Last update: Nov 2026

Cost of Living Comparison Between Singapore and Ludhiana

For one person, living is cheaper in Ludhiana: $476 a month against $3,594 in Singapore, rent and utilities included – about $37,400 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
23

Cost of Living Index in Ludhiana
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Ludhiana Living Index

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Singapore

🇸🇬 Singapore

$3,594

/mo nomad

Ludhiana

🇮🇳 India

$476

/mo nomad

Monthly Cost of Living

How much you'll spend in Singapore and in Ludhiana

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

A single person spends $3,594 per month in Singapore vs $476 in Ludhiana, rent included.

Singapore $3,594
Ludhiana $476

A couple spends around $5,314 per month in Singapore vs $765 in Ludhiana, rent included.

Singapore $5,314
Ludhiana $765

A family of three spends $7,033 per month in Singapore vs $1,055 in Ludhiana, rent included.

Singapore $7,033
Ludhiana $1,055

Singapore costs about 656% more than Ludhiana, and outside of rent the biggest gap is in groceries.

Singapore sits 166% above the global median, while Ludhiana is 65% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.58 SGD 14.85

$3.48 ₹326

232.76%

Three-Course Dinner for Two, Mid-Range

$70.7 SGD 90.6

$10.40 ₹976

579.33%

Fast Food Meal (McDonalds, etc)

$8.46 SGD 10.85

$3.61 ₹339

134.35%

Cappuccino

$5.18 SGD 6.65

$1.93 ₹181

168.39%

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

$1.84 SGD 2.36

$0.37 ₹34.31

397.30%

Water (0.33 liter bottle)

$1.23 SGD 1.58

$0.27 ₹25.59

355.56%

Local Beer (0.5 liter draught)

$9.50 SGD 12.18

$1.62 ₹152

486.42%

Imported Beer (0.33 liter bottle)

$9.86 SGD 12.65

$3.79 ₹356

160.16%

Milk (1 liter)

$3.02 SGD 3.87

$0.75 ₹70.7

302.67%

White Bread (500g)

$2.67 SGD 3.42

$0.51 ₹47.69

423.53%

Rice (white) (1kg)

$2.77 SGD 3.55

$0.79 ₹74.5

250.63%

Eggs

$3.72 SGD 4.77

$0.87 ₹82.0

327.59%

Local Cheese (1kg)

$21.01 SGD 26.94

$3.91 ₹367

437.34%

Chicken Fillets (1kg)

$9.95 SGD 12.76

$3.02 ₹283

229.47%

Beef Round Steak (1kg)

$25.13 SGD 32.23

Apples (1kg)

$4.59 SGD 5.89

$2.13 ₹200

115.49%

Banana (1kg)

$3.09 SGD 3.96

$0.60 ₹56.6

415.00%

Oranges (1kg)

$4.64 SGD 5.95

$0.82 ₹76.7

465.85%

Tomato (1kg)

$2.18 SGD 2.79

$0.36 ₹33.65

505.56%

Potato (1kg)

$2.33 SGD 2.99

$0.29 ₹27.40

703.45%

Onion (1kg)

$2.31 SGD 2.97

$0.32 ₹30.30

621.88%

Lettuce (1 head)

$1.86 SGD 2.39

$0.40 ₹37.53

365.00%

Water (1.5 liter bottle)

$1.55 SGD 1.98

$0.35 ₹33.16

342.86%

Cigarettes 20 Pack (Marlboro, Camel)

$14.11 SGD 18.10

$3.53 ₹332

299.72%

Wine (Bottle)

$23.24 SGD 29.81

$12.78 ₹1,201

81.85%

Local Beer (0.5 liter bottle)

$4.73 SGD 6.07

$1.77 ₹166

167.23%

Imported Beer (0.33 liter bottle)

$4.79 SGD 6.14

$3.04 ₹286

57.57%

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

$8.12 ₹762

One-way Ticket (Public Transport)

$1.53 SGD 1.96

$0.56 ₹52.2

173.21%

Public Transport Monthly Pass (Regular Price)

$96.5 SGD 124

$15.97 ₹1,500

504.01%

Taxi Start (Normal Tariff)

$3.58 SGD 4.60

$1.56 ₹147

129.49%

Taxi (Normal Tariff) (1km)

$0.76 SGD 0.98

$0.40 ₹37.99

90.00%

Taxi 1hour Waiting (Normal Tariff)

$16.98 SGD 21.77

$2.13 ₹200

697.18%

Gasoline (1 liter)

$2.46 SGD 3.15

$1.11 ₹104

121.62%

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

$159.4K SGD 204.4K

$13.3K ₹1.2M

1102.69%

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

$155.7K SGD 199.7K

$22.5K ₹2.1M

590.63%

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

$168 SGD 215

$54.2 ₹5,085

210.14%

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

$12.24 SGD 15.69

$3.20 ₹301

282.50%

Internet (50+ Mbps, Unlimited Data)

