Cost of Living in Mumbai, Maharashtra

Key metrics

• Country: India
• Currency: INR
• Avg 1BR rent (centre): ₹55,000
• Avg net salary: ₹55,000
• Cost of living index (CPI): 20.1
• Rent index: 10.5
• Purchasing power index: 55
• Groceries sample (milk 1L): ₹60
• Transport ticket: ₹20
• Utilities (85m²): ₹3,500
• Restaurant meal: ₹400

Mumbai overview

Use this Mumbai, Maharashtra, India knowledge page to inspect verified living-cost signals. Figures are composed from CityCost reference data (Real, ★★★★★ Real surveyed data) and eligibility metadata; optional domains without verified sources are listed as unavailable instead of invented. Population estimate on the eligible-city record: 20,000,000. Primary timezone reference on record: Asia/Kolkata. Local currency for published prices: INR (₹). Coordinates on record: 19.08, 72.88. Mumbai is flagged as a tourism or business hub in index signals. Internal tier signal on record: 1. Readers should treat city-centre references as anchors, then validate neighbourhood leases, taxes, and visas independently before relocating. Verified information is currently unavailable for: nearby airports, climate, major industries, education, healthcare, safety. Those topics are omitted rather than estimated.

Population context: roughly 20,000,000 residents (estimate). Metro definitions vary; treat CBD averages as a starting point and adjust for the district you would actually live in.

Average monthly net salary (after tax) on record is about ₹55,000 INR. Purchasing power index 55.0 describes how far a typical local salary stretches against local prices. Stress-test affordability by comparing the ₹55,000 INR 1BR centre reference against ₹55,000 INR net pay, then adjusting for your actual housing target. Offers denominated in foreign currency should be converted carefully; published figures on this page stay in INR. Industry wage premiums are not asserted without verified payroll datasets. Students and new graduates may earn below the average net salary figure — treat ₹55,000 INR as a market midpoint signal, not a personal guarantee.

Based on curated surveyed / published cost-of-living reference data for this city.

Housing costs

A reference 1-bedroom apartment in the city centre averages about ₹55,000 INR per month in the published basket. The rent index (10.5) situates that housing pressure relative to the global baseline used by CityCost. On published figures, the centre 1BR reference is about 100% of the average net monthly salary — a stress-test ratio, not a household budget. Neighbourhood choice, building age, and furnishings can move actual leases well above or below the city-centre reference. Outer districts often price differently from the CBD sample. When comparing Mumbai to peers, prefer paired rent indices on comparison pages rather than converting foreign rents with informal FX guesses.

Suburban or older stock can undercut CBD averages substantially. Families should model 2–3BR premiums and deposits; students should price shared flats near transit. Cross-check Mumbai against nearby peers on this site before locking a budget.

Food & groceries

Mumbai's day-to-day living mix depends on district density, dining habits, and transport mode — use the published indices as anchors rather than anecdote. With CPI at 20.1, everyday services and goods sit below the NYC baseline on this methodology. Fixed monthly anchors on record include transport tickets (~₹20 INR one-way) and utilities (~₹3,500 INR for the 85m² sample). Lifestyle fit also depends on education, healthcare, and safety — verified overviews for those domains are unavailable on this page and are therefore omitted.

Tourist corridors often inflate dining samples. Build a personal basket (home cooking vs eating out) and compare with similar-cost cities linked below. Groceries usually move with CPI more tightly than luxury dining.

Transport

A one-way local transport ticket averages about ₹20 INR in the reference basket for Mumbai. That single-ticket proxy does not equal a monthly commute budget: passes, ride-hail, fuel, parking, and last-mile costs can dominate for some households. Remote-first workers may underweight transport relative to rent; on-site workers should model peak-hour routes before treating ₹20 INR as representative.

Commuters should price monthly passes and last-mile gaps; car ownership adds insurance, parking, and fuel outside this basket. Pair transport with housing: a cheaper suburb can erase savings if every commute is long.

Typical monthly budget

Illustrative single-adult monthly sketch for Mumbai using on-page samples (not a quote): rent ~₹55,000, utilities ~₹3,500, transit scaled from ticket samples, and a mixed grocery/dining allowance. Core essentials land near ₹64,300 INR; a modest lifestyle buffer ~₹73,945; a more comfortable buffer ~₹93,235.

Compare essentials with net salary ₹55,000. If rent alone exceeds ~35–40% of net pay, look at outer districts or similar-cost cities linked below. Utilities notes: Basic utilities for an 85m² apartment average about ₹3,500 INR in the reference basket (electricity, heating/cooling, water, garbage — before internet and mobile). Seasonal heating or cooling can change monthly totals. Verified climate time series are not attached on this page, so weather-driven utility swings are not estimated here. Add broadband and mobile plans separately when building a relocation spreadsheet for Mumbai, Maharashtra, India..

• CPI 20.1 · Rent index 10.5 · PP 55
• Currency: INR
• Confidence: ★★★★★ Real surveyed data

FAQ

Planning a move to Mumbai

Mumbai, Maharashtra is best evaluated as rent-to-wage fit first, CPI second. With CPI 20.1, rent index 10.5, and purchasing power 55, decide which constraint binds your household—shelter, everyday prices, or local wages.

Next steps: open Pune, Delhi, New Delhi for nearby alternatives, run a side-by-side in the calculator, and read Methodology if confidence is ★★★★★ Real surveyed data. Country context: cost of living in India.

Mumbai, Maharashtra, India: CPI 20.1, rent index 10.5, purchasing power 55.0. 1BR centre rent ~₹55,000 INR. Net salary ~₹55,000 INR. Data: Real.

Trust & data transparency

Last updated: 2026-07-12

Data Sources

This page uses CityCost index inputs. Platform sources (see also Data sources):

• Real
• ★★★★★ Real surveyed data

On-page labels for this view: Real · ★★★★★ Real surveyed data.

Methodology

Each indexed city is associated with a reference basket of common living costs (for example rent, groceries samples, transport tickets, utilities, restaurant meals, and net salary where available). From those items, the platform derives relative indices such as CPI, rent, groceries, restaurants, and local purchasing power, using New York City = 100 as the familiar baseline convention for relative comparison.

Read full methodology · Data sources · Disclaimer