Grey vs. local banks: Best currency exchange rates for freelancers in Pakistan

Casablanca might not have Marrakech’s desert charm or Chefchaouen’s blue alleys, but it’s Morocco’s beating economic heart. It’s a modern, fast-paced coastal city where global companies meet French cafés, street markets, and the Atlantic breeze.

Living here feels a bit like balancing two worlds: the polished side of Morocco, with its shopping malls, business districts, and seafront restaurants, and the local rhythm of markets, bakeries, and friendly neighbourhood cafés.

So, how much does it actually cost to live comfortably in Casablanca? Here’s a breakdown of rent, utilities, food, transport, and more, with a closer look at what different neighbourhoods offer.

Rent in Casablanca

Casablanca has one of the most expensive housing markets in Morocco, but you’ll find a wide range of options, from modern apartments near the Corniche to older but charming flats downtown. Prices vary based on location, building age, and whether utilities are included.

Below are some of the most popular areas for expats and professionals, from luxury seaside spots to more budget-friendly residential zones.

Ain Diab

Ain Diab is Casablanca’s seaside escape, home to beach clubs, ocean-view apartments, and a lively restaurant scene. It’s perfect if you want a more Westernised, coastal lifestyle (and don’t mind paying for it).

Maarif / Gauthier

Maarif and neighbouring Gauthier are central, trendy, and popular among young professionals. You’ll find cafés, coworking spaces, and international restaurants everywhere. Apartments are usually modern and well-located, though parking can be tricky.

Casablanca Finance City (CFC)

CFC is one of the city’s newest and most upscale neighbourhoods, designed as both a business and lifestyle hub. It’s become a hotspot for expats, executives, and returning Moroccans thanks to its sleek apartment buildings, green spaces, and proximity to major companies. Think of it as Casablanca’s modern “Cartier”, being elegant, secure, and well-connected.

Racine / Bourgogne

Close to both the city centre and the sea, Racine and Bourgogne are elegant and convenient. Racine is more upscale, with boutiques and French-style cafés, while Bourgogne is more relaxed but still well-connected.

Anfa / Californie

These are Casablanca’s high-end residential neighbourhoods. They’re quiet, green, and ideal for families or anyone looking for space and privacy. Expect modern villas and gated communities rather than apartments.

Centre-ville (City centre)

Casablanca’s downtown is bustling, walkable, and full of older art deco buildings. Apartments here are more affordable, but often smaller or less modern. Great if you enjoy city energy and proximity to the tram.

Sidi Maarouf

Further from the city centre, these residential areas are quieter and more affordable. Many families and professionals who work in business parks or tech zones live here.

Why prices vary:

Casablanca’s rent depends on your location, building type, and whether the apartment is furnished. Sea views, new constructions, and areas near tram lines or international schools tend to cost significantly more.

Transport in Casablanca

Casablanca is Morocco’s busiest city, so getting around is part of everyday life. Between the tram lines, taxis, and ride-hailing apps, moving through the city is relatively easy, though traffic during rush hour can test anyone’s patience.

Expats and locals usually mix different transport modes depending on distance, time of day, and comfort.

Taxis (Petit & Grand)

Like in other Moroccan cities, Casablanca has two main types of taxis. Petit Taxis (usually red) handle trips within city limits, while Grand Taxis are larger vehicles that serve longer routes or nearby towns like Mohammedia or Rabat.

• Cost: Petit Taxi starts at around 8.5 MAD (~$0.70) during the day, with typical short rides costing 15–35 MAD ($1.50–$3.50). Grand Taxis usually start around 40 MAD ($4) for longer distances and can go up to 150 MAD ($15) for intercity trips.
• Tip: Always ask the petit taxi driver to turn on the meter (compteur). If they refuse, agree on a price before the ride starts, especially at night or in tourist areas. White taxis have their own pricing depending on the destination.

Ride-hailing apps (Heetch, Yango)

Casablanca is one of the best cities in Morocco for ride-hailing apps. Services like Heetch and Yango are popular among expats who prefer cashless payments and predictable fares.

• Cost: 20–50 MAD ($2–$5) for short rides; slightly higher during peak hours.
• Tip: App drivers usually know English or French, and prices are displayed upfront, so no haggling needed.

Tramway

Casablanca’s modern tram network is one of the most efficient public transport systems in Africa. It connects key neighbourhoods like Sidi Maarouf, Ain Diab, and the city centre, with two main lines covering over 40 km.

• Cost: 8 MAD (~$0.60) per ticket or 230 MAD ($23) for a monthly pass.
• Tip: Trams are reliable and clean, but can get crowded during rush hours (especially between 7–9am and 5–7pm).

Buses

Public buses cover the entire city, offering the cheapest rides. They’re modernising quickly, with newer fleets and air conditioning, but routes can still be slow and inconsistent in timing.

• Cost: Around 5 MAD (~$0.50) per ride.
• Tip: Better for regular commutes than quick trips. Use Google Maps or the ALSA app to check schedules.

Driving and car rentals

Driving in Casablanca gives you flexibility, but you’ll need patience for traffic and parking. Roads are well-maintained, but driving habits can feel chaotic for newcomers.

• Cost: Car rentals range from 300–500 MAD/day ($30–$50) for a small car. Fuel costs around 14–15 MAD/L ($1.40–$1.50).
• Tip: Many expats prefer apartments with parking, as street parking can be limited and guarded spots are often paid separately.

Motorbikes and scooters

Scooters are becoming more common, especially among younger locals and delivery drivers. Expats sometimes rent one for short commutes.

• Cost: Around 120–180 MAD/day ($12–$18).
• Tip: Always wear a helmet — traffic rules can be loosely followed, especially downtown.

Walking and cycling

Casablanca isn’t as walkable as smaller Moroccan cities, but areas like Maarif, Racine, and Gauthier have wide pavements and safe crossings. The Corniche (Ain Diab) is perfect for walking or cycling by the sea.

• Cost: Free; bike rentals from 50–80 MAD/day ($5–$8).
• Tip: Early mornings and evenings are best for walking, especially during summer when temperatures soar.

Quick cost overview:

Food prices in Casablanca

In Casablanca, you’ll find everything from traditional Moroccan eateries tucked between office buildings to sushi bars, French brasseries, and seaside restaurants along the Corniche. For expats, the city offers both affordable local flavours and an expanding international food scene.

Restaurants

Dining out in Casablanca can be a daily indulgence or a weekend treat, depending on your budget. The city’s restaurant scene mirrors its cosmopolitan vibe, with casual snack bars and cafés dominating central neighbourhoods, while fancy lounges and fine-dining spots cluster around Ain Diab, Gauthier, and Racine.

