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: $759 in Mumbai (Bombay) versus $371 in Shivamogga.

Estimated couple costs with rent: $1,262 in Mumbai (Bombay) versus $606 in Shivamogga.

Monthly costs for a family of three with rent: $1,766 in Mumbai (Bombay) versus $841 in Shivamogga.

Living in Mumbai (Bombay) is roughly 104% more expensive than Shivamogga, driven mainly by Eating Out.

Both cities sit below the global median: Mumbai (Bombay) 43% lower, Shivamogga 72% lower.

Meal at Budget Restaurant

$5.31 ₹503

$3.29 ₹311

61.40%

Three-Course Dinner for Two, Mid-Range

$22.21 ₹2,101

$15.24 ₹1,442

45.73%

Fast Food Meal (McDonalds, etc)

$4.67 ₹442

$5.18 ₹490

-9.85%

Cappuccino

$2.62 ₹248

$1.33 ₹126

96.99%

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

$0.51 ₹47.87

$0.35 ₹33.56

45.71%

Water (0.33 liter bottle)

$0.15 ₹14.03

$0.23 ₹21.79

-34.78%

Local Beer (0.5 liter draught)

$2.27 ₹215

$1.26 ₹119

80.16%

Imported Beer (0.33 liter bottle)

$4.09 ₹387

$2.99 ₹283

36.79%

Milk (1 liter)

$0.80 ₹75.4

$0.54 ₹50.7

48.15%

White Bread (500g)

$0.52 ₹49.47

$0.47 ₹44.39

10.64%

Rice (white) (1kg)

$0.82 ₹77.3

$0.74 ₹70.5

10.81%

Eggs

$1.09 ₹103

$0.84 ₹79.8

29.76%

Local Cheese (1kg)

$7.02 ₹664

$4.40 ₹417

59.55%

Chicken Fillets (1kg)

$3.89 ₹368

$3.18 ₹301

22.33%

Apples (1kg)

$2.38 ₹225

$2.12 ₹200

12.26%

Banana (1kg)

$0.80 ₹76.0

$0.69 ₹64.9

15.94%

Oranges (1kg)

$1.30 ₹123

$0.54 ₹51.5

140.74%

Tomato (1kg)

$0.65 ₹61.5

$0.42 ₹40.10

54.76%

Potato (1kg)

$0.57 ₹53.5

$0.42 ₹39.56

35.71%

Onion (1kg)

$0.63 ₹60.0

$0.47 ₹44.07

34.04%

Lettuce (1 head)

$0.63 ₹59.9

$0.24 ₹22.85

162.50%

Water (1.5 liter bottle)

$0.33 ₹30.89

$0.42 ₹39.75

-21.43%

Cigarettes 20 Pack (Marlboro, Camel)

$4.00 ₹379

$3.59 ₹339

11.42%

Wine (Bottle)

$8.07 ₹764

$6.74 ₹638

19.73%

Local Beer (0.5 liter bottle)

$2.16 ₹204

$0.98 ₹92.9

120.41%

Imported Beer (0.33 liter bottle)

$3.39 ₹321

$1.77 ₹167

91.53%

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

$7.13 ₹675

$4.56 ₹432

56.36%

One-way Ticket (Public Transport)

$0.24 ₹22.74

$0.28 ₹26.26

-14.29%

Public Transport Monthly Pass (Regular Price)

$4.63 ₹439

$8.61 ₹814

-46.23%

Taxi Start (Normal Tariff)

$0.34 ₹32.06

$1.18 ₹111

-71.19%

Taxi 1hour Waiting (Normal Tariff)

$1.40 ₹133

$2.38 ₹225

-41.18%

Gasoline (1 liter)

$1.22 ₹116

$1.15 ₹109

6.09%

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

$17.3K ₹1.6M

$11.4K ₹1.1M

51.17%

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

$25.3K ₹2.4M

$32.8K ₹3.1M

-22.92%

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

$50.2 ₹4,748

$23.55 ₹2,228

113.08%

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

$5.00 ₹473

$1.96 ₹186

155.10%

Internet (50+ Mbps, Unlimited Data)

$8.79 ₹832

$8.50 ₹804

3.41%

Gym Membership (Monthly)

$23.18 ₹2,193

$8.31 ₹786

178.94%

Tennis Court (1 Hour on Weekend)

$11.81 ₹1,117

$6.86 ₹649

72.16%

Cinema Ticket

$4.70 ₹445

$2.37 ₹224

98.31%

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

$121 ₹11.4K

$51.8 ₹4,900

133.19%

International Primary School, 1 Child (Yearly)

$3,385 ₹320.3K

$1,916 ₹181.3K

76.70%

Jeans (Levis 501 Or Similar)

$29.30 ₹2,772

$33.58 ₹3,178

-12.75%

Summer Dress (H&M, Zara, etc)

$30.72 ₹2,907

$28.68 ₹2,713

7.11%

Sport Shoes (Adidas, Nike)

$55.0 ₹5,207

$52.0 ₹4,922

5.81%

Men's Leather Business Shoes

$39.51 ₹3,738

$23.65 ₹2,237

67.06%

1-bedroom Apartment, City Center (Monthly)

$694 ₹65.7K

$122 ₹11.5K

469.81%

1-bedroom Apartment, Outside City Center (Monthly)

$359 ₹33.9K

$86.0 ₹8,134

317.29%

3-bedroom Apartment, City Center (Monthly)

$1,797 ₹170.0K

$273 ₹25.8K

559.09%

3-bedroom Apartment, Outside City Center (Monthly)

$821 ₹77.7K

$178 ₹16.8K

361.02%

Buy Apartment in City Center (m2)

$6,515 ₹616.5K

Buy Apartment Outside City Center (m2)

$2,661 ₹251.8K

Average Monthly Net Salary (After Tax)

$719 ₹68.0K

$422 ₹39.9K

70.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.22

8.47

8.85%

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

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

Last update for Shivamogga: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $694 in Mumbai (Bombay) and $122 in Shivamogga. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 70% 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: $22 in Mumbai (Bombay) vs $15 in Shivamogga for a mid-range dinner for two. Groceries echo the gap at $130 vs $95 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 104% in total monthly costs ($759 vs $371 including rent). Shivamogga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Mumbai (Bombay) pays 70% more on average, 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: $694 in Mumbai (Bombay) versus $122 in Shivamogga. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 37% higher in Mumbai (Bombay). For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Shivamogga – a meal for two runs $15.00 versus $22.00 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

At $371 in Shivamogga versus $759 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 104% less than in Mumbai (Bombay). Beyond cost, consider language, visa policies, and how big the international community is in each city.