Cost of Living in India: Explore Top 10 Affordable Cities

Cost of Living in India: Explore Top 10 Affordable Cities

Want to live like a local and work remotely in India without breaking the bank? For remote workers, the cost of living in India is one of the biggest reasons it’s become a top destination. Whether you’re typing away in a Kochi café or joining meetings from a Jaipur coworking space, your dollar, euro, or pound stretches remarkably far here.

In this guide, I’ll break down monthly living costs across 10 affordable cities—from rent and internet to dining and entertainment. You’ll find real numbers, personal insights from my three years working remotely across India, and resources like our detailed budget spreadsheet to help you plan your adventure.

Table of Contents

• Top 10 Affordable Indian Cities for Digital Nomads
• Detailed Living Cost Breakdown
• Remote Work Environment and Digital Resources
• Budgeting Tips to Stretch Your Money
• Frequently Asked Questions (FAQ)
• Conclusion + Bonus Guide

Top 10 Affordable Indian Cities for Digital Nomads: A Cost of Living Comparison

Affordable doesn’t mean compromising—these cities offer rich experiences at budget-friendly prices. According to a 2023 International Citizens survey, India ranks as the 2nd most affordable country for digital nomads worldwide, with daily expenses averaging just $30-40 compared to $70-100 in Thailand.

Here are my top 10 city recommendations, carefully selected based on affordability, internet reliability, safety metrics, and remote work infrastructure:

The List (ranked by overall nomad-friendliness)

• Jaipur, Rajasthan – Pink City with rich culture and growing tech scene
• Kochi, Kerala – Coastal charm with excellent work-life balance
• Pune, Maharashtra – Educational hub with established coworking culture
• Ahmedabad, Gujarat – Business-friendly with excellent infrastructure
• Lucknow, Uttar Pradesh – Cultural capital with low competition for resources
• Chandigarh, Punjab/Haryana – Planned city with exceptional urban design
• Mysore, Karnataka – Yoga center with peaceful work environments
• Visakhapatnam, Andhra Pradesh – Beachside city with emerging tech presence
• Bhubaneswar, Odisha – Temple city with unexpectedly great connectivity
• Indore, Madhya Pradesh – India’s cleanest city with affordable living

City	Rent (1BHK)	Groceries	Transport	Dining Out	Utilities	Internet	Coworking	Total (USD)
Jaipur	$160	$100	$25	$2.5	$35	$12	$60	$392
Kochi	$180	$95	$20	$2	$30	$10	$65	$402
Pune	$250	$110	$30	$3	$40	$15	$70	$518
Ahmedabad	$170	$90	$20	$2	$30	$12	$55	$379
Lucknow	$150	$85	$20	$2	$30	$12	$50	$349
Chandigarh	$200	$100	$25	$2.5	$35	$15	$65	$442
Mysore	$160	$90	$20	$2	$30	$12	$55	$369
Visakhapatnam	$150	$85	$20	$2	$30	$12	$45	$344
Bhubaneswar	$140	$80	$20	$2	$30	$12	$40	$324
Indore	$130	$80	$20	$2	$30	$12	$40	$314

Decoding the Cost of Living: A Detailed Breakdown

Let’s dig deeper into what these numbers actually mean for your daily life as a remote worker in India. Having worked from seven different Indian cities over the past three years, I’ve gathered practical insights on real-world costs.

Rent and Accommodation

Rental prices vary significantly based on neighborhood, amenities, and whether you’re going through agencies or direct owners. In Jaipur or Bhubaneswar, you can secure a fully furnished 1BHK apartment for under $200/month in good areas. In Pune, expect to pay $250–$300 for similar accommodations in tech hubs like Hinjewadi or Viman Nagar.

During my six-month stay in Kochi, I rented a spacious 1BHK apartment with a sea view in Fort Kochi for just $195/month. The owner initially quoted $240 but reduced it for my longer stay commitment.

Pro Tip: Connect with local landlords through Facebook groups or by visiting neighborhoods in person. They’re typically more flexible with negotiation, especially for 3+ month stays. Rental platforms often mark up prices by 20-30% for foreign travelers.

Food and Groceries

Your monthly groceries will range from $90–$130, depending on your cooking habits and dietary preferences. Local markets offer tremendous value—a week’s worth of fresh vegetables and fruits typically costs under $15.