• Street food / local cafés: Expect to spend 25–60 MAD ($2.50–$6) for Moroccan staples like tagine, pastilla, or grilled sardines. A fresh juice or mint tea adds about 5–10 MAD ($0.50–$1).
• Mid-range restaurants: In areas like Gauthier, Maarif, or Anfa, a meal with drinks typically costs 100–180 MAD ($10–$18) per person. You’ll find Italian, Lebanese, and Asian restaurants alongside Moroccan favourites.
• Fine dining / Corniche restaurants: A dinner for two with starters and mains at a high-end restaurant can cost anywhere between 500–900 MAD ($50–$90), excluding wine.

Casablanca also has a buzzing café culture. From stylish French-style cafés on Boulevard d’Anfa to beachside spots in Ain Diab, a coffee and pastry combo costs around 25–50 MAD ($2.50–$5).

Supermarkets and markets

As Morocco’s largest city, Casablanca has the widest variety of supermarkets, from global chains to traditional souks. Prices vary depending on whether you shop local or imported.

People living in Gauthier, Racine, and Anfa tend to split shopping between Carrefour (for international goods) and neighbourhood markets for produce. Those in less central areas like Hay Hassani or Sidi Maarouf often rely more on Aswak Assalam or local shops.

Utilities costs in Casablanca

Casablanca, as Morocco’s economic capital, has a slightly higher cost of living than other cities, and utilities are no exception. Still, the prices are reasonable compared to major global cities, and expats find them manageable once they settle in.

Electricity

Electricity use varies depending on the season. Coastal breezes keep Casablanca cooler than inland cities like Marrakech, so you’ll spend less on air conditioning, though heating might be needed during the damp winter months.

• Average monthly cost for a 1–2 bedroom apartment: $35–65
• Tips: Energy-efficient bulbs and unplugging appliances when not in use can help keep bills low. Electricity is billed monthly by ONEE, Morocco’s national provider.

Water

Water costs are moderate. Casablanca’s water supply is managed by Lydec, and most apartments have reliable access. Some landlords include water in the rent, especially for furnished flats.

• Average monthly cost: $12–25
• Tip: Always check whether your rental includes water and sewer fees, as billing can vary.

Gas

Most homes use bottled gas for cooking and hot water, just like in other Moroccan cities. Delivery is quick and easy to arrange through local vendors.

• Cost: Around $8–15 per month
• Tip: Keep an extra bonbon de gaz at home, especially during colder months or if you cook frequently.

Internet

Casablanca has Morocco’s best internet infrastructure, with fast fibre-optic connections widely available in neighbourhoods like Maarif, Racine, and Gauthier.

• Average monthly cost: $25–50 for fibre (~200–500 Mbps)
• Tip: Maroc Telecom, Inwi, and Orange are the main providers. Installation is usually quick, especially in newer buildings.

Mobile/cell phone

Mobile data plans are affordable and efficient, ideal for both short-term and long-term stays.

• Average monthly cost: $10–20 for 10–20 GB data
• Tip: Prepaid SIMs are widely available at airports, malls, and convenience stores. Coverage in Casablanca is excellent across all providers.

Healthcare in Casablanca

As Morocco’s largest and most cosmopolitan city, Casablanca offers some of the country’s best healthcare facilities. Expats will find both public and private options, with the private system being the preferred choice for quality care, shorter wait times, and multilingual staff.

Public healthcare

Public hospitals in Casablanca are suitable for basic care and emergencies but not ideal for specialised or ongoing treatments.

• Cost: Low or free for residents; small fees for consultations or prescriptions
• Pros: Inexpensive and widely available
• Cons: Long waits, limited English-speaking staff, and varying service quality

Private healthcare and insurance

Casablanca’s private healthcare sector is modern, reliable, and significantly more affordable than in Europe or North America. The city is home to several excellent hospitals and clinics, such as Clinique Littorale, Clinique Jerrada, and Clinique Yasmine, which cater to both locals and foreigners.

• Basic consultation (without insurance): $25–50
• Specialist visit: $50–90
• Hospital stay (per night, private room): $120–250

Private hospitals usually offer bilingual (French-English) services and well-equipped facilities. For peace of mind, most expats opt for private health insurance that covers both outpatient and inpatient care.

Many expats pay cash for smaller visits since local consultation fees are quite affordable. Pharmacies are abundant throughout Casablanca, especially in central districts like Maarif and Gauthier, and most medications are available without a prescription.

Average living costs in Casablanca

Casablanca is more expensive than most Moroccan cities, but still far cheaper than major Western capitals. Your living costs will depend largely on your neighbourhood and lifestyle choices.

You can live comfortably in Casablanca on around $1,800–2,000 per month, though costs rise significantly if you prefer a central neighbourhood or dine out often.

Earning abroad, living well in Casablanca

Casablanca blends Morocco’s coastal charm with a fast-paced urban rhythm — where business meets culture and the Atlantic breeze meets city lights.

With Grey, you can receive international payments in USD, GBP, or EUR, exchange when the rates are best, and withdraw MAD directly to a Moroccan bank account. Seamless, transparent, and made for people who live globally but spend locally.

Open your Grey account today and focus on growing your life in Casablanca and not worrying about cross-border transfers.

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I’ll admit it: Bali is my favourite digital nomad cliché. Laptop by the beach, smoothie bowls, sunset yoga, forests and temples, the zen vibe... It’s the kind of place people visit for a week and end up staying for a year.

But what does life in Bali actually cost? From Canggu’s trendy places to Ubud’s rice field villas, I’ll break down what it really takes to live comfortably in the city, including rent, food, transport, and all the extras that make island life so special.

Rent in Bali

I think finding a place to live in Bali seems like designing your own slice of paradise. Some people go for a private villa with a pool overlooking the jungle, others prefer a beachside apartment or a small kost tucked between rice fields. Prices differ a lot depending on the area, season, and how long you plan to stay.

Some rentals include Wi-Fi, utilities, and cleaning, while others charge those separately. Long-term leases (usually 6 to 12 months) also tend to be far more affordable than monthly or short-term bookings.

Below, you’ll find the most popular areas for expats and remote workers, from luxury coastal spots to quieter, budget-friendly towns.

Seminyak

Seminyak is Bali’s upscale playground, with stylish villas, rooftop bars, designer shops, and beach clubs that blend sunset views with DJ sets. It’s central, walkable in parts, and perfect if you want both comfort and buzz.

Most rentals are modern villas or serviced apartments with pools, security, and daily cleaning. You’ll pay a premium for convenience and style, but everything you need is within a short walk or scooter ride.

