Last update: Oct 2026

Cost of Living Comparison Between Surat and Mumbai (Bombay)

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

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Cost of Living Index in Surat
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Surat Living Index
39

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

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Surat

🇮🇳 India

$799

/mo nomad

Mumbai (Bombay)

🇮🇳 India

$813

/mo nomad

Monthly Cost of Living

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

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

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

Surat $799
Mumbai (Bombay) $813

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

Surat $853
Mumbai (Bombay) $1,352

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

Surat $906
Mumbai (Bombay) $1,891

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

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

Meal at Budget Restaurant

$3.14 ₹298

$5.35 ₹508

-41.31%

Three-Course Dinner for Two, Mid-Range

$10.59 ₹1,005

$20.87 ₹1,982

-49.26%

Fast Food Meal (McDonalds, etc)

$3.22 ₹305

$4.08 ₹387

-21.08%

Cappuccino

$1.76 ₹167

$2.78 ₹264

-36.69%

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

$0.39 ₹37.13

$0.40 ₹38.23

-2.50%

Water (0.33 liter bottle)

$0.14 ₹13.58

$0.15 ₹14.42

-6.67%

Local Beer (0.5 liter draught)

$3.21 ₹305

$2.64 ₹251

21.59%

Imported Beer (0.33 liter bottle)

$3.39 ₹322

$4.25 ₹404

-20.24%

Milk (1 liter)

$0.72 ₹68.1

$0.74 ₹70.5

-2.70%

White Bread (500g)

$0.46 ₹43.78

$0.54 ₹51.3

-14.81%

Rice (white) (1kg)

$0.72 ₹68.5

$0.78 ₹74.1

-7.69%

Eggs

$0.90 ₹85.5

$1.00 ₹95.1

-10.00%

Local Cheese (1kg)

$4.63 ₹439

$5.61 ₹533

-17.47%

Chicken Fillets (1kg)

$2.74 ₹260

$3.58 ₹340

-23.46%

Apples (1kg)

$1.67 ₹158

$2.17 ₹206

-23.04%

Banana (1kg)

$0.57 ₹54.5

$0.69 ₹65.8

-17.39%

Oranges (1kg)

$0.76 ₹71.9

$1.21 ₹114

-37.19%

Tomato (1kg)

$0.55 ₹52.2

$0.49 ₹46.33

12.24%

Potato (1kg)

$0.39 ₹36.78

$0.33 ₹31.70

18.18%

Onion (1kg)

$0.43 ₹40.99

$0.37 ₹35.53

16.22%

Lettuce (1 head)

$0.46 ₹44.15

$0.44 ₹41.78

4.55%

Water (1.5 liter bottle)

$0.30 ₹28.04

$0.31 ₹29.64

-3.23%

Cigarettes 20 Pack (Marlboro, Camel)

$4.94 ₹469

$5.00 ₹475

-1.20%

Wine (Bottle)

$7.81 ₹742

$8.34 ₹792

-6.35%

Local Beer (0.5 liter bottle)

$1.86 ₹177

$1.99 ₹189

-6.53%

Imported Beer (0.33 liter bottle)

$3.05 ₹289

$3.12 ₹296

-2.24%

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

$6.18 ₹587

$6.01 ₹570

2.83%

One-way Ticket (Public Transport)

$0.20 ₹18.98

$0.20 ₹18.95

Public Transport Monthly Pass (Regular Price)

$3.21 ₹305

$6.90 ₹655

-53.48%

Taxi Start (Normal Tariff)

$0.56 ₹53.5

$0.31 ₹29.84

80.65%

Taxi (Normal Tariff) (1km)

$0.22 ₹20.90

$0.31 ₹29.41

-29.03%

Taxi 1hour Waiting (Normal Tariff)

$1.08 ₹102

$1.61 ₹153

-32.92%

Gasoline (1 liter)