During a month-long work sprint in Mysore, I discovered local breakfast gems—authentic masala dosas for less than a dollar that fueled my morning coding sessions. Meanwhile, dinner at a mid-range restaurant might cost $5-8, while a meal at a local eatery (called a dhaba) rarely exceeds $2-3.

International foods and imported goods command premium prices, so adapting to local options significantly reduces food expenses. A month of mainly eating local cuisine can easily save you $150-200 compared to Western-style meals.

Transportation

Public transportation in Indian cities is remarkably affordable. Metro systems in cities like Jaipur cost around $0.30-0.50 per trip. Bus fares rarely exceed $0.25 for city routes. Auto-rickshaws and shared autos are widely available in smaller cities.

Ride-sharing platforms like Ola and Uber operate in all ten cities on our list, with city trips usually costing $2–$5. For longer stays, consider renting a scooter ($40–$60/month)—this provides maximum flexibility while keeping costs predictable.

In Ahmedabad, I rented a scooter for $45/month which completely transformed my experience, allowing me to explore neighborhoods and attend meetups without constant transportation planning.

Utilities and Internet

Electricity, water, gas, and other utilities typically total $25–$45 monthly. Some landlords include basic utilities in the rent, so always clarify what’s covered.

Internet infrastructure has improved dramatically across India. Reliable fiber connections (50-100 Mbps) are widely available from providers like Jio Fiber and Airtel Xstream for $12-15/month. Mobile data is extraordinarily cheap—I use a Jio SIM with 1.5GB daily data for just $3/month as backup internet.

Worth noting: power outages can occur in some cities, but most apartments in areas popular with remote workers have backup generators or inverters.

Entertainment and Leisure

Entertainment costs are refreshingly low. Movie tickets at multiplexes cost $3-5, while local theaters may charge as little as $1.50. Museum entries typically range from free to $3 for foreigners.

Activities like yoga classes ($2-5 per session), cultural performances, and weekend getaways are all affordable. In Lucknow, I attended a classical music concert in a 200-year-old haveli for just $2, an experience that would have cost $50+ in Europe or North America.

Remote Work Environment and Digital Nomad Resources

Internet Connectivity

Contrary to outdated perceptions, India’s internet infrastructure has seen massive improvements. In most urban areas, fiber connections deliver speeds comparable to Western countries at a fraction of the cost.

During my three-month stay in a Kochi Airbnb, I consistently measured 75Mbps download/30Mbps upload speeds—more than enough for HD video calls, large file transfers, and simultaneous streaming. For critical work periods, I maintained a mobile hotspot backup, though I rarely needed it.

Based on my testing across these cities, here’s what you can expect for internet performance:

• Top tier: Pune, Bangalore, Chandigarh (80-100Mbps fiber widely available)
• Strong performers: Jaipur, Kochi, Ahmedabad (50-80Mbps, reliable connections)
• Solid options: Indore, Mysore, Lucknow, Bhubaneswar, Visakhapatnam (30-50Mbps, occasional fluctuations)

Many cafés and restaurants now offer decent WiFi, though speeds vary widely. For crucial work sessions, stick to dedicated coworking spaces.

Coworking Spaces

India’s coworking scene has exploded in recent years, with options ranging from corporate environments to bohemian creative spaces. Monthly memberships typically cost $50–$100 depending on the city, with daily passes available for $3-8.

Notable coworking chains with presence in multiple cities include:

• 91springboard – Professional atmosphere with 24/7 access in most locations
• Innov8 – Design-focused spaces with strong community events
• MyHQ – Flexible passes that work across multiple locations
• Awfis – Corporate-style facilities with excellent meeting rooms

In addition to established chains, each city boasts unique independent spaces. In Jaipur, I frequented Startup Oasis near Jawahar Circle, which offered a day pass for just $2.50 including unlimited chai and fast internet.

Digital Nomad Communities

India’s digital nomad ecosystem is growing rapidly. While not yet at the level of Bali or Chiang Mai, cities like Pune, Jaipur, and Kochi have developed vibrant communities of both foreign and domestic remote workers.

To connect with fellow nomads and expats:

• Facebook Groups: “Digital Nomads India” (6,500+ members), city-specific groups like “Expats in Pune”
• Meetup.com: Regular tech and remote work events in larger cities
• NomadList: Growing Indian city listings with active chat communities
• WhatsApp/Telegram groups: Often the most active real-time communities (get invited through Facebook groups)

I’ve found Indian tech communities particularly welcoming to foreign professionals. When I joined a JavaScript meetup in Pune, I immediately connected with three other remote developers who became valuable parts of my professional network.

Safety and Security

Most cities on this list rank as relatively safe for digital nomads, though standard precautions apply. Based on my experience and Numbeo Safety Index data, Chandigarh, Pune and Indore consistently rank as the safest options.

For solo female travelers, areas like Fort Kochi in Kerala and the newer parts of Chandigarh offer particularly comfortable environments. As with anywhere, research neighborhoods carefully before committing to accommodations.

Health infrastructure varies by city. Pune, Chandigarh, and Ahmedabad offer excellent private healthcare options, while smaller cities may have more limited facilities. Travel insurance with evacuation coverage is recommended, especially for stays in tier-2 cities.

Budgeting Tips for Thriving in India on a Budget

After spending over 800 days across different Indian cities, I’ve developed practical strategies to maintain comfort while stretching my budget. These aren’t just theoretical tips—they’re approaches I personally use to balance quality of life with financial efficiency.

Accommodation Hacks

• Negotiate longer stays: I secured a 30% discount on my Jaipur apartment by committing to six months upfront. Most landlords will reduce monthly rates for 3+ month commitments.
• Look beyond the obvious platforms: While Airbnb offers convenience, local platforms like NoBroker or Facebook Marketplace typically list the same properties 15-25% cheaper.
• Consider alternative housing: In Mysore, I stayed at a family-run guesthouse for $140/month including breakfast and weekly cleaning—significantly better value than a standard apartment.
• Location trade-offs: In Pune, staying 15 minutes from the popular Koregaon Park area rather than directly in it saved me $100/month in rent while still providing excellent access.

Food Budgeting Strategies

• Embrace local breakfast options: Indian breakfast foods like idli, dosa, and poha are nutritious, delicious, and typically cost under $1 at local establishments.
• Cook strategically: Focus on simple dishes using local ingredients. Rice, dal, seasonal vegetables, and basic spices form the foundation of budget-friendly meals.
• Meal subscriptions: In several cities, I used services like FreshMenu or local tiffin providers that deliver home-style meals for $2-3 each—cheaper than restaurant dining but more convenient than daily cooking.
• Market timing: Visiting vegetable markets in the evening often yields discounts of 20-30% as vendors clear perishable inventory.

Transportation Savings

• Monthly metro passes: Cities like Jaipur offer monthly metro passes that can reduce per-trip costs by up to 40% for regular commuters.
• Shared autos and e-rickshaws: These follow set routes like buses but are more flexible. In Lucknow, I regularly traveled 5-6km for just $0.25 using shared e-rickshaws.
• Walking neighborhoods: When choosing accommodation, prioritize walkable areas. In Kochi, staying in Fort Kochi allowed me to walk to cafés, coworking spaces, and markets, eliminating daily transportation costs.
• Ride-sharing passes: Both Uber and Ola offer subscription packages that can reduce regular commuting costs by 15-20% if you use these services frequently.

Negotiating Prices

Friendly negotiation is standard practice in many Indian contexts. The approach matters significantly—aggressive bargaining often backfires, while conversational, relationship-based negotiation typically yields better results.

During my time in Ahmedabad, I formed a friendly relationship with a local craftsman who ended up creating a custom leather bag for me at 40% below his initial quote. We started with casual conversations about his craft before discussing any business. This approach—building rapport before negotiating—consistently yields better results than immediate price discussions.

Areas where negotiation is expected:

• Local markets (not fixed-price stores)
• Auto-rickshaw rides (in cities without meters)
• Accommodation for stays longer than a week
• Crafts and custom-made items

Areas where negotiation is usually inappropriate:

• Restaurants and food establishments
• Modern retail stores
• App-based services with fixed pricing
• Government services or official fees

Managing Work Expenses

As remote workers, we have unique budget considerations. Here are strategies I’ve implemented to optimize work-related expenses in India:

• Coworking day passes vs. monthly: If you work from cafés or home 2+ days per week, day passes often prove more economical than monthly commitments.
• Internet redundancy: Rather than expensive backup internet solutions, a good mobile data plan (≈$3/month) provides sufficient backup for most needs.
• Power solutions: In areas with occasional outages, a basic power bank ($20-30) can keep essential devices running rather than investing in expensive backup systems.
• Business services: Printing, scanning, and office supplies cost 50-70% less than in Western countries. Use local copy shops rather than printing at coworking spaces for better rates.

Frequently Asked Questions (FAQ)

Which is the cheapest metro city in India to live in?

Kolkata consistently ranks as the most affordable major metro city in India. While not on our top 10 list (due to factors like seasonal weather extremes), it offers substantially lower costs than other metros. A comfortable lifestyle in Kolkata might cost $450-550 monthly compared to $650-800 in Pune or $900-1200 in Bangalore.

How much money do I need per month to live comfortably in India?

For a comfortable lifestyle with occasional indulgences, budget $500-700 in tier-2 cities (like Jaipur or Kochi) and $700-1000 in major metros. This includes private accommodation, regular dining out, weekend activities, and coworking access. If you’re on a mumbai nomad budget, aim higher ($900-1200) or consider shared housing and local dining options.

Is it expensive to eat out daily in India?

Not at all. Eating out daily remains affordable if you embrace local eateries. Budget $90-150 monthly for daily meals at neighborhood restaurants, depending on your preferences. Street food and casual restaurants offer full meals for $1-3, while mid-range restaurants might charge $5-8 per meal. International cuisine and upscale dining are the only categories where prices approach Western levels.

How does the cost of rent vary between cities?

Rental costs show the widest variation among living expenses. Monthly rent for a comfortable 1-bedroom apartment ranges from $130-180 in cities like Indore or Bhubaneswar, $180-250 in Jaipur or Kochi, and $300-450 in Pune. The bangalore cost of living for accommodation is highest, with similar apartments starting at $350-400 in outer areas and $500-700 in central locations.

Is India safe for solo digital nomads?

Most cities on our list are reasonably safe for solo travelers who exercise standard precautions. Cities like Chandigarh, Pune, and Indore consistently rank higher on safety indices. For solo female travelers, research specific neighborhoods rather than making city-wide assumptions. Join local expat groups for current safety information and area-specific advice.

How reliable is the internet for video calls and large file transfers?

In all ten cities listed, fiber internet connections offer sufficient reliability for professional remote work. Average speeds of 50-100 Mbps are common in urban areas, easily supporting video conferencing and file transfers. For critical work periods, having a mobile data backup is recommended, particularly during monsoon season when occasional outages may occur.

Do I need to speak Hindi or local languages to get by?

English is widely spoken in professional environments, tourist areas, and among younger Indians in urban centers. While learning basic Hindi phrases is appreciated, you can navigate daily life comfortably with English in all cities on our list. In South Indian cities like Kochi and Mysore, English is often more widely used than Hindi.

What’s the best way to find long-term accommodation?

For stays exceeding one month, arrive with a short-term booking (1-2 weeks), then search locally for better rates. Facebook groups like “Flats and Flatmates [City Name]” often have the best deals. Local real estate agents can also help, typically charging 15-30 days’ rent as commission. Avoid paying large deposits remotely before seeing properties in person.

Conclusion: Pick Your City, Pack Smart, Live Light

The remarkably affordable cost of living in India creates unique opportunities for digital nomads, remote workers, and location-independent entrepreneurs. You can genuinely build your career, experience rich cultural immersion, and maintain financial stability simultaneously—a combination increasingly rare in today’s global landscape.

From my perspective, having worked remotely across three continents, India offers the most favorable balance between cost of living and quality of life for budget-conscious remote workers. The cities highlighted in this guide provide not just affordability, but vibrant communities, reliable infrastructure, and enriching experiences.

As you plan your journey, remember that flexibility is your greatest asset. Each city has distinct advantages—Jaipur’s cultural richness, Kochi’s laid-back coastal vibe, Pune’s established digital ecosystem. Choose locations aligned with your work style, climate preferences, and personal interests.

Ready to make your move? Join our digital nomad community where you’ll find city-specific channels, accommodation leads, and connectivity with fellow remote professionals already navigating these cities.

Most importantly, approach your Indian adventure with an open mind. The greatest rewards come from embracing local rhythms, building genuine connections, and adapting your expectations. Your rupees will stretch surprisingly far, but the experiences and perspectives you’ll gain are truly priceless.

Planning your Indian remote work adventure? Download our comprehensive India budget spreadsheet with city-specific cost calculators, expense tracking templates, and financial planning tools designed specifically for digital nomads.

Subscribe to our Newsletter for weekly insights on remote work opportunities, budget travel hacks, and location-flexible income strategies tailored to the Indian subcontinent.