Canggu

Canggu has a younger, surfier vibe, with cafés, coworking spaces, yoga studios, and traffic jams full of scooters. It’s trendy and social, with a mix of modern villas, kosts, and converted rice-field homes.

If you love cafés, sunsets, and surfboards, you’ll fit right in. Just be prepared for occasional flooding, roadworks, and higher prices in hotspots like Berawa or Batu Bolong.

Ubud

Nestled inland among rice terraces and jungle, Ubud is Bali’s calm, creative part. It’s where yoga instructors, artists, and remote workers trade beach bars for quiet mornings and temple bells.

You’ll find plenty of affordable houses and villas surrounded by greenery. Internet can be patchy in rural spots, so always check the connection before signing a lease.

Sanur

Sanur offers a slower, family-friendly version of Bali life. The beach is calm and swimmable, the streets are wide, and it’s one of the few areas where you can cycle comfortably. It’s a favourite among retirees and people who want peaceful mornings instead of late-night beach clubs.

Most homes are single-storey villas with gardens, and you’ll find a strong local community of long-term expats here.

Jimbaran/Uluwatu/Nusa Dua

Down south, life slows down even more. Uluwatu and Jimbaran are known for cliffside villas, surf breaks, and ocean views that look straight out of a postcard. Nusa Dua is more polished, with resort-style living and gated communities.

These areas attract families and professionals who want space and privacy, away from Canggu’s chaos.

Kuta and Legian

Kuta and Legian are Bali’s budget-friendly beach zones, being loud, central, and full of cheap eats, bars, and tourists. It’s not the most peaceful spot on the island, but you can live close to the beach for a fraction of what you’d pay in Seminyak.

Expect older apartments, basic guesthouses, and small kosts. It’s ideal if you’re on a budget or just starting out.

Denpasar

Denpasar is the island’s practical, working city. It’s less glamorous, but close to everything and where many locals and long-term expats live because rent is lower, markets are cheaper, and you can get anywhere in 20–30 minutes by scooter.

If you don’t mind trading beaches for convenience, you’ll find solid apartments and houses at great prices.

Why ranges are wide: Bali has everything from simple guesthouse rooms to private villas with pools. Location, season, length of contract and included services (cleaning, gardener, electricity cap) change prices quickly.

Transport in Bali

Bali may look small on the map, but getting around can be quite the adventure. The island doesn’t have a metro or train system, so most people rely on motorbikes, taxis, and private drivers. Each option comes with its own perks (and quirks).

Motorbikes/scooters

By far the most popular way to get around, scooters give you full freedom to explore beaches, cafés, and temples at your own pace. Traffic can be hectic, but it’s part of the Bali experience.

• Cost: Rental ~IDR 70,000–150,000/day (~$4–10) or ~IDR 800,000–1,500,000/month (~$50–95).
• Tips: Always wear a helmet and have an international driving permit (IDP). Expect narrow roads and uneven pavements, especially in Ubud and Canggu.

Ride-hailing apps (Gojek/Grab)

Apps like Gojek and Grab are life-savers. You can order bikes, cars, or even food and parcel deliveries from your phone. They’re affordable, safe, and widely used by locals and expats alike.

• Cost: Short rides ~IDR 15,000–30,000 (~$1–2); longer trips (Seminyak ↔ Ubud) ~IDR 120,000–200,000 (~$8–13).
• Tip: Prices can surge during rain or rush hours. GojekBike is often faster in traffic than car rides.

Taxis

Bluebird taxis are the most reliable if you prefer traditional cabs. Always insist on using the meter or agree on a price beforehand to avoid overcharging.

• Cost: Meter starts at IDR 7,000 (~$0.50) plus ~IDR 6,500/km (~$0.40).
• Tip: Avoid unmarked taxis at tourist spots since they often charge inflated rates.

Private drivers/car rentals

If you’re travelling with friends or planning to explore beyond one area, hiring a driver for the day is a comfortable option. Daily rates usually include fuel and waiting time.

• Cost: IDR 600,000–900,000/day (~$38–58) for a private driver; self-drive rentals ~IDR 300,000–500,000/day (~$19–32).
• Tip: Google Maps isn’t always accurate on small village roads, so local guidance helps.

Bicycles

Cycling is an enjoyable way to explore smaller areas like Ubud or Sanur, though it’s not ideal for longer distances due to traffic and hills.

• Cost: IDR 30,000–50,000/day (~$2–3).

Here’s a quick breakdown to help you plan:

Most long-term residents use a scooter for daily errands and Gojek for nights out or rainy days. If you’re new, try hiring a driver for your first week until you get comfortable navigating Bali’s traffic and roads.

Food prices in Bali

Food in Bali is an experience. You can eat like a local at a warung, sip smoothies at a beach café, or enjoy sunset dinners overlooking rice fields. The island will deliver to every taste and price range.

Restaurants

If you’re keeping things simple, local warungs are unbeatable. Expect to pay $2–4 for a filling plate of nasi campur (mixed rice with veggies, meat, and tempeh) or mie goreng (fried noodles). These spots are everywhere and usually serve delicious home-style meals.

Mid-range restaurants and cafés, especially in Canggu, Ubud, and Seminyak, charge around $6–12 per meal, often with trendy settings and Western-style menus (smoothie bowls, salads, grilled fish, and pizzas).

For special occasions, fine dining options like in Uluwatu or Seminyak can go from $60–120 for two people, including appetisers, mains, and drinks. It’s a splurge, but you’re paying for an experience that often comes with ocean views, live music, and impeccable service.

Supermarkets & local markets

Grocery shopping in Bali is a mix of modern convenience and local charm. You’ll find large supermarkets for imported goods, and lively markets for fresh produce and spices. Here’s a comparison:

Tip: Do your weekly haul at Coco Mart or Pepito, get fresh fruits and veggies from traditional markets, and order occasional imports (like cheese or wine) from Bintang or Carrefour. Prices can vary depending on your neighbourhood. Seminyak and Canggu are more expensive than Ubud or Sanur.

Here’s a realistic monthly breakdown in USD:

For one person

• Groceries (mix of local markets + Pepito/Coco Mart): $200–350 per month
• Eating out (daily warung lunches + cafés a few times a week): $150–250 per month

Total monthly food budget: $350–600

That’s enough for a comfortable mix of local meals, a few Western indulgences, and some nice dinners by the beach.

For a couple or small family

• Groceries: $400–600 per month
• Eating out: $250–400 per month

Total monthly food budget: $650–1,000

Plenty for a mix of home-cooked meals, weekend brunches, and a few splurge nights.