$28.18 SGD 36.14

$5.78 ₹543

387.54%

Gym Membership (Monthly)

$111 SGD 142

$15.27 ₹1,434

624.43%

Tennis Court (1 Hour on Weekend)

$11.60 SGD 14.88

$4.61 ₹433

151.63%

Cinema Ticket

$12.24 SGD 15.70

$3.62 ₹340

238.12%

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

$1,899 SGD 2,435

$71.3 ₹6,700

2561.51%

International Primary School, 1 Child (Yearly)

$39.1K SGD 50.2K

$1,852 ₹174.0K

2012.05%

Jeans (Levis 501 Or Similar)

$79.6 SGD 102

$22.01 ₹2,067

261.84%

Summer Dress (H&M, Zara, etc)

$50.7 SGD 65.0

$40.12 ₹3,767

26.35%

Sport Shoes (Adidas, Nike)

$112 SGD 143

$70.2 ₹6,592

59.00%

Men's Leather Business Shoes

$125 SGD 160

$36.30 ₹3,409

243.09%

1-bedroom Apartment, City Center (Monthly)

$3,191 SGD 4,093

$168 ₹15.8K

1794.51%

1-bedroom Apartment, Outside City Center (Monthly)

$2,257 SGD 2,895

$99.1 ₹9,309

2176.79%

3-bedroom Apartment, City Center (Monthly)

$6,173 SGD 7,917

$426 ₹40.0K

1348.22%

3-bedroom Apartment, Outside City Center (Monthly)

$4,035 SGD 5,175

$280 ₹26.3K

1342.71%

Buy Apartment in City Center (m2)

$23.6K SGD 30.2K

$894 ₹83.9K

2537.32%

Buy Apartment Outside City Center (m2)

$16.5K SGD 21.2K

$688 ₹64.6K

2299.06%

Average Monthly Net Salary (After Tax)

$4,526 SGD 5,804

$318 ₹29.8K

1325.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.44

9.17

-73.39%

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

Last update for Singapore: November 2, 2026

Last update for Ludhiana: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Singapore

$2.3K 62.8%

Ludhiana

$99 20.8% 95.6% $2.2K

Groceries & Markets

Singapore

$459 12.8%

Ludhiana

$113 23.8% 75.3% $346

Eating Out

Singapore

$260 7.2%

Ludhiana

$80 16.8% 69.2% $180

Monthly Utilities & Internet

Singapore

$208 5.8%

Ludhiana

$63 13.3% 69.7% $145

Clothing & Footwear

Singapore

$165 4.6%

Ludhiana

$76 16% 54% $89

Sport & Entertainment

Singapore

$135 3.8%

Ludhiana

$23 4.7% 83.3% $113

Getting Around

Singapore

$110 3.1%

Ludhiana

$22 4.6% 80.2% $88

Cost Breakdown

A central one-bedroom costs $3,191 in Singapore versus $168 in Ludhiana. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Singapore are about 14 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $71 in Singapore versus $10 in Ludhiana. Monthly groceries follow the same trend: $459 vs $113 – making Ludhiana the more affordable choice for daily food spending.

Good to know

🇸🇬 Singapore

🇮🇳 Ludhiana

🕒 Local time

03:59 3:59 AM

01:29 1:29 AM

2 h 30 min behind Singapore

🌤 Weather

👥 Population

5,535,002 Capital

2,232,000

💱 Currency

Singapore Dollar SGD $

Indian Rupee INR ₹

📈 Exchange rate

1 SGD = 0.78 USD

1 SGD = 0.7 EUR

1,000 INR = 10.65 USD

1,000 INR = 9.56 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 7, 2026: 1 USD = 1.28 SGD (1 SGD = 0.78 USD). 1 EUR = 1.43 SGD (1 SGD = 0.7 EUR).

Indian Rupee exchange rates as of November 7, 2026: 1 USD = 93.91 INR (100 INR = 1.06 USD). 1 EUR = 105 INR (1,000 INR = 9.56 EUR).

USD to SGD in detail →

On the map

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Highest

Between locations

Singapore Ludhiana 4,420 km ≈ 6 h nonstop flight

From you

Singapore
Ludhiana

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 Ludhiana: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,594 in Singapore, $476 in Ludhiana – Ludhiana comes out roughly 87% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $5,392 per month in Singapore and $714 in Ludhiana. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ludhiana, especially for central apartments: a one-bedroom in the center costs $168 there versus $3,191 in Singapore.

Kindergarten costs $1,899 per month in Singapore and $71 in Ludhiana. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 306% more in Singapore, though the gap depends on what you buy.

A $1,200 monthly budget goes further in Ludhiana, where all-in costs run around $476, than in Singapore at $3,594. In Ludhiana it covers expenses comfortably, while in Singapore it requires careful planning or may not stretch far enough.

Families tend to lean toward Ludhiana – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Ludhiana. If higher salaries or specific career opportunities are the priority, Singapore makes more sense. Both are solid long-term options with distinct trade-offs.