for a mid-range dinner for two. Groceries echo the gap at $117 vs $89 per month, with Shivamogga cheaper across the board.

Good to know

🇮🇳 Mumbai (Bombay)

🇮🇳 Shivamogga

🕒 Local time

10:55 10:55 AM

Same time as Mumbai (Bombay)

🌤 Weather

👥 Population

12,442,373

400,000

💱 Currency

Indian Rupee INR ₹

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.41 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.41 EUR

Exchange rates and currency converter

On the map

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Between locations

Mumbai (Bombay) Shivamogga 640 km ≈ 1 h 15 min nonstop flight

From you

Mumbai (Bombay)
Shivamogga

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

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

Total monthly costs including rent come to $813 in Mumbai (Bombay) and $345 in Shivamogga, so Shivamogga is about 58% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Mumbai (Bombay) is about 2.3 times higher, 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: $640 in Mumbai (Bombay) versus $160 in Shivamogga. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $119 in Mumbai (Bombay) versus $112 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 $14 versus $21 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

At $345 in Shivamogga versus $813 in Mumbai (Bombay), a $800 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.

It comes down to priorities – Shivamogga wins on affordability, Mumbai (Bombay) on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.