Last update: Nov 2026

Cost of Living Comparison Between Singapore and Dharwad

For one person, living is cheaper in Dharwad: $374 a month against $3,594 in Singapore, rent and utilities included – about $38,600 less a year. Rent and utilities account for most of the difference.

171

Cost of Living Index in Singapore
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Singapore Living Index
18

Cost of Living Index in Dharwad
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Dharwad Living Index

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Singapore

🇸🇬 Singapore

$3,594

/mo nomad

Dharwad

🇮🇳 India

$374

/mo nomad

Monthly Cost of Living

How much you'll spend in Singapore and in Dharwad

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Singapore and in Dharwad actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,594 in Singapore versus $374 in Dharwad.

Singapore $3,594
Dharwad $374

Estimated couple costs with rent: $5,314 in Singapore versus $592 in Dharwad.

Singapore $5,314
Dharwad $592

Monthly costs for a family of three with rent: $7,033 in Singapore versus $809 in Dharwad.

Singapore $7,033
Dharwad $809

Living in Singapore is roughly 860% more expensive than in Dharwad, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Singapore is 166% above, Dharwad is 72% below.

Meal at Budget Restaurant

$11.58 SGD 14.84

$3.31 ₹311

249.85%

Three-Course Dinner for Two, Mid-Range

$70.7 SGD 90.5

$7.24 ₹680

875.83%

Fast Food Meal (McDonalds, etc)

$8.46 SGD 10.84

$3.76 ₹353

125.00%

Cappuccino

$5.18 SGD 6.64

$1.64 ₹154

215.85%

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

$1.84 SGD 2.36

$0.38 ₹35.63

384.21%

Water (0.33 liter bottle)

$1.23 SGD 1.58

$0.10 ₹9.60

1130.00%

Local Beer (0.5 liter draught)

$9.50 SGD 12.17

$1.55 ₹145

512.90%

Imported Beer (0.33 liter bottle)

$9.86 SGD 12.63

$2.93 ₹275

236.52%

Milk (1 liter)

$3.02 SGD 3.87

$0.68 ₹64.0

344.12%

White Bread (500g)

$2.67 SGD 3.42

$0.44 ₹41.41

506.82%

Rice (white) (1kg)

$2.77 SGD 3.54

$0.69 ₹64.6

301.45%

Eggs

$3.72 SGD 4.77

$0.84 ₹79.2

342.86%

Local Cheese (1kg)

$21.01 SGD 26.92

$4.64 ₹436

352.80%

Chicken Fillets (1kg)

$9.95 SGD 12.75

$2.92 ₹274

240.75%

Beef Round Steak (1kg)

$25.13 SGD 32.20

Apples (1kg)

$4.59 SGD 5.88

$1.87 ₹176

145.45%

Banana (1kg)

$3.09 SGD 3.96

$0.63 ₹59.0

390.48%

Oranges (1kg)

$4.64 SGD 5.95

$0.94 ₹88.4

393.62%

Tomato (1kg)

$2.18 SGD 2.79

$0.45 ₹42.30

384.44%

Potato (1kg)

$2.33 SGD 2.99

$0.35 ₹33.32

565.71%

Onion (1kg)

$2.31 SGD 2.96

$0.38 ₹35.23

507.89%

Lettuce (1 head)

$1.86 SGD 2.39

$0.47 ₹43.84

295.74%

Water (1.5 liter bottle)

$1.55 SGD 1.98

$0.31 ₹29.40

400.00%

Cigarettes 20 Pack (Marlboro, Camel)

$14.11 SGD 18.08

$4.99 ₹469

182.77%

Wine (Bottle)

$23.24 SGD 29.78

$7.48 ₹702

210.70%

Local Beer (0.5 liter bottle)

$4.73 SGD 6.06

$1.66 ₹156

184.94%

Imported Beer (0.33 liter bottle)

$4.79 SGD 6.14

$2.74 ₹257

74.82%

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

$5.06 ₹475

One-way Ticket (Public Transport)

$1.53 SGD 1.96

$0.21 ₹19.64

628.57%

Public Transport Monthly Pass (Regular Price)

$96.5 SGD 124

$7.05 ₹662

1268.23%

Taxi Start (Normal Tariff)

$3.58 SGD 4.59

$0.80 ₹75.3

347.50%

Taxi (Normal Tariff) (1km)

$0.76 SGD 0.97

$0.27 ₹25.51

181.48%

Taxi 1hour Waiting (Normal Tariff)

$16.98 SGD 21.75

$1.60 ₹150

961.25%

Gasoline (1 liter)

$2.46 SGD 3.15

$1.13 ₹106

117.70%

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

$159.4K SGD 204.2K

$11.4K ₹1.1M

1302.37%

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

$155.7K SGD 199.5K

$19.6K ₹1.8M

694.97%

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

$168 SGD 215

$34.36 ₹3,226

388.77%

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

$12.24 SGD 15.68

$3.17 ₹298

286.12%

Internet (50+ Mbps, Unlimited Data)

$28.18 SGD 36.11

$5.62 ₹528

401.42%

Gym Membership (Monthly)