$1.13 ₹108

$1.10 ₹105

2.73%

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

$11.4K ₹1.1M

$15.6K ₹1.5M

-27.08%

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

$18.3K ₹1.7M

$22.4K ₹2.1M

-18.19%

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

$36.87 ₹3,500

$61.9 ₹5,872

-40.39%

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

$3.56 ₹338

$4.52 ₹429

-21.24%

Internet (50+ Mbps, Unlimited Data)

$7.44 ₹706

$8.97 ₹852

-17.06%

Gym Membership (Monthly)

$18.56 ₹1,762

$37.11 ₹3,524

-49.99%

Tennis Court (1 Hour on Weekend)

$5.45 ₹517

$14.11 ₹1,340

-61.37%

Cinema Ticket

$2.98 ₹283

$5.01 ₹475

-40.52%

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

$32.79 ₹3,113

$119 ₹11.3K

-72.45%

International Primary School, 1 Child (Yearly)

$937 ₹89.0K

$4,948 ₹469.8K

-81.06%

Jeans (Levis 501 Or Similar)

$22.65 ₹2,151

$36.37 ₹3,453

-37.72%

Summer Dress (H&M, Zara, etc)

$24.76 ₹2,350

$38.71 ₹3,675

-36.04%

Sport Shoes (Adidas, Nike)

$40.73 ₹3,867

$54.7 ₹5,196

-25.58%

Men's Leather Business Shoes

$32.31 ₹3,068

$48.03 ₹4,560

-32.73%

1-bedroom Apartment, City Center (Monthly)

$208 ₹19.8K

$640 ₹60.7K

-67.48%

1-bedroom Apartment, Outside City Center (Monthly)

$484 ₹46.0K

$372 ₹35.3K

30.24%

3-bedroom Apartment, City Center (Monthly)

$387 ₹36.7K

$2,093 ₹198.7K

-81.50%

3-bedroom Apartment, Outside City Center (Monthly)

$241 ₹22.9K

$925 ₹87.8K

-73.89%

Buy Apartment in City Center (m2)

$645 ₹61.2K

$5,706 ₹541.7K

-88.70%

Buy Apartment Outside City Center (m2)

$364 ₹34.5K

$2,560 ₹243.0K

-85.80%

Average Monthly Net Salary (After Tax)

$319 ₹30.3K

$757 ₹71.9K

-57.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.17

8.29

10.62%

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

Last update for Surat: October 25, 2026

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

Monthly budget structure

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

Accommodation & Living

Surat

$484 60.6%

Mumbai (Bombay)

$372 45.7% 23.2% $112

Groceries & Markets

Surat

$102 12.8%

Mumbai (Bombay)

$117 14.4% 14.9% $15

Eating Out

Surat

$81 10.1%

Mumbai (Bombay)

$112 13.8% 39% $31

Clothing & Footwear

Surat

$54 6.8%

Mumbai (Bombay)

$80 9.8% 47.7% $26

Monthly Utilities & Internet

Surat

$48 6%

Mumbai (Bombay)

$75 9.3% 57.4% $27

Sport & Entertainment

Surat

$25 3.1%

Mumbai (Bombay)

$47 5.8% 92.2% $23

Getting Around

Surat

$5.7 0.7%

Mumbai (Bombay)

$9.6 1.2% 68.3% $3.9

Cost Breakdown

A one-bedroom apartment in the center runs $208 in Surat and $640 in Mumbai (Bombay). 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: $11 in Surat vs $21 in Mumbai (Bombay) for a mid-range dinner for two. Groceries echo the gap at $102 vs $117 per month, with Surat cheaper across the board.

Good to know

🇮🇳 Surat

🇮🇳 Mumbai (Bombay)

🕒 Local time

15:19 3:19 PM

Same time as Surat

🌤 Weather

👥 Population

6,936,534

12,442,373

💱 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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Surat Mumbai (Bombay) 240 km

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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

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

On paper, salaries run 58% lower in Surat. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $208 in Surat versus $640 in Mumbai (Bombay). Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $33 in Surat versus $119 in Mumbai (Bombay). 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.