Last update: Oct 2026

Cost of Living Comparison Between Mumbai (Bombay) and Surat

For one person, living costs are similar in Mumbai (Bombay) and in Surat: $813 and $799 a month, rent and utilities included.

39

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index
39

Cost of Living Index in Surat
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Surat Living Index

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Mumbai (Bombay)

🇮🇳 India

$813

/mo nomad

Surat

🇮🇳 India

$799

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $813 in Mumbai (Bombay) versus $799 in Surat.

Mumbai (Bombay) $813
Surat $799

Estimated couple costs with rent: $1,352 in Mumbai (Bombay) versus $853 in Surat.

Mumbai (Bombay) $1,352
Surat $853

Monthly costs for a family of three with rent: $1,891 in Mumbai (Bombay) versus $906 in Surat.

Mumbai (Bombay) $1,891
Surat $906

Monthly costs are close between Mumbai (Bombay) and Surat; which city is cheaper depends on the spending category.

Both cities sit below the global median: Mumbai (Bombay) 40% lower, Surat 41% lower.

Meal at Budget Restaurant

$5.35 ₹508

$3.14 ₹298

70.38%

Three-Course Dinner for Two, Mid-Range

$20.87 ₹1,982

$10.59 ₹1,005

97.07%

Fast Food Meal (McDonalds, etc)

$4.08 ₹387

$3.22 ₹305

26.71%

Cappuccino

$2.78 ₹264

$1.76 ₹167

57.95%

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

$0.40 ₹38.23

$0.39 ₹37.13

2.56%

Water (0.33 liter bottle)

$0.15 ₹14.42

$0.14 ₹13.58

7.14%

Local Beer (0.5 liter draught)

$2.64 ₹251

$3.21 ₹305

-17.76%

Imported Beer (0.33 liter bottle)

$4.25 ₹404

$3.39 ₹322

25.37%

Milk (1 liter)

$0.74 ₹70.5

$0.72 ₹68.1

2.78%

White Bread (500g)

$0.54 ₹51.3

$0.46 ₹43.78

17.39%

Rice (white) (1kg)

$0.78 ₹74.1

$0.72 ₹68.5

8.33%

Eggs

$1.00 ₹95.1

$0.90 ₹85.5

11.11%

Local Cheese (1kg)

$5.61 ₹533

$4.63 ₹439

21.17%

Chicken Fillets (1kg)

$3.58 ₹340

$2.74 ₹260

30.66%

Apples (1kg)

$2.17 ₹206

$1.67 ₹158

29.94%

Banana (1kg)

$0.69 ₹65.8

$0.57 ₹54.5

21.05%

Oranges (1kg)

$1.21 ₹114

$0.76 ₹71.9

59.21%

Tomato (1kg)

$0.49 ₹46.33

$0.55 ₹52.2

-10.91%

Potato (1kg)

$0.33 ₹31.70

$0.39 ₹36.78

-15.38%

Onion (1kg)

$0.37 ₹35.53

$0.43 ₹40.99

-13.95%

Lettuce (1 head)

$0.44 ₹41.78

$0.46 ₹44.15

-4.35%

Water (1.5 liter bottle)

$0.31 ₹29.64

$0.30 ₹28.04

3.33%

Cigarettes 20 Pack (Marlboro, Camel)

$5.00 ₹475

$4.94 ₹469

1.21%

Wine (Bottle)

$8.34 ₹792

$7.81 ₹742

6.79%

Local Beer (0.5 liter bottle)

$1.99 ₹189

$1.86 ₹177

6.99%

Imported Beer (0.33 liter bottle)

$3.12 ₹296

$3.05 ₹289

2.30%

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

$6.01 ₹570

$6.18 ₹587

-2.75%

One-way Ticket (Public Transport)

$0.20 ₹18.95

$0.20 ₹18.98

Public Transport Monthly Pass (Regular Price)

$6.90 ₹655

$3.21 ₹305

114.95%

Taxi Start (Normal Tariff)

$0.31 ₹29.84

$0.56 ₹53.5

-44.64%

Taxi (Normal Tariff) (1km)

$0.31 ₹29.41

$0.22 ₹20.90

40.91%

Taxi 1hour Waiting (Normal Tariff)