Utilities in Bali

Utilities in Bali are generally affordable, but costs can vary depending on where you live, how modern your place is, and how much you use the air conditioning (spoiler: it adds up fast).

Electricity and water bills tend to be lower than in most Western countries, but many rentals don’t include them, so it’s worth confirming before signing a lease. Most villas and apartments use prepaid electricity (token system), where you top up credit as you go.

Electricity

Electricity is usually charged per kilowatt-hour (kWh), and if you’re running air conditioning daily, expect your monthly bill to climb quickly.

• Average monthly cost: $30–70 for small apartments, $80–150 for villas with air conditioning in multiple rooms.
• Tip: You can top up your prepaid meter at convenience stores like Indomaret or Alfamart, or directly through apps like PLN Mobile.

Water

Tap water isn’t safe to drink in Bali, so bottled or filtered water is essential. Most people either order large refillable gallons or install a home dispenser.

• Average monthly cost: $10–25 for water refills and dispenser maintenance.
• Tip: Some rentals include water in the rent, especially for smaller apartments or kosts.

Internet

Bali’s internet has improved massively, especially in popular expat areas like Canggu, Ubud, and Sanur. Fibre connections are available in most places, but speed and reliability still depend on the provider and area.

• Average monthly cost: $25–50 for home Wi-Fi (20–75 Mbps).
• Tip: If you work remotely, go for providers like Biznet or Indihome. Some cafés even offer co-working spaces with high-speed connections.

Mobile data

SIM cards are easy to get and cheap. Telkomsel and XL Axiata are the most reliable for coverage across the island.

• Average monthly cost: $5–15 for 20–50 GB of data.
• Tip: You can top up through apps like Dana or ShopeePay, or at any convenience store.

Here’s a quick breakdown of typical monthly utility costs in USD:

Always check what’s included in your rent before moving in. Villas often charge utilities separately, while kosts and serviced apartments might include Wi-Fi, cleaning, and water in the rent.

Healthcare in Bali

Healthcare in Bali is generally good, but it’s one of those things you need to plan ahead for — especially if you’re staying long-term. You’ll find everything from small local clinics for minor issues to high-end international hospitals that feel more like wellness resorts.

Public healthcare

Indonesia has a national healthcare system (BPJS Kesehatan) that locals use, but it’s not commonly chosen by expats, digital nomads, or tourists. Public hospitals can be crowded, slower, and not always equipped for complex or emergency cases.

• Cost: Very low or free for locals, limited access for foreigners.
• Pros: Affordable, available across the island.
• Cons: Long waits, basic facilities, and limited English-speaking staff.

If you’re visiting or staying short-term, it’s better to use private care. It’s faster, more comfortable, and still relatively affordable compared to Western countries.

Private healthcare

Private hospitals and clinics are where most expats and travellers go in Bali. Many doctors speak English, and some facilities cater specifically to international patients.

Private health insurance

If you’re planning to stay more than a few weeks, having travel or private health insurance is a must. While minor treatments are affordable, serious emergencies, especially those requiring evacuation to Singapore or Australia, can be costly.

Most expats use international providers like Cigna, Allianz, or AXA, which cover treatment in Indonesia and evacuation if needed. For shorter stays, travel insurance from SafetyWing or World Nomads works well.

Average living costs in Bali

They say Bali fits every type of traveller, and I say every type of budget too. You can live simply, eat local, and spend your days barefoot in Ubud, or you can go all out with beach clubs, villas, and daily smoothie bowls.

Here’s a rough idea of what life on the island might cost each month.

Earning abroad, spending in Bali

Bali’s charm is all about balance between work and rest, city buzz and ocean calm. Managing your money while living there is not different.

With Grey, you can send and receive payments in USD, GBP, or EUR, convert them when rates are favourable, and withdraw IDR directly to your Indonesian bank account, speedily and efficiently.

Open your Grey account today to experience truly inclusive global banking, designed for you.

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There are only a handful of moments quite as exciting as a confirmation mail from the university you applied to.

It’s that single moment when months of applications, essays, and anxious email refreshing finally pay off. It’s even more surreal when the university is in London, one of the world’s most popular and cosmopolitan cities.

However, once the excitement subsides, the important question of how much it will cost to live in London inevitably arises.

That’s why I’ve put together this guide. It’s a complete breakdown of what it really costs to live as an international student in London. We’ll cover everything from accommodation to entertainment, and I’ll show you how Grey helps you to make your pounds stretch further (especially if you’re receiving money from home).

So, let’s unpack the numbers, shall we?

Accommodation

Rent is almost always the biggest part of a student’s budget. It varies depending on where you live. Central areas like Bloomsbury, Shoreditch, and South Kensington are pricier because they’re near top universities (UCL, LSE, Imperial). If you’re okay with a longer commute, you’ll find cheaper options in areas like Stratford, Lewisham, or Wembley.

Many students save by sharing flats. Websites like SpareRoom or UniAcco help you find affordable, student-friendly housing. Remember that bills (electricity, Wi-Fi, water) often aren’t included in private rentals, so you’ll need to add another £150 - £250 monthly.

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Food and groceries

How much you spend on groceries depends entirely on your lifestyle. Cooking at home can save a lot, especially if you shop smart. Supermarkets like Aldi, Lidl, Tesco, and Asda are student favourites, while M&S and Waitrose are pricier but great for the occasional treat.

If you cook most of your meals, you’ll likely spend around £150 - £250 per month on groceries. Eating out regularly or relying on takeaways can double that. You can also get student discounts in nearby restaurants and cafes. Also, meal prepping on weekends helps cut weekday costs and saves you from impulsive buying.

Also read: Cost of living in Alexandria

Transportation

Public transport in London is excellent but pricey, so plan ahead as much as you can. Most students rely on the Tube, buses, and trains, with discounted Oyster cards or Student Travelcards to keep costs down. I recommend using Trainpal or Trainline to book trains ahead, especially when you’ll be travelling outside London.

If your classes are close to home, cycling can save a ton. Santander Cycles (Boris Bikes) cost just £20/month for unlimited 60-minute rides. Walking is also underrated in central London; you’ll be surprised how much you can explore on foot. It’s important to note that mobile maps, such as Google or Apple Maps, are helpful. The London commute can be very confusing, so it’s a great way to stay informed about your location. Ensure your device is charged, type in the address, and you’re all set.

Utilities and internet

If you live in university housing, utilities are usually included. However, if you’re renting privately, you may need to pay separately for essentials such as electricity, gas, and Wi-Fi. You can also find private accommodation with all bills included, but these are usually in the form of flatshares.