$111 SGD 142

$13.98 ₹1,313

691.27%

Tennis Court (1 Hour on Weekend)

$11.60 SGD 14.86

$6.46 ₹607

79.57%

Cinema Ticket

$12.24 SGD 15.68

$2.87 ₹270

326.48%

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

$1,899 SGD 2,433

$45.89 ₹4,309

4037.55%

International Primary School, 1 Child (Yearly)

$39.1K SGD 50.1K

$1,414 ₹132.8K

2666.52%

Jeans (Levis 501 Or Similar)

$79.6 SGD 102

$21.93 ₹2,059

263.16%

Summer Dress (H&M, Zara, etc)

$50.7 SGD 65.0

$23.56 ₹2,213

115.15%

Sport Shoes (Adidas, Nike)

$112 SGD 143

$39.27 ₹3,687

184.19%

Men's Leather Business Shoes

$125 SGD 160

$28.39 ₹2,666

338.68%

1-bedroom Apartment, City Center (Monthly)

$3,191 SGD 4,089

$119 ₹11.2K

2575.93%

1-bedroom Apartment, Outside City Center (Monthly)

$2,257 SGD 2,892

$76.5 ₹7,186

2849.53%

3-bedroom Apartment, City Center (Monthly)

$6,173 SGD 7,910

$263 ₹24.7K

2243.41%

3-bedroom Apartment, Outside City Center (Monthly)

$4,035 SGD 5,170

$185 ₹17.3K

2084.01%

Buy Apartment in City Center (m2)

$23.6K SGD 30.2K

$932 ₹87.5K

2428.18%

Buy Apartment Outside City Center (m2)

$16.5K SGD 21.2K

$536 ₹50.3K

2980.80%

Average Monthly Net Salary (After Tax)

$4,526 SGD 5,799

20-Year Fixed Mortgage Interest Rate (Annual %)

2.44

8.86

-72.46%

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

Last update for Singapore: November 2, 2026

Last update for Dharwad: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Singapore

$2.3K 62.8%

Dharwad

$77 20.4% 96.6% $2.2K

Groceries & Markets

Singapore

$459 12.8%

Dharwad

$101 27% 78% $358

Eating Out

Singapore

$260 7.2%

Dharwad

$73 19.5% 71.9% $187

Monthly Utilities & Internet

Singapore

$208 5.8%

Dharwad

$43 11.5% 79.3% $165

Clothing & Footwear

Singapore

$165 4.6%

Dharwad

$51 13.6% 69.1% $114

Sport & Entertainment

Singapore

$135 3.8%

Dharwad

$20 5.3% 85.4% $115

Getting Around

Singapore

$110 3.1%

Dharwad

$10 2.7% 90.9% $100

Cost Breakdown

A one-bedroom apartment in the center runs $3,191 in Singapore and $119 in Dharwad. Housing cost is often the main lever when comparing two cities.

Dining out: $71 in Singapore vs $7 in Dharwad for a mid-range dinner for two. Groceries echo the gap at $459 vs $101 per month, with Dharwad cheaper across the board.

Good to know

🇸🇬 Singapore

🇮🇳 Dharwad

🕒 Local time

07:49 7:49 AM

05:19 5:19 AM

2 h 30 min behind Singapore

🌤 Weather

👥 Population

5,535,002 Capital

100,000

💱 Currency

Singapore Dollar SGD $

Indian Rupee INR ₹

📈 Exchange rate

1 SGD = 0.78 USD

1 SGD = 0.698 EUR

1,000 INR = 10.65 USD

1,000 INR = 9.53 EUR

Exchange rates and currency converter

INR, USD, EUR to SGD – Singapore Dollar Converter

🇺🇸 United States Dollar ($)

🇸🇬 Singapore Dollar ($)

Singapore Dollar exchange rates as of November 6, 2026: 1 USD = 1.28 SGD (1 SGD = 0.78 USD). 1 EUR = 1.43 SGD (1 SGD = 0.698 EUR).

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 93.9 INR (100 INR = 1.06 USD). 1 EUR = 105 INR (1,000 INR = 9.53 EUR).

USD to SGD in detail →

On the map

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Between locations

Singapore Dharwad 3,530 km ≈ 5 h nonstop flight

From you

Singapore
Dharwad

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

Singapore vs Dharwad: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $3,594 in Singapore and $374 in Dharwad, so Dharwad is about 90% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $5,392 in Singapore and $562 in Dharwad to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $3,191 in Singapore versus $119 in Dharwad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $3,594 per month in Singapore versus $374 in Dharwad – Dharwad is about 90% cheaper, which adds up to real savings over time.

A monthly transit pass in Dharwad runs roughly 93% less than in Singapore. The price difference matters if you commute daily and watch your budget.

At $374 in Dharwad versus $3,594 in Singapore, a $1,200 budget is realistic in Dharwad but tight or insufficient in Singapore. The gap between the two cities makes Dharwad the clear choice for anyone on this budget.

For families, Dharwad is more practical. Housing and childcare are both notably cheaper than in Singapore, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Singapore and Dharwad are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Dharwad gentler on the wallet – expenses run 90% less than in Singapore. Beyond cost, consider language, visa policies, and how big the international community is in each city.