$1.61 ₹153

$1.08 ₹102

49.07%

Gasoline (1 liter)

$1.10 ₹105

$1.13 ₹108

-2.65%

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

$15.6K ₹1.5M

$11.4K ₹1.1M

37.13%

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

$22.4K ₹2.1M

$18.3K ₹1.7M

22.24%

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

$61.9 ₹5,872

$36.87 ₹3,500

67.75%

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

$4.52 ₹429

$3.56 ₹338

26.97%

Internet (50+ Mbps, Unlimited Data)

$8.97 ₹852

$7.44 ₹706

20.56%

Gym Membership (Monthly)

$37.11 ₹3,524

$18.56 ₹1,762

99.95%

Tennis Court (1 Hour on Weekend)

$14.11 ₹1,340

$5.45 ₹517

158.90%

Cinema Ticket

$5.01 ₹475

$2.98 ₹283

68.12%

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

$119 ₹11.3K

$32.79 ₹3,113

262.95%

International Primary School, 1 Child (Yearly)

$4,948 ₹469.8K

$937 ₹89.0K

428.11%

Jeans (Levis 501 Or Similar)

$36.37 ₹3,453

$22.65 ₹2,151

60.57%

Summer Dress (H&M, Zara, etc)

$38.71 ₹3,675

$24.76 ₹2,350

56.34%

Sport Shoes (Adidas, Nike)

$54.7 ₹5,196

$40.73 ₹3,867

34.37%

Men's Leather Business Shoes

$48.03 ₹4,560

$32.31 ₹3,068

48.65%

1-bedroom Apartment, City Center (Monthly)

$640 ₹60.7K

$208 ₹19.8K

207.50%

1-bedroom Apartment, Outside City Center (Monthly)

$372 ₹35.3K

$484 ₹46.0K

-23.22%

3-bedroom Apartment, City Center (Monthly)

$2,093 ₹198.7K

$387 ₹36.7K

440.65%

3-bedroom Apartment, Outside City Center (Monthly)

$925 ₹87.8K

$241 ₹22.9K

283.04%

Buy Apartment in City Center (m2)

$5,706 ₹541.7K

$645 ₹61.2K

784.75%

Buy Apartment Outside City Center (m2)

$2,560 ₹243.0K

$364 ₹34.5K

604.19%

Average Monthly Net Salary (After Tax)

$757 ₹71.9K

$319 ₹30.3K

137.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.29

9.17

-9.60%

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

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

Last update for Surat: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Mumbai (Bombay)

$372 45.7%

Surat

$484 60.6% 30.3% $112

Groceries & Markets

Mumbai (Bombay)

$117 14.4%

Surat

$102 12.8% 13% $15

Eating Out

Mumbai (Bombay)

$112 13.8%

Surat

$81 10.1% 28% $31

Clothing & Footwear

Mumbai (Bombay)

$80 9.8%

Surat

$54 6.8% 32.3% $26

Monthly Utilities & Internet

Mumbai (Bombay)

$75 9.3%

Surat

$48 6% 36.5% $27

Sport & Entertainment

Mumbai (Bombay)

$47 5.8%

Surat

$25 3.1% 48% $23

Getting Around

Mumbai (Bombay)

$9.6 1.2%

Surat

$5.7 0.7% 40.6% $3.9

Cost Breakdown

A one-bedroom apartment in the center runs $640 in Mumbai (Bombay) and $208 in Surat. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays about 2.4 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $21 in Mumbai (Bombay) vs $11 in Surat for a mid-range dinner for two. Groceries echo the gap at $117 vs $102 per month, with Surat cheaper across the board.

Good to know

🇮🇳 Mumbai (Bombay)

🇮🇳 Surat

🕒 Local time

16:38 4:38 PM

Same time as Mumbai (Bombay)

🌤 Weather

👥 Population

12,442,373

6,936,534

💱 Currency

Indian Rupee INR ₹

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.44 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.44 EUR

Exchange rates and currency converter

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Mumbai (Bombay) Surat 240 km

From you

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

Average pay in Mumbai (Bombay) is about 2.4 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 $208 in Surat. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $119 in Mumbai (Bombay) versus $33 in Surat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Surat – a meal for two runs $11 versus $21 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,000 a month, though Surat 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.

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