Students are exempt from paying Council Tax if they’re enrolled full-time, so make sure to get a letter from your university confirming your status.

Study materials and personal expenses

Books, printing, and supplies might not seem like much, but the costs can quickly add up. Most universities have libraries stocked with required textbooks; however, some courses may require specific editions or software (you can use the Grey virtual card for this).

Most students also budget for occasional entertainment, streaming services, and social activities. It’s London. You’ll want to see a play, visit museums, or just enjoy a pint with friends now and then.

Also read: Cost of living in London vs New York: A full comparison

Entertainment and leisure

London is full of free and low-cost experiences. Museums like the Tate Modern, British Museum, and V&A are all free, and many theatres have discounted student tickets. Still, it’s nice to have a small leisure budget. A modest £150 - £250 per month for entertainment covers the occasional night out, gym membership, or city exploration.

Total estimated monthly cost of living for international students

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Total estimated monthly cost: £1,500 - £2,500

Your exact budget depends on where you live and how you spend, but a realistic figure for most international students in London falls between £18,000 and £25,000 per year.

Also read: Cost of living in London

Managing money in London with Grey

While studying your course in school, you’ll also need to learn how to manage your money outside of it. Many international students face the challenge of finding a reliable way to receive funds from outside the country or send some money back home occasionally.

Grey completely solves that. With a multicurrency account, you can receive money from home in USD, GBP, or EUR, convert at competitive rates, and spend directly in pounds, all without worrying about hidden fees or bad exchange rates.

So, if your parents send you funds monthly or even if you freelance part-time, Grey helps you manage your finances like a local.

Open a Grey account today or download the app and take one more thing off your student to-do list.

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Disclaimer: This article is based on researched data and is intended to give you a general overview of the cost of living in London. The figures provided are estimates gathered at the time of writing and may vary depending on location, lifestyle, and market changes.

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New Delhi is a city of contrasts, with centuries-old temples beside glass towers, quiet colonial avenues next to buzzing markets, and flavours that shift from luxury dining to roadside chaat. Life here can be as affordable or as indulgent as you make it, and that’s what makes Delhi so dynamic for expats, freelancers, and remote workers.

Living in New Delhi means navigating both the modern and the traditional, from leafy neighbourhoods in South Delhi to the energy of Connaught Place. The cost of living varies widely depending on where you stay and how you spend.

Rent in Delhi

Finding a home in Delhi is all about choosing your pace and comfort level. Expats tend to favour the safer, greener areas in South and Central Delhi, while more affordable options are available in the city’s outer districts or Gurgaon (now Gurugram).

Here’s how rent typically looks across neighbourhoods:

South Delhi (Greater Kailash, Hauz Khas, Defence Colony)

The expat favourite. South Delhi combines convenience, cafés, and leafy residential streets. Areas like Greater Kailash and Defence Colony are upscale and well-connected, while Hauz Khas offers a younger, artsy feel with boutique apartments and nightlife.

Central Delhi (Connaught Place, Karol Bagh, Chanakyapuri)

Historic, convenient, and full of colonial charm. Central Delhi is ideal for those who want quick access to embassies, offices, and cultural attractions. It’s pricier, but living here means being in the thick of the action.

Gurgaon (Gurugram)

Modern and business-focused. Gurgaon is home to corporate offices, luxury malls, and newer high-rise complexes. It’s popular with professionals working remotely or in tech and finance. The infrastructure is modern, and many apartments come with gyms and pools.

East and North Delhi (Preet Vihar, Rohini, Mayur Vihar)

More affordable and family-friendly. These districts are great for long-term residents seeking lower rents without leaving the city. Infrastructure is improving, and access to metro lines makes commuting manageable.

Noida and Faridabad (suburban options)

For those who prefer space and calm. These satellite cities are connected by metro and offer newer developments with lower rents, ideal for remote workers or families.

Transport in New Delhi

New Delhi is a city that moves fast (sometimes too fast). Between a buzzing metro, the endless flow of rickshaws, and the constant hum of traffic, getting around is an adventure in itself. For expats, navigating Delhi’s transport network can feel overwhelming at first, but it quickly becomes second nature.

Delhi Metro

Clean, efficient, and air-conditioned, the Delhi Metro is the backbone of the city’s public transport. It connects nearly every major area, from Connaught Place to Gurgaon and Noida. It’s the most reliable way to escape traffic and travel long distances quickly.

• Cost: ₹10–60 ($0.12–$0.70) per ride, depending on distance. Monthly passes start around ₹1,000 ($12).
• Tip: Avoid rush hours (8–10am and 6–8pm). The women-only coaches are great for comfort and safety.

Autorickshaws

The green-and-yellow autos are everywhere in Delhi. They’re perfect for short to medium trips and cost less than taxis.

• Cost: Base fare is ₹30 ($0.35) for the first 2 km, then ₹11/km ($0.13/km).
• Tip: Always insist on using the meter or agree on a price before getting in, especially near tourist spots or at night.

Ride-hailing apps (Ola, Uber, Rapido)

Most expats rely on ride-hailing apps for convenience and cashless payments. Both Ola and Uber are widely used, and Rapido offers affordable bike rides for solo travellers.

• Cost: ₹100–300 ($1.20–$3.60) for short rides; ₹500–800 ($6–$9.50) for longer distances across the city.
• Tip: Fares rise sharply during rain or peak hours. Opt for Ola Auto or Rapido to avoid surge pricing.

Taxis (traditional cabs)

Traditional black-and-yellow taxis still exist, but they’re far less common than before. Most travellers now prefer app-based rides for safety and reliability.

• Cost: Around ₹25/km ($0.30/km) on average.
• Tip: Book through an app or hotel to avoid inflated rates.

Buses

Delhi has an extensive bus system run by the Delhi Transport Corporation (DTC) and private operators. Buses are cheap, frequent, and cover nearly all parts of the city. Many are now air-conditioned.

• Cost: ₹10–25 ($0.12–$0.30) per ride.
• Tip: Buses can get crowded, especially during office hours. Use Google Maps to track routes and timings.

Driving and car rentals

Driving in Delhi is not for the faint-hearted. Traffic is heavy, rules are loosely followed, and parking can be a challenge. Still, many expats rent or hire drivers for convenience.

• Cost: Car rental starts around ₹1,500–2,000/day ($18–$24) for a small car. Fuel costs about ₹95–105/litre ($1.10–$1.25).
• Tip: Most long-term expats hire a local driver (₹15,000–25,000/month) rather than driving themselves.

