Hubli-Dharwad vs Mumbai
Interactive Cost of Living Comparison — Karnataka vs Maharashtra
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Living in Hubli-Dharwad is ~95% cheaper than Mumbai. You'll save approximately ₹41,643 per month.
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Detailed Price Comparison
Restaurants & Dining
Average prices at local restaurants, street food stalls, and cafes
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
Veg Thali (local restaurant) per plate ×2 | +114.3% | |||
Non-Veg Thali (local restaurant) per plate ×2 | +69.2% | |||
Meal for Two (high-end restaurant) per meal ×1 | +100% | |||
Chai (regular cup) per cup ×30 | +50% | |||
Coffee (Cappuccino) per cup ×10 | +66.7% | |||
Specialty Coffee (Third Wave) per cup ×4 | +18.6% | |||
Street Food (Vada Pav / Samosa) per piece ×8 | +100% | |||
Biryani (chicken) per plate ×2 | +56.3% | |||
Dosa (plain) per plate ×4 | +100% | |||
Fast Food Combo (McDonald's) per meal ×2 | +8.7% | |||
Soft Drink (Coca-Cola, 300ml) per bottle ×4 | +14.3% | |||
Bottled Water (1 litre) per bottle ×15 | same |
Groceries
Prices at local markets and grocery stores, including health supplements
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
Rice (Basmati) 1 kg ×5 | +41% | |||
Wheat Flour (Atta) 1 kg ×3 | +31% | |||
Toor Dal 1 kg ×2 | +12.7% | |||
Milk (Full Cream) 1 litre ×15 | +24% | |||
Eggs 12 pcs ×3 | +23.5% | |||
Chicken 1 kg ×2 | +33.3% | |||
Paneer 1 kg ×1 | +21.2% | |||
Onions 1 kg ×3 | +53.8% | |||
Tomatoes 1 kg ×3 | +56.3% | |||
Potatoes 1 kg ×3 | +25% | |||
Cooking Oil (Sunflower) 1 litre ×2 | +10.3% | |||
Sugar 1 kg ×1 | +14.3% | |||
Apples (Shimla) 1 kg ×2 | same | |||
Bananas 1 dozen ×2 | +57.9% | |||
Bread (White, Sliced) 1 loaf ×2 | +31.6% | |||
Whey Protein (1 kg) per kg ×1 | same |
Transportation
Public transport, ride-hailing, and fuel costs
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
Auto Rickshaw (minimum fare) per ride ×15 | +15% | |||
Auto Rickshaw (per km after min) per km ×1 | +60% | |||
Metro / Local Train (monthly pass) per month ×1 | +150% | |||
Bus (monthly pass) per month ×1 | +125% | |||
Ola/Uber (avg ride) per ride ×8 | +48.1% | |||
Petrol 1 litre ×20 | +1.9% | |||
Diesel 1 litre ×15 | +4.5% | |||
Two Wheeler EMI (avg) per month ×1 | same | |||
Car EMI (avg) per month ×1 | same |
Utilities (Monthly)
Monthly bills for electricity, water, internet, and mobile
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
Electricity per month ×1 | +108.3% | |||
Water Bill per month ×1 | +177.8% | |||
Cooking Gas (LPG Cylinder) per cylinder ×1 | same | |||
Broadband Internet per month ×1 | +54.5% | |||
Mobile Plan (Jio/Airtel) per month ×1 | +16.7% |
Accommodation - Rent (Monthly)
Monthly rent for apartments in different areas
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
1 BHK in City Centre per month ×1 | +712.5% | |||
1 BHK Outside City Centre per month ×1 | +600% | |||
2 BHK in City Centre per month ×1 | +685.7% | |||
2 BHK Outside City Centre per month ×1 | +587.5% | |||
3 BHK in City Centre per month ×1 | +627.3% | |||
3 BHK Outside City Centre per month ×1 | +476.9% | |||
Home Loan EMI (2BHK avg) per month ×1 | +196.4% |
Household Help & Misc
Cook, maid, and other monthly household expenses
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
Cook (part-time, 2 meals/day) per month ×1 | +30.4% | |||
Maid / Cleaning Help per month ×1 | +30.4% | |||
Laundry / Ironing (dhobi) per month ×1 | +27.9% | |||
Miscellaneous Monthly Spend per month ×1 | +30.4% |
Shopping & Online
Clothing, personal care, and online shopping averages
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
Men's Casual Shirt (Zara/H&M) per piece ×1 | same | |||
Women's Dress (Myntra/Zara) per piece ×1 | same | |||
Running Shoes (Nike/Adidas) per pair ×1 | same | |||
Skincare Basics (Nykaa avg) per month ×1 | same | |||
Amazon Prime Membership per month ×1 | same |
Lifestyle & Entertainment
Gym, movies, streaming, and personal care
| Include | Item | Hubli-Dharwad | Mumbai | Diff |
|---|---|---|---|---|
Gym Membership per month ×1 | +212.5% | |||
Movie Ticket (Multiplex) per ticket ×2 | +87.5% | |||
Netflix (Standard Plan) per month ×1 | same | |||
Spotify Premium per month ×1 | same | |||
Haircut (Men, basic salon) per cut ×1 | +185.7% | |||
Domestic Beer (pint, restaurant) per pint ×4 | +47.1% | |||
Imported Beer (bottle, restaurant) per bottle ×2 | +32.4% |
Hubli-Dharwad vs Mumbai: Cost of Living Summary
An overview of how costs compare between Karnataka and Maharashtra.
Hubli-Dharwad is approximately 80% cheaper than Mumbai overall (Cost Index: 20 vs 100, Mumbai = 100). If affordability is your primary concern, Hubli-Dharwad has a clear advantage. That said, salary levels and career opportunities vary between the two cities, so your net purchasing power depends on your specific role and industry.
Key Price Comparison
| Item | Hubli-Dharwad | Mumbai | Cheaper |
|---|---|---|---|
| 1 BHK in City Centre | ₹8,000 | ₹65,000 | Hubli-Dharwad (88% less) |
| PG - Double Sharing (with meals) | ₹5,000 | ₹12,000 | Hubli-Dharwad (58% less) |
| Veg Thali (local restaurant) | ₹70 | ₹150 | Hubli-Dharwad (53% less) |
| Metro / Local Train (monthly pass) | ₹600 | ₹1,500 | Hubli-Dharwad (60% less) |
| Electricity | ₹1,200 | ₹2,500 | Hubli-Dharwad (52% less) |
Choose Hubli-Dharwad if you…
- ✓Want a lower cost of living (80% cheaper than Mumbai)
- ✓Have a job offer or career opportunity in Karnataka
- ✓Prefer the culture, climate, and lifestyle of Hubli-Dharwad
Choose Mumbai if you…
- ✓Have a job offer or career opportunity in Maharashtra
- ✓Prefer the culture, climate, and lifestyle of Mumbai
- →Are comfortable with higher living costs in exchange for other benefits
Common Questions: Hubli-Dharwad vs Mumbai
Is Hubli-Dharwad cheaper than Mumbai?
Hubli-Dharwad is cheaper than Mumbai by approximately 80%. Hubli-Dharwad has a Cost Index of 20 vs Mumbai's 100 (Mumbai = 100).
What is the average rent in Hubli-Dharwad compared to Mumbai?
A 1BHK in Hubli-Dharwad's city centre costs around ₹8,000/month, compared to ₹65,000/month in Mumbai. Hubli-Dharwad is more affordable for renting.
Which city is better for working professionals — Hubli-Dharwad or Mumbai?
Both Hubli-Dharwad and Mumbai have active job markets. Hubli-Dharwad offers a lower cost of living, which means your salary goes further. However, the right choice depends on your industry, career stage, and lifestyle preferences. Use the salary evaluator tool to compare purchasing power across cities.
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