Cost of Living Comparison Between Shivamogga and Kalyani Cost of Living Comparison Between Shivamogga and Kalyani

Monthly Cost of Living

Monthly costs for one person with rent: $377 in Shivamogga versus $385 in Kalyani.

Estimated couple costs with rent: $603 in Shivamogga versus $624 in Kalyani.

Monthly costs for a family of three with rent: $828 in Shivamogga versus $863 in Kalyani.

Living in Shivamogga costs roughly 2% less than in Kalyani, driven mainly by Groceries & Markets.

Both cities sit below the global median: Shivamogga 72% lower, Kalyani 71% lower.

Meal at Budget Restaurant

$3.21 ₹306

$3.22 ₹307

-0.31%

Three-Course Dinner for Two, Mid-Range

$15.38 ₹1,467

$11.75 ₹1,121

30.89%

Fast Food Meal (McDonalds, etc)

$5.19 ₹495

$5.03 ₹480

3.18%

Cappuccino

$1.32 ₹126

$1.85 ₹177

-28.65%

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

$0.35 ₹33.84

$0.24 ₹22.90

45.83%

Water (0.33 liter bottle)

$0.23 ₹22.00

$0.14 ₹13.83

64.29%

Local Beer (0.5 liter draught)

$1.31 ₹125

$1.72 ₹164

-23.84%

Imported Beer (0.33 liter bottle)

$2.83 ₹270

$2.88 ₹275

-1.74%

Milk (1 liter)

$0.56 ₹53.8

$0.72 ₹69.1

-22.22%

White Bread (500g)

$0.49 ₹46.75

$0.43 ₹41.04

13.95%

Rice (white) (1kg)

$0.79 ₹75.7

$0.65 ₹61.8

21.54%

Eggs

$0.84 ₹80.0

$0.86 ₹82.4

-2.33%

Local Cheese (1kg)

$4.44 ₹424

$5.41 ₹516

-17.93%

Chicken Fillets (1kg)

$3.10 ₹296

$2.97 ₹283

4.38%

Apples (1kg)

$2.16 ₹206

$2.46 ₹234

-12.20%

Banana (1kg)

$0.73 ₹69.5

$0.61 ₹58.0

19.67%

Oranges (1kg)

$0.50 ₹47.74

$0.67 ₹64.2

-25.37%

Tomato (1kg)

$0.42 ₹40.44

$0.64 ₹61.4

-34.38%

Potato (1kg)

$0.41 ₹39.14

$0.35 ₹33.73

17.14%

Onion (1kg)

$0.46 ₹43.98

$0.56 ₹53.6

-17.86%

Lettuce (1 head)

$0.24 ₹22.98

$0.41 ₹39.21

-41.46%

Water (1.5 liter bottle)

$0.43 ₹40.95

$0.30 ₹28.80

43.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.43 ₹327

$3.30 ₹314

3.94%

Wine (Bottle)

$6.73 ₹642

$7.96 ₹759

-15.45%

Local Beer (0.5 liter bottle)

$0.95 ₹90.6

$1.38 ₹132

-31.16%

Imported Beer (0.33 liter bottle)

$1.73 ₹165

$2.52 ₹240

-31.35%

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

$4.47 ₹426

$7.29 ₹696

-38.68%

One-way Ticket (Public Transport)

$0.30 ₹28.83

$0.28 ₹26.45

7.14%

Public Transport Monthly Pass (Regular Price)

$8.92 ₹850

$8.79 ₹839

1.48%

Taxi Start (Normal Tariff)

$1.14 ₹108

$0.57 ₹54.1

100.00%

Taxi (Normal Tariff) (1km)

$0.13 ₹12.05

Taxi 1hour Waiting (Normal Tariff)

$2.30 ₹220

$2.00 ₹191

15.00%

Gasoline (1 liter)

$1.14 ₹109

$1.20 ₹114

-5.00%

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

$11.2K ₹1.1M

$16.0K ₹1.5M

-29.92%

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

$32.0K ₹3.0M

$22.3K ₹2.1M

43.39%

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

$23.10 ₹2,203

$42.41 ₹4,045

-45.53%

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

$1.93 ₹184

$3.47 ₹331

-44.38%

Internet (50+ Mbps, Unlimited Data)

$8.93 ₹852

$5.09 ₹485

75.44%

Gym Membership (Monthly)

$8.19 ₹781

$9.70 ₹925

-15.57%

Tennis Court (1 Hour on Weekend)

$6.96 ₹664

$7.13 ₹680

-2.38%

Cinema Ticket

$2.49 ₹238

$2.56 ₹244

-2.73%

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

$52.3 ₹4,989

$21.38 ₹2,039

144.62%

International Primary School, 1 Child (Yearly)

$1,937 ₹184.7K

$889 ₹84.8K

117.96%

Jeans (Levis 501 Or Similar)

$33.31 ₹3,177

$16.96 ₹1,618

96.40%

Summer Dress (H&M, Zara, etc)

$28.75 ₹2,742

$30.75 ₹2,933

-6.50%

Sport Shoes (Adidas, Nike)

$50.3 ₹4,794

$38.30 ₹3,653

31.25%

Men's Leather Business Shoes

$24.25 ₹2,313

$31.63 ₹3,017

-23.33%

1-bedroom Apartment, City Center (Monthly)

$122 ₹11.7K

$123 ₹11.7K

-0.10%

1-bedroom Apartment, Outside City Center (Monthly)

$86.0 ₹8,201

$74.9 ₹7,141

14.84%

3-bedroom Apartment, City Center (Monthly)

$276 ₹26.4K

$269 ₹25.7K

2.55%

3-bedroom Apartment, Outside City Center (Monthly)

$180 ₹17.2K

$183 ₹17.4K

-1.39%

Average Monthly Net Salary (After Tax)

$344 ₹32.8K

$297 ₹28.4K

15.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.47

7.5

12.93%

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

Last update for Shivamogga: July 27, 2026

Last update for Kalyani: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $122 in Shivamogga and $123 in Kalyani. Housing cost is often the main lever when comparing two cities.

Shivamogga pays 16% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $15.00 in Shivamogga vs $12.00 in Kalyani. Groceries flip the comparison at $95.0 vs $106, with Shivamogga cheaper for home cooking.

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

Shivamogga vs Kalyani: Cost of Living - Frequently Asked Questions

Shivamogga is cheaper overall, especially in Groceries & Markets, Eating Out, Sport & Entertainment. The 2% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 16% higher in Shivamogga, 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: $122 in Shivamogga versus $123 in Kalyani. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Shivamogga – a meal for two runs $15.00 versus $12.00 in Kalyani. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $377 per month in Shivamogga versus $385 in Kalyani – a 2% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $800 a month, though Shivamogga 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.

Safety-wise, Shivamogga and Kalyani 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 2% less than in Kalyani. Beyond cost, consider language, visa policies, and how big the international community is in each city.