Two-wheelers and scooters

Motorbikes and scooters are popular for short commutes, especially in areas with tight traffic. Apps like Rapido also rent bikes.

• Cost: ₹400–800/day ($5–$10) for rental; ₹1,000–1,500/month for petrol costs.
• Tip: Always wear a helmet. Traffic in Delhi can be unpredictable, especially during peak hours.

Walking and cycling

Delhi isn’t the most pedestrian-friendly city, but areas like Lutyens’ Delhi, Connaught Place, and Lodhi Garden are pleasant to explore on foot. Some new neighbourhoods also have dedicated cycling tracks.

• Cost: Free; cycle rentals start at ₹30–50/hour ($0.35–$0.60).
• Tip: Early mornings are best for walking or cycling before the heat and traffic build up.

Quick cost overview

Food prices in New Delhi

I love that food in New Delhi is a daily celebration of flavour, from sizzling street food at India Gate to elegant fine dining in Khan Market or Aerocity. You can live on spicy chaat and parathas or enjoy global cuisine in expat-favourite cafés.

Restaurants

Eating out in Delhi ranges from quick roadside snacks to multi-course gourmet meals. Street food is cheap, delicious, and everywhere, while cafés and restaurants in South Delhi or Gurugram offer trendy, international menus.

• Street food / local dhabas: Expect to pay ₹100–250 ($1.20–$3) for filling meals like chole bhature, biryani, or thali. A cup of chai or fresh juice adds ₹20–50 ($0.25–$0.60).
• Mid-range restaurants: A sit-down meal in areas like Hauz Khas, Connaught Place, or Greater Kailash costs ₹600–1,200 ($7–$14) per person, including mains, sides, and a drink.
• Fine dining/rooftop spots: Dinner for two at high-end restaurants in Aerocity or luxury hotels can range ₹3,000–6,000 ($35–$70), not including alcohol.

Delhi also has a thriving café culture, with modern coffee houses and coworking cafés in places like Lodhi Colony or Saket. Coffee and pastries usually cost ₹200–400 ($2.50–$5).

Supermarkets and markets

Grocery shopping in Delhi depends on how and where you shop. You can save a lot by buying from local mandis (fresh markets), or choose the convenience of large supermarkets that stock imported items for expats.

The tip is always to shop in a mix of both: mandis for fresh produce, and premium stores for imported cheese, wine, and cereals. Imported goods are significantly pricier due to taxes, so switching to local brands can save a lot.

Monthly cost overview

For one person

• Groceries (mix of local and premium stores): $40–70 per week (~$160–280 per month)
• Eating out (casual meals, cafés, and occasional dinners): $30–60 per week (~$120–240 per month)

Total monthly food budget: $280–520

Enough to cook regularly, enjoy street food, and still dine out a few times a week without stretching your wallet.

For a couple or small family

• Groceries: $80–130 per week (~$320–520 per month)
• Eating out: $60–100 per week (~$240–400 per month)

Total monthly food budget: $560–920

This covers a comfortable mix of home-cooked meals, family lunches, and the occasional treat at Delhi’s upscale restaurants.

Utilities costs in Delhi

New Delhi’s utility costs are generally reasonable, though electricity bills can fluctuate quite a bit between seasons, especially during the hot summer months when air conditioning runs constantly. Here’s what you can expect monthly:

Electricity

Electricity is the biggest variable in your utility budget. Summers (April–August) can drive bills up significantly due to air conditioning, while winter usage drops sharply.

• Average monthly cost for a 1–2 bedroom apartment: $35–70
• Tip: Using energy-efficient appliances and fans instead of AC when possible can help cut costs. Most bills are handled by BSES or NDMC and paid monthly online or via apps.

Water

Water is inexpensive but not always consistently supplied in every area — especially in older buildings. Many apartments in Delhi have water tanks or rely on tankers for refills.

• Average monthly cost: $5–15
• Tip: Check if water is included in your rent or building maintenance fee. Tanker delivery charges can add $5–10 extra when needed.

Gas

Most homes use piped natural gas (PNG) for cooking, but in some areas, LPG cylinders are still common. Both are affordable and widely available.

• Cost: $8–15 per month
• Tip: Piped gas (Indraprastha Gas Limited) is the most convenient option; if using cylinders, keep a backup since delivery can take a day or two.

Internet

Internet coverage in Delhi is excellent, especially in residential areas and coworking hubs. Fibre broadband is standard, with competitive speeds and reliable service.

• Average monthly cost: $10–25 for high-speed fibre (100–300 Mbps)
• Tip: Popular providers include Airtel Xstream, JioFiber, and ACT Fibernet. Installation is usually done within 1–2 days.

Mobile/Cell phone

Mobile data is very cheap in India — some of the lowest prices in the world. Both prepaid and postpaid plans include generous data allowances.

• Average monthly cost: $3–8 for 10–20 GB data
• Tip: Jio, Airtel, and Vi are the main carriers. SIM cards are easy to get with a passport and ID photo.

Healthcare in Delhi

Healthcare in New Delhi offers a wide range of options, from low-cost public hospitals to world-class private facilities that attract patients from across the globe. The city is a major hub for medical tourism, offering high-quality treatment at a fraction of Western prices.

Public healthcare

India’s public healthcare system, run under the National Health Mission, provides basic medical services at government hospitals and clinics. While affordable, these facilities are often overcrowded and may lack modern equipment or English-speaking staff.

• Cost: Free or very low for residents; nominal fees for foreigners
• Pros: Extremely low-cost and widely available
• Cons: Long waiting times, inconsistent quality, and limited comfort

Public hospitals like AIIMS (All India Institute of Medical Sciences) are among the best in the country, but expats generally prefer private options for reliability and efficiency.

Private healthcare and insurance

Private healthcare in New Delhi is excellent and affordable by international standards. Leading hospitals such as Fortis, Apollo, and Max Healthcare provide English-speaking doctors, advanced treatments, and modern facilities.

• Basic consultation (without insurance): $10–25
• Specialist visit: $30–60
• Hospital stay (per night, private room): $80–150

Private health insurance is highly recommended for expats and long-term residents. Most international providers, like Cigna, Allianz, and HDFC ERGO**,** offer flexible plans that include both local and global coverage.

Tip: Most doctors in private hospitals speak fluent English, and appointments can often be booked online or via apps. Pharmacies are plentiful, and generic medications are widely available, making day-to-day healthcare both convenient and inexpensive.

Average living costs in New Delhi

New Delhi is one of Asia’s most dynamic capitals, offering a blend of history, food, culture, and modern convenience. While the city can be as affordable or expensive as you make it, your monthly costs will largely depend on your neighbourhood and lifestyle choices, like in most cities.

You can live comfortably in New Delhi for around $1,200–1,600 per month, though costs rise sharply in high-end neighbourhoods or if you prefer imported goods and Western-style amenities.

Living globally, spending locally in New Delhi

From rooftop bars in Hauz Khas to the calm of Lodhi Gardens, New Delhi blends heritage and modern living in a way few cities can. For expats and freelancers earning abroad, the city offers an incredible quality of life at a fraction of Western costs.

With Grey, you can receive international payments in USD, GBP, or EUR, convert them at competitive rates, and withdraw INR ****directly to a local account.

Open your Grey account today and make living in New Delhi as rewarding financially as it is culturally.

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Cebu might move at a slower pace than Manila, but it doesn’t lag behind in charm or opportunity. Known as the Queen City of the South, it’s where city living meets island life. One day you’re at a beach in Mactan, the next you’re grabbing coffee in a sleek IT Park café or exploring the mountains of Busay.

For expats, freelancers, and remote workers, Cebu offers an easy-going lifestyle with lower costs, great connectivity, and the ocean always within reach. The cost of living depends on how you want to experience it. You can choose from a budget apartment near downtown Cebu, a modern condo in IT Park, or a sea-view flat in Mactan are all within reach.

Read also: The best digital nomad jobs in the Philippines

Rent in Cebu

Finding a place to live in Cebu is all about deciding your pace: city energy or coastal calm. The city has grown into one of the Philippines’ most dynamic hubs, blending modern living with easy access to beaches and nature.

Rent varies depending on the area. Modern condos near Cebu IT Park and Lahug are pricier, while more local neighbourhoods around Mandaue or Talamban offer good value. Many properties come fully furnished and include amenities like pools, gyms, and 24-hour security.

Cebu Business Park and IT Park

The heart of modern Cebu. These areas attract professionals and digital nomads with high-speed internet, coworking spaces, cafés, and restaurants. It’s central, convenient, safe, and the most popular choice for expats.

Mactan Island

Perfect for those who love ocean views and resort-style living. Mactan combines city access with beach proximity, making it ideal for expats working remotely.

Lahug and Banilad

This is a balanced option, close to schools, malls, and the city centre but with quieter surroundings. Great for families or long-term expats looking for more space and greenery.

Talamban, Mandaue, and nearby suburbs

Ideal for those on a tighter budget or seeking a more local feel. These areas are farther from the main business districts but offer good transport links and affordable rents.

Transport in Cebu

Cebu is easier to navigate than Manila, but traffic can still surprise you during rush hour — especially around IT Park, Mandaue, and the bridges to Mactan. The city blends island calm with urban bustle, and most expats quickly find their rhythm using a mix of taxis, ride-hailing apps, jeepneys, and motorbikes.

Taxis

Taxis are common in Cebu City and a reliable way to get around. They’re metered, affordable, and safer when booked through apps or hotel desks.

• Cost: Starts around ₱45 ($0.75), with most rides costing ₱120–₱250 ($2–$4.50).
• Tip: Always ask the driver to use the meter. If travelling from the airport, use the official taxi queue to avoid overcharging.

Ride-hailing apps (Grab, Angkas)

Grab is the go-to app for expats and travellers — offering car, taxi, and food delivery services. Angkas (for motorbike rides) is also popular for beating traffic in busy areas.

• Cost: ₱120–₱300 ($2–$5) depending on distance and time of day.
• Tip: Prices can spike during rush hour or rain, so book early or use Angkas for short trips.

Jeepneys

Cebu’s colourful jeepneys are everywhere and remain the cheapest way to get around. Routes cover the whole city, though figuring them out takes a little practice.

• Cost: ₱13–₱25 ($0.25–$0.45) per ride.
• Tip: Have small bills ready and say “Lugar lang” when you want to get off. It’s a fun, authentic way to experience local life.

Buses

Cebu’s bus routes mostly connect the city to neighbouring areas like Mactan, Liloan, and Talisay. Within the city, MyBus and P2P routes are air-conditioned and convenient for daily commutes.

• Cost: ₱30–₱100 ($0.50–$1.75) depending on distance.
• Tip: The MyBus line from SM Seaside or Mactan Airport is reliable and great for travellers or long-distance commuters.

Motorbikes and scooters

Cebu’s compact size makes scooters a favourite for locals and long-stay expats. You can rent, buy, or book a ride through apps like Angkas or JoyRide.

• Cost: ₱100–₱200 ($2–$3.50) per ride, or ₱700–₱1,000/day ($12–$18) for rental.
• Tip: Always wear a helmet and carry your licence — local enforcement is strict.

Car rentals / driving

Driving in Cebu gives you freedom to explore beyond the city — beaches, waterfalls, and mountain spots are just hours away. Traffic can get heavy near bridges and city centres, but roads are generally better than in Manila.

• Cost: ₱1,500–₱2,800/day ($25–$45) for compact cars. Petrol is around ₱70/L (~$1.20).
• Tip: Parking is limited in the city centre; consider staying in areas with private parking.

Ferries and island hopping

One unique perk of Cebu life — you can hop on a ferry and be on another island in an hour. Regular ferries and fast crafts connect Cebu to Bohol, Negros, and nearby islands.

• Cost: ₱300–₱1,000 ($5–$18) depending on destination.
• Tip: Book in advance on weekends or holidays; OceanJet and 2GO are popular operators.

Walking and cycling

Cebu is compact enough for short walks in safe areas like IT Park or Cebu Business Park. Cycling is becoming more common, with new lanes and rental options.

• Cost: Free to walk; bike rentals from ₱300–₱500/day ($5–$9).
• Tip: Best to walk or cycle early in the morning before traffic and heat pick up.

Food prices in Cebu

Cebu is a city that feeds both your appetite and your curiosity — where street stalls, seaside grills, and trendy cafés coexist in perfect balance. The food scene is as diverse as the island itself: Filipino comfort classics, fresh seafood, and international flavours all within reach.

Restaurants

Eating out in Cebu can be as affordable or indulgent as you like. You can grab a plate of lechon or pancit from a local eatery for a few dollars or sit down to a fusion meal overlooking the sea.

• Street food / local eateries: Expect to spend ₱100–₱200 ($1.75–$3.50) for rice meals, grilled meat or fish, and soft drinks. Local favourites include lechon, sinuglaw, and silog combos.
• Mid-range restaurants: In Cebu IT Park, Lahug, or Ayala Center, a sit-down meal costs ₱350–₱800 ($6–$14) per person, with generous portions and modern ambience.
• Fine dining / resort restaurants: Dinner for two at upscale venues in Mactan or Cebu Business Park ranges from ₱2,500–₱5,000 ($45–$90), not including drinks.

Cafés are a big part of Cebu life — perfect for remote work or weekend brunches. Expect to pay ₱200–₱350 ($3.50–$6) for a latte and pastry in popular spots like IT Park or Banilad.

Supermarkets and markets

Groceries in Cebu are affordable, especially if you mix shopping between supermarkets and palengkes (wet markets). Imported goods are pricier, but local produce, meat, and seafood are fresh and inexpensive.

Many expats in Cebu do a mix: buying seafood and fruit at local markets, then stocking up on pantry items and imported food at Landers or SM. The city’s coastal location means seafood — tuna, shrimp, and squid — is often fresher and cheaper than in Manila.

Here’s a realistic monthly breakdown in USD:

For one person

• Groceries (mix of markets and supermarkets): $50–80 per week (~$200–320 per month)
• Eating out (casual meals, cafés, or occasional dinners): $30–60 per week (~$120–240 per month)

Total monthly food budget: $320–560

Enough to cook most meals at home, dine out a few times a week, and still enjoy Cebu’s food scene — from lechon stalls to seaside cafés.

For a couple or small family

• Groceries: $100–150 per week (~$400–600 per month)
• Eating out: $60–100 per week (~$240–400 per month)

Total monthly food budget: $640–1,000

That covers a nice mix of home cooking, local dining, and the occasional weekend splurge at a resort or high-end restaurant in Mactan.

Utilities costs in Cebu

Cebu’s utility costs are similar to Manila’s, though slightly lower in some areas. Electricity remains the biggest expense, especially if you rely on air conditioning to get through the humid months. Most modern condos include basic amenities like water and internet, but it’s always worth confirming what’s covered in your rent.

Electricity

Electricity costs in Cebu can vary depending on the building and how much you use the AC. The local provider, Visayan Electric (VECO), charges rates comparable to those in Metro Manila.

• Average monthly cost for a 1–2 bedroom apartment: $50–100
• Tip: Use fans when possible and turn off appliances when not in use — AC and water heaters are the main energy drivers. Many landlords allow online bill payment or include utilities in rent for short-term stays.

Water

Water is generally affordable and provided by the Metropolitan Cebu Water District (MCWD). Most condos and apartments charge minimal monthly rates, though houses may have separate billing.

• Average monthly cost: $8–20
• Tip: Check if water is included in your rent. Tap water is safe for washing, but it’s best to use bottled or filtered water for drinking.

Gas

Most households in Cebu use LPG tanks for cooking. These are easy to order from local suppliers and usually delivered within the day.

• Cost: Around $10–15 per month (depending on cooking habits)
• Tip: Keep a backup tank since deliveries can be slower during holidays or weekends.

Internet

Internet in Cebu is reliable, with fibre connections widely available in urban areas. It’s fast enough for remote work, video calls, and streaming.

• Average monthly cost: $25–50 for fibre (up to 200–300 Mbps)
• Tip: PLDT, Globe, and Converge are the main providers. Installation typically takes 3–7 days depending on your area.

Mobile/Cell phone

Mobile data is affordable and widely used. Most expats choose prepaid SIM cards, which are simple to top up online or through convenience stores.

• Average monthly cost: $8–18 for 10–20 GB data
• Tip: Globe and Smart have strong coverage across Cebu City and the surrounding islands.

Healthcare in Cebu

Cebu’s healthcare system offers a balance between affordability and quality, with a good mix of public hospitals and private facilities that cater to both locals and expats. The city is known for its reliable medical infrastructure, modern private hospitals, and English-speaking healthcare professionals.

Public healthcare

Public healthcare in Cebu is managed under the national system of the Department of Health (DOH) and supported by PhilHealth, the government’s health insurance programme. Public hospitals are inexpensive and accessible but often busy, especially during peak hours.

• Cost: Low or free for residents; small fees for procedures and medication
• Pros: Affordable and widely available
• Cons: Long queues, basic facilities, and limited equipment in smaller hospitals

Public healthcare is a decent option for minor illnesses or emergencies, but most expats prefer private hospitals for better service, shorter waiting times, and modern facilities.

Private healthcare and insurance

Cebu has several excellent private hospitals offering international-quality care at affordable prices compared to Western standards. Facilities such as Cebu Doctors’ University Hospital, Chong Hua Hospital, and Perpetual Succour Hospital are well regarded for their modern equipment, specialised departments, and English-speaking staff.

• Basic consultation (without insurance): $20–$40
• Specialist visit: $40–$80
• Hospital stay (per night, private room): $100–$200

Private health insurance is recommended for expats, digital nomads, and long-term residents. Both local and international providers offer a range of plans suitable for healthcare in Cebu and nationwide. Leading insurers include AXA Philippines, Pacific Cross, Allianz, and Cigna Global.

Average living costs in Cebu

Cebu blends the rhythm of city life with the calm of island living. It’s more relaxed than Manila but just as dynamic, with coworking cafés, mountain getaways, and beaches never too far away. The cost of living is slightly lower than in the capital, making it an appealing choice for expats, freelancers, and remote workers looking for balance.

You can live comfortably in Cebu for around $1,000–1,600 per month, depending on your lifestyle and location. Local markets, affordable dining, and easy access to nature make it easy to live well without overspending.

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Across the world, cities are reinventing themselves for the remote work era, and Mumbai is leading the charge in India. Known for its fast pace, entrepreneurial energy, and affordable lifestyle, the city now boasts a 27% increase in the number of coworking spaces due to the strong demand from professionals choosing flexible work models. With more than 82% of local professionals reporting a preference for working from home over returning to the office, the remote work culture here is clearly gaining momentum.

In this article, we’ll show Mumbai’s opportunities, along with tips on how to stay connected and live affordably while working remotely.

Also read: Safe ways to receive international payments in India

Why Mumbai is perfect for remote professionals in Asia

Mumbai is a city where remote work feels alive, creative, and connected. Here’s why professionals everywhere are choosing to work from here.

World-class connectivity

Whether you’re video-calling clients in London or sending files to Singapore, Mumbai keeps you seamlessly connected. With fast internet, expanding coworking hubs, and 24-hour business services, staying productive here is effortless. You’ll find reliable tech infrastructure that supports global collaborations and remote workflows without the stress of downtime.

An inspiring community

Remote work can sometimes feel isolating, but not here. Mumbai’s creative and professional scene is full of people just like you: founders, freelancers, and dreamers who love to share ideas. You’ll find plenty of coworking hubs, meetups, and after-work hangouