Cost of Living in Surat for Families

Surat, fondly known as the "Diamond City" of India, is a bustling metropolis celebrated for its flourishing diamond and textile industries. Situated in the state of Gujarat, Surat boasts a rich cultural heritage, vibrant markets, and an exciting food scene that attracts locals and visitors alike.

The city seamlessly blends traditional charm with modern amenities, offering a growing infrastructure and a plethora of business opportunities. Its unique mix of affordability and convenience has made Surat a popular choice for families seeking a balanced lifestyle.

However, before making the move, it's crucial to consider the cost of living, which can vary based on factors such as accommodation preferences, lifestyle choices, and individual needs.

What Is the Cost of Living in Surat?

The cost of living in Surat is moderate compared to other major cities in India, offering an attractive balance between affordability and modern amenities. However, expenses can vary widely depending on lifestyle, choice of accommodation, and location. For instance, living in central areas is generally 30-40% more expensive than residing in the outskirts.

Estimated monthly expenses in Surat typically range as follows:

• Single person: Rs. 20,500 to Rs. 30,500
• Couple: Rs. 35,500 to Rs. 45,400
• Family of four: Rs. 50,500 to Rs. 70,500

The above-mentioned figures encompass essential costs, including housing, transportation, food, and utilities, giving a comprehensive view of typical living expenses in the city.

Cost of Living in Surat for Families 

Area of Expense	Price Range (INR)
Accommodation	Rs. 15,500 – Rs. 35,500
Groceries & Food	Rs. 8,500 – Rs. 15,500
Transport	Rs. 3,500 – Rs. 8,500
Utilities	Rs. 3,500 – Rs. 6,500
Entertainment & Shopping	Rs. 3,500 – Rs. 8,500
Education & Daycare	Rs. 12,550 – Rs. 15,600
Housemaid	Rs. 9,500 – Rs. 12,500
WiFi	Rs. 550 – Rs. 850

Factors Affecting Cost of Living in Surat

Accommodation Cost in Surat

Accommodation costs in Surat vary widely based on location and housing type, making it possible to find options to suit different budgets. Rental rates in Surat are generally lower than in many other major Indian cities. Here’s a breakdown:

• 1 BHK apartments: Rs. 9,550 to Rs. 12,500
• 2 BHK apartments: Rs. 14,500 to Rs. 30,500
• 3 BHK apartments: Rs. 15,500 to Rs. 40,500
• Paying guest accommodations: Rs. 8,500 to Rs. 12,550

For affordable living, areas like Kamrej, Katargam, and Sachin are popular choices. Upscale neighbourhoods such as Vesu and Adajan come with higher rental prices, catering to those seeking a more luxurious lifestyle. For paying guest options, Pal Gam and Ghod Dod Road are ideal, offering convenience and accessibility.

Cost of Transportation

Surat boasts a well-organized public transportation system with manageable traffic, making commuting both convenient and affordable. Public transport costs are notably lower compared to many other large Indian cities.

Key transportation costs include:

• Public transport: A one-way ticket costs around Rs. 25, while monthly passes are priced between Rs. 450 and Rs. 550.
• Fuel prices: Diesel costs Rs. 90.20 per litre, and petrol is Rs. 94.51 per litre.
• Private transportation: Rental bikes and scooters are available for Rs. 30 to Rs. 40 per hour, while cabs charge Rs. 10 to Rs. 20 per kilometre.

Surat’s diverse and economical commuting options cater to a wide range of travel needs, ensuring accessibility across the city.

Cost of Food

Surat boasts a well-organized public transportation system with manageable traffic, making commuting both convenient and affordable. Public transport costs are notably lower compared to many other large Indian cities.

Key transportation costs include:

• Public transport: A one-way ticket costs around Rs. 25, while monthly passes are priced between Rs. 450 and Rs. 550.
• Fuel prices: Diesel costs Rs. 90.20 per litre, and petrol is Rs. 94.51 per litre.
• Private transportation: Rental bikes and scooters are available for Rs. 30 to Rs. 40 per hour, while cabs charge Rs. 10 to Rs. 20 per kilometre.

Surat’s diverse and economical commuting options cater to a wide range of travel needs, ensuring accessibility across the city.

Cost of Groceries

Surat provides convenient access to local stores, grocers, and supermarkets, making grocery shopping both easy and affordable for residents. The availability of fresh produce at reasonable prices helps families effectively manage their food budgets.

Below mentioned is an overview of common grocery costs in Surat:

• Dairy and bakery:
  • Milk: Rs. 60 per litre
  • Fresh bread: Rs. 50 per 500g
• Staples:
  • Rice: Rs. 65 per kg
  • Eggs: Rs. 80 per dozen
• Fresh produce:
  • Tomatoes: Rs. 45 per kg
  • Potatoes: Rs. 40 per kg
  • Apples: Rs. 125 per kg

With competitive pricing and a variety of options, Surat’s grocery scene supports an economical and nutritious lifestyle for its residents.

Cost of Shopping

Surat offers a vibrant shopping experience, blending modern malls with traditional markets to cater to a variety of tastes and budgets. Whether you're looking for branded apparel or local goods, the city has something for everyone.

Surat’s affordability and diverse retail options make it a shopping haven for both premium and budget-conscious buyers. Whether strolling through bustling markets or exploring high-end stores, shoppers are sure to find value and variety.

Utility Cost

Utility costs for a typical apartment in Surat are relatively affordable and usually account for 10-15% of a single person's average monthly expenses. A breakdown of basic utility costs includes:

• Electricity: Rs. 1,500 to Rs. 2,000 per month
• Water: Rs. 350 to Rs. 550 per month
• Garbage disposal: Rs. 150 to Rs. 250 per month
• Heating or cooling: Rs. 650 to Rs. 1,500 per month, depending on usage

Overall, combined utility expenses, including electricity, water, cooling, and garbage disposal, range from Rs. 2,500 to Rs. 4,000 monthly. These costs are manageable, contributing to Surat's reputation as a cost-effective city for residents.

Entertainment Cost

Entertainment in Surat is budget-friendly, with diverse options for fitness, dining, and leisure activities. An overview of typical costs include:

• Fitness and sports:
  • One-month gym membership: Rs. 650 to Rs. 5,500
  • Tennis court rental (per hour): Rs. 550 to Rs. 950
• Dining and beverages:
  • Cappuccino: Rs. 45 to Rs. 300
  • Affordable restaurant meal: Rs. 170
  • Three-course meal at a mid-range restaurant: Rs. 550 to Rs. 1,050
  • McMeal at McDonald’s: Rs. 300 to Rs. 450

Surat’s affordable entertainment options make it easy to enjoy a well-rounded lifestyle without straining your budget. Whether it’s dining out, staying active, or indulging in a relaxing coffee, the city offers something for everyone.

Medication Costs

Healthcare in Surat is reasonably priced, offering quality services at lower costs compared to Tier 1 cities. F breakdown of typical healthcare expenses:

• Doctor consultations:
  • General practitioner visit: Rs. 350 to Rs. 550
  • Specialist consultation: Rs. 550 to Rs. 1,050
• Medications:
  • Generic prescriptions: Rs. 60 to Rs. 250
  • Branded medications: Rs. 150 to Rs. 550
• Health insurance premiums:
  • Basic coverage: Rs. 5,500 to Rs. 8,500 per year
  • Comprehensive plans: Rs. 10,500 to Rs. 15,500 per year

Surat's affordable healthcare system, coupled with a range of insurance options, ensures accessible and cost-effective medical services for its residents.

Childcare and Schooling Cost

Childcare and schooling costs in Surat can vary widely based on the type of institution and the level of education. Here’s a breakdown of typical fees:

• Preschool or kindergarten: Rs. 2,000 to Rs. 5,500 per month
• Primary school education: Rs. 50,500 to Rs. 2,00,000 annually per child (International institutions)

These costs can have a significant impact on a family’s overall spending, depending on the educational choices they make for their children.

Tips on Reducing the Cost of Living in Surat

• Opt for off-central accommodations: Choose to house a little further from the city centre or consider sharing a flat with others. This can significantly lower rental costs compared to staying in prime locations.
• Leverage public transport: Surat’s improving bus services and the upcoming metro system provide an opportunity to reduce transportation costs. Using public transport instead of private vehicles can be both affordable and convenient.
• Shop at local markets: Purchase groceries and household items from local bazaars or Kirana stores, which are usually cheaper than supermarkets. This helps keep grocery costs down.
• Cook meals at home: Preparing meals at home rather than eating out or ordering in can save a substantial amount on food expenses for families.
• Explore free or low-cost entertainment: Surat offers a variety of parks, beaches, and cultural events that are either free or low-cost, providing plenty of options for affordable family outings.
• Split utility expenses: Students and bachelors can share the cost of utilities like Wi-Fi, Netflix, and electricity by splitting these expenses with roommates or flatmates, making it easier to manage monthly costs.

Conclusion

Top Builders in Surat offers a balanced and affordable lifestyle, with reasonable costs for accommodation, transportation, food, and entertainment. By making smart choices such as opting for off-central housing, utilising public transport, cooking at home, and exploring budget-friendly entertainment options residents can enjoy a high quality of life while keeping expenses in check. So, Surat remains an attractive choice for families, students, and professionals alike.