Cost of Living in Mumbai: Rent, Utilities, Transport & More in 2025

Planning to move to Mumbai? The city of dreams indeed offers endless opportunities, but all this comes at a price. From vibrant nightlife to high living standards, every aspect of Mumbai reflects a certain lifestyle choice. Be it a young professional, a newlywed couple, or a family looking to settle down, understanding your monthly expenditure is important for smart budgeting. Let us explore realistic costs across rent, utilities, groceries, and transport to help one plan better to meet the cost of living in Mumbai. Let us understand what it would take to enjoy a comfortable and confident life in Mumbai in 2025.

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Mumbai Living Costs & Real Estate Highlights - Quick Info

Mumbai offers a dynamic mix of affordability and luxury in housing. The suburbs offer budget-friendly options, whereas prime areas command premium prices due to connectivity, infrastructure, and lifestyle amenities. Here is a quick overview of the city:

Category	Details
Affordable Places	Thane, Mira Road, Kalyan, Panvel
Posh Areas	Bandra, Worli, Powai, Juhu
1 BHK Rent (City/Suburbs) [28]	₹35,000–₹60,000 / ₹15,000–₹30,000
2 BHK Rent [29]	₹60,000–₹1.2L / ₹25,000–₹45,000
Apartment Cost (per sq. ft)	₹15,000–₹60,000 depending on locality
Utility and Internet	₹4,000–₹6,000 monthly
Grocery (per person)	₹4,000–₹7,000 monthly
Monthly Transport (pass/fuel)	₹2,000–₹6,000
Real Estate Market Trend	Consistent price rise due to infrastructure expansion
Average Property Rate	₹25,000–₹35,000 per sq. ft (city average)
Development Charges Impact	10–15% increase in new project pricing

Mumbai Living Cost per Month in 2025

Description	Single Person	Couple	Family
Accommodation	₹10,000 – ₹20,000 (shared/private)	₹25,000 – ₹70,000 (1–2 BHK)	₹40,000 – ₹1,00,000+ (2 BHK or more)
Groceries	₹3,000 – ₹8,000	₹10,000 – ₹18,000	₹10,000 – ₹25,000
Transport	~₹1,000 – ₹2,000	~₹4,000 – ₹6,000	~₹1,500 – ₹3,000+
Utilities	~₹2,000 – ₹3,000	~₹2,200 – ₹3,000	~₹2,200 – ₹3,000
Entertainment & Shopping	₹4,000 – ₹7,000 (depending on lifestyle)	₹5,000 – ₹20,000 (depending on lifestyle)	₹2,000 – ₹5,000 + (Additional expenses)
Kids Schooling	Not applicable	Not applicable	₹3,000 – ₹12,000+ monthly (varies widely)

1. Accommodation Costs in Mumbai

Rental Accommodation will cost the most. The most significant part of your budget goes toward rent. Land costs are high, as are the rental costs. The rent shift is indicated in your preferred zone. Mumbai offers various choices, with the average rent ranging from as low as ₹5000-₹12000 per month in zones like Navi Mumbai and Thane, to as high as ₹30,000-₹50,000 in areas like South Mumbai and Juhu.

Read The Stockholm Concert Hall Living Expenses in Mumbai for students: For students and bachelor’s, Mumbai offers different choices of PGs and shared facilities as well. Rents for PGS and sharing pads can cost around ₹5000-₹8000 in regions like Thane, Navi Mumbai, and so forth, and for couples or families moving to Mumbai, a respectable 1 Bhk in such zones can cost you somewhere near ₹8000-₹Rs 15,000. Check out Flats for Rent In Mumbai.

2. Affordable Places to Live in Mumbai (Rent Rates)

If you're looking for affordable places to live in Mumbai, several areas offer decent housing at lower rent rates. Localities like Mira Road, Virar, Kalyan, Dombivli, and Panvel are popular among working professionals and families for their budget-friendly options. Rent for a 1 BHK flat in these areas usually ranges from ₹8,000 to ₹15,000 per month. These places are well-connected to the main city areas through local trains and buses, making daily travel manageable. Though commute times might be longer, these locations offer good value for money with basic amenities, markets, and schools nearby.

Locality	1 BHK	2 BHK	3 BHK
Thane [1]	₹15,000 – ₹25,000	₹22,000 – ₹40,000	₹40,000 – ₹65,000+
Goregaon [2]	₹20,000 – ₹35,000	₹35,000 – ₹70,000	₹70,000 – ₹1,05,000+
Navi Mumbai [3]	₹14,000 – ₹30,000	₹20,000 – ₹40,000	₹30,000 – ₹60,000
Kurla [4]	₹26,000 – ₹55,000	₹45,000 – ₹75,000	₹80,000 – ₹1,25,000+
Sion [5]	₹30,000 – ₹50,000	₹50,000 – ₹85,000	₹90,000 – ₹1,40,000+
Saki Naka [6]	₹22,000 – ₹35,000	₹40,000 – ₹65,000	₹80,000 – ₹1,10,000+
Mulund [7]	₹22,000 – ₹34,000	₹28,000 – ₹43,000	₹48,000 – ₹95,000+
Chembur [8]	₹30,000 – ₹45,000	₹45,000 – ₹70,000	₹70,000 – ₹1,10,000+
Dahisar [9]	₹12,000 – ₹30,000	₹20,000 – ₹50,000	₹35,000 – ₹70,000+

3. Posh Areas to Live in Mumbai for Family & Jobseekers

If you're searching for posh areas to live in Mumbai that are ideal for both families and job seekers, the city offers several upscale localities with great amenities and connectivity. Areas like Bandra, Powai, Andheri West, Juhu, Worli, and Colaba are popular choices. These neighborhoods are known for their premium residential complexes, safety, schools, hospitals, and access to corporate hubs or commercial zones.

• Bandra blends luxury with lifestyle, which is ideal for professionals and families alike.
• Powai offers a peaceful, modern vibe with top schools and tech parks nearby.
• Andheri West is great for job seekers due to its proximity to media and IT hubs.
• Juhu and Worli provide beachside living with a calm yet connected atmosphere.
• Colaba offers heritage charm with easy access to South Mumbai offices.

While rents in these areas are higher, typically ranging from ₹30,000 to ₹1.5 lakh/month for a 2bhk, they offer a comfortable and well-connected lifestyle suitable for growing families and professionals.

Locality	1 BHK	2 BHK	3 BHK
South Mumbai [10]	₹38,000 – ₹70,000	₹70,000 – ₹1,50,000	₹1,20,000 – ₹3,00,000+
Andheri West [11]	₹25,000 – ₹50,000	₹57,000 – ₹1,00,000	₹1,00,000 – ₹1,80,000+
Bandra West [12]	₹45,000 – ₹70,000	₹75,000 – ₹1,50,000	₹1,80,000 – ₹3,00,000+
Jogeshwari (W) [13]	₹20,000 – ₹35,000	₹35,000 – ₹60,000	₹60,000 – ₹90,000
Worli [14]	₹40,000 – ₹80,000	₹65,000 – ₹1,30,000	₹1,20,000 – ₹2,50,000+
Juhu [15]	₹45,000 – ₹70,000	₹65,000 – ₹1,20,000	₹90,000 – ₹1,80,000+
Dadar [16]	₹25,000 – ₹45,000	₹45,000 – ₹80,000	₹70,000 – ₹1,20,000+

4. Affordable Paying Guest (PG) in Mumbai for Bachelors & Students

Finding an affordable Paying Guest (PG) in Mumbai is easier if you explore student- and bachelor-friendly areas. Localities like Andheri East, Ghatkopar, Vikhroli, Malad, Kandivali, Thane, and Navi Mumbai offer budget PG accommodations with decent facilities.

Monthly rent for a shared PG room usually ranges from ₹5,000 to ₹12,000, depending on the location, amenities, and whether meals are included. Some PGs offer free Wi-Fi, laundry, housekeeping, and even AC rooms at slightly higher costs. These areas are well-connected by local trains, metro, and buses, making them ideal for students and working bachelors who commute to colleges or offices.

For those on a tight budget, Dahisar, Bhandup, or Kalyan are even more pocket-friendly, with options starting around ₹4,000. Ensure security, hygiene, and accessibility before finalising your PG stay.

Localities	Rent	Paying Guest
Ghatkopar	₹12,000	Zolo Solstice [17]
Chembur	₹15,000	Zolo Central [18]
Kurla	₹12,000	Zolo Exotica [19]
Sion	₹11,000	Zolo Heritage [20]
Chembur	₹13,500	Zolo Grace[21]

5. Cost of Transport in Mumbai

Mumbai offers multiple options for local transport. It has the best train network nearby, which saves you from traffic and is in your pocket. Mumbai has the largest coordinated transport network among major Indian cities. You have rickshaws, taxi services, and bicycle rentals. 88% of people in Mumbai use public vehicles. Mumbai is also building a sweeping metro train system, which will further help bridge connectivity. 

Normal fares for BEST non-a/c buses are a minimum of ₹.8 for 2 km. Autos charge around ₹21 for a distance of 1.6 km. Local train fares depend on the number of stations and will be ₹10 to ₹45, depending on whether you choose Second or First class.

Mode of Transport	Average Monthly Cost (₹)	Key Details
Best Buses	₹1,000 – ₹1,500	Most affordable public transport option.
Local Trains	₹200 – ₹500	The fastest and cheapest way to commute long distances.
Metro Trains	₹1,200 – ₹2,000	Reliable and air-conditioned daily commute option.
Shared Auto	₹1,500 – ₹2,500	Convenient and economical for short routes.
Shared Taxi	₹2,000 – ₹4,000	Comfortable shared rides on fixed routes.
Taxis (Kaali Peeli/App)	₹4,000 – ₹7,000	Widely available with moderate fares.
Uber	₹6,000 – ₹10,000	App-based rides with variable surge pricing.
Ola	₹6,000 – ₹10,000	Flexible ride option similar to Uber.
Self-Drive (Zoomcar, etc.)	₹15,000 – ₹25,000	Rental vehicles with fuel charges extra.
Monthly Car/Bike Rental	₹10,000 – ₹20,000	Subscription-based service with maintenance included.

6. Cost of Food in Mumbai

The most affordable way to save money on food costs is to cook for yourself or hire a cook. Recruiting a cook/housekeeper in Mumbai can cost you ₹1000 for low maintenance to ₹15000 for an entire day of work. If you're too apathetic to even think about setting up a kitchen, Mumbai has numerous choices for Dabbas or Tiffins. The normal monthly costs for Tiffin administrations are around Rs. ₹1500-₹3000.

This likewise ends up being a conservative choice. For the more exploratory sorts, Mumbai has a huge variety of restaurants and hotels that serve all kinds of dishes you desire. Then, if you want food to be delivered to you, well, there are ways for your food to be dropped onto your doorstep through food delivery applications like Zomato, Swiggy, and so forth.

7. Groceries/ Household Needs

All your daily needs —like milk, bread, rice, poultry items, fruits, etc. are readily available at MRP prices in nearby stores and supermarkets. Many online grocery delivery apps like Grofers and BigBasket also deliver these items to your doorstep. The average monthly grocery expenditure is about ₹6000.

8. Cost of Utilities in Mumbai

Costs like Electricity, Gas, Internet, Phone, TV, Cable, DTH, and so forth would take up a significant sum from your spending plan. The utility costs will shift depending on your area and the type of convenience. Generally, depending on your usage, it'll range from somewhere near ₹2000 to ₹6000 or more.

9. Cost of Shopping in Mumbai

If you’re a shopaholic, you’re lucky to be in Mumbai. Mumbai offers you the latest trends and fashion. Being the home of Bollywood, Mumbaikers take their fashion sense very seriously. You can find trendy clothes, shoes, etc. at street-side shops, and you can also find all the big brands and showrooms all over Mumbai. Places like Linking Road, Colaba, Lokhandwala Market, and Hill Road offer you all the latest trends in fashion at very decent prices.

You’ll find shoes, clothes, accessories, electronics, bags, etc., everywhere. If you’re looking for high-end shopping malls and branded showrooms, Mumbai has plenty of that too. The range for a T-shirt can be from ₹200 at Linking Road to ₹2500-₹3000 at branded showrooms.

10. Entertainment Costs in Mumbai

“All work and no play make Jack a dull boy”. Everyone needs time to unwind and relax after a hard day of work or studies. Mumbai offers you different choices for the equivalent. Mumbai has everything from walking around Marine Drive with a hot Bhutta or bar hopping to the town's numerous hip bars and clubs. A typical evening strolling and eating around Marine Drive or Chow Patty can cost you around ₹500.

Then again, a night spent at one of the posh clubs can set you back by ₹5000-₹10,000. Mumbai has a ton of choices for amusement like movies, shopping centres, cafés, clubs, theatres, live groups, and so forth. As it's been said, Mumbai is a city that never rests, and the fun will never stop!

11. Kids’ Schooling Cost in Mumbai

Mumbai has many reputed first-class schools for families moving there. The normal expenses of an international school in Mumbai come to around ₹3.5 Lacs, while the normal charges of a CBSE school are around 50k to 1 Lakh. The charges for play school can go from ₹500 every month in a typical playschool to ₹16000 every month in international or chain playschools.

With numerous people coming in and living in the city, it is becoming a hub of its own and has gained a reputation as one of the most popular cities in India. Mumbai was always bound to be an expensive city to live in. The cost of living in Mumbai is comparatively higher than in any other metropolitan city in India. So, if you plan to get your place here in the city of dreams, do not worry; NoBroker shall have you covered. You can find homes on rent for any budget and SAVE on brokerage.

12. Living Cost in Mumbai for a Single Person

Like any other great city in the world, Mumbai offers multiple options for bachelors. Given its well-connected nature and multiple modes of transportation, bachelors who want to save money can live in more affordable areas of Mumbai that are well connected to their workplaces. The cost of living in Mumbai for a single person ranges from ₹30,000 to ₹70,000 per month. 

13. Cost of Living in Mumbai for a Family of 3 

A family can rent a 2 BHK in Mumbai for around ₹40,000. But if you are comfortable living in Thane or Navi Mumbai suburbs, you can find more affordable places. However, this comes at the cost of transportation expenses and time. Being a cosmopolitan city and the business centre of India, Mumbai has the best schools across CBSE, ICSE, International, and Maharashtra State Syllabi. This reflects the living costs in Mumbai for a family.

14. Cost of Living in Mumbai for a Couple

Couples looking to move to Mumbai can rent a 1 BHK, whose rent starts at ₹30,000 and can go as high as ₹60,000, depending on the location, size, and amenities provided by the housing society. Meanwhile, buying a 1 BHK can cost anywhere from ₹80 Lakhs to ₹1.5 crores.

Housing societies collect and pay the electricity and water bills, while Wi-Fi is paid for individually. All these costs will add up to a maximum of ₹15,000. As for transportation, if you opt to travel by public transport, your expenses may be as low as 1000, while owning a vehicle can take it to around ₹6000.

15. Cost of Living in Mumbai for Students

Living in Mumbai as a student in 2025 requires careful budgeting, especially regarding accommodation. Rental costs vary by housing type and location. For instance, shared apartments in areas like Thane and Navi Mumbai can cost between ₹7,000- ₹15,000 per month, while single-room PG accommodations in central Mumbai may range from ₹14,000 - ₹46,000 monthly. 

Students should count the average monthly expenses in addition to rent. Food costs can range from ₹1,500 - ₹3,000, transportation expenses are typically between ₹1,000 - ₹1,500, and utilities may add another ₹2,000 - ₹3,000 to the monthly budget. Miscellaneous expenses, including entertainment and personal items, can further increase monthly outlays. 

16. Healthcare Costs in Mumbai

In Mumbai, healthcare expenses are on the rise, influenced by factors such as medical inflation, quality of facilities, and insurance coverage. A citizen survey by the NGO Praja Foundation estimated the annual healthcare cost to be approximately ₹48,430 per person. Additionally, the ACKO India Health Insurance Index 2024 reported a 14% annual increase in healthcare costs, with 62% of expenses paid out of pocket. This trend underscores the growing financial burden on individuals and families, highlighting the importance of adequate health insurance coverage to mitigate unexpected medical expenses.​

17. Cost of Living in Mumbai for a Family of 4

The cost of living in Mumbai for a family of four, on average, ranges between ₹1.5 lakh and ₹3 lakh per month, given the lifestyle and location one chooses. Rent for 2–3 BHK goes up to ₹50,000–₹1 lakh, while groceries, utilities, and transport together set one back by ₹50,000–₹80,000. School fees, healthcare, and entertainment could raise this figure even higher. Families' expenses per month in suburban areas would manage with less, but comfort in central Mumbai often requires very high spending.

Where do students stay in Mumbai?

Finding a well-connected, affordable locality can be challenging for students coming to Mumbai. A smart move would be to stay nearer to local train stations in Navi Mumbai and commute to locations in Mumbai. Local trains in Mumbai cost as low as Rs 3 per km. 

The average salary in Mumbai, as per the industry

Here’s a quick look at Mumbai’s average annual salaries across key industries, helping professionals determine their earning potential in 2025:

Industry	Average Salary per Annum (₹)
Finance	₹8.0 – ₹8.5 lakhs
Energy & Mining	₹20 – ₹28 lakhs
Recreation & Travel	₹8 – ₹18 lakhs
Entertainment	₹6.3 – ₹8.1 lakhs
Transportation & Logistics	₹12 – ₹16 lakhs
IT / Technology	₹5 – ₹10 lakhs

Development Trends & Real Estate Market Shift – Mumbai 2025

• H1 2025 Property Registrations [22]: reached 75,672, up 4% YoY, generating revenue of ₹6,699 crore (+14%).
• Navratri 2025 Registrations [23]: Increased 20% YoY, with revenue growth of 17%.
• Jan–Sep 2025 Overview [24]: ~1.11 lakh registrations, up 5.5% YoY, revenue up 13.7%.
• Property Price Trends [25]: Average residential prices rose 7% YoY in Q3 2025; top markets saw 7–19% growth.
• August 2025 Dip [26]: Registrations declined 3%, and stamp duty revenue dropped by  6%.
• Market Focus [27]: Suburban and transit-connected micro-markets continue to drive investment growth.

Find your Dream Home in Mumbai with NoBroker 

The cost of living in Mumbai comes with its share of financial challenges, from rising healthcare costs to steep rental prices across the city. With healthcare inflation averaging 14% annually and rents varying drastically by location, individuals and families must manage their monthly expenses wisely. Whether you're searching for budget-friendly rental options, looking to move closer to medical hubs, or want to avoid hefty brokerage fees, NoBroker simplifies the home-hunting process with verified listings, zero brokerage, and smart tools to match your lifestyle and budget. Download the NoBroker app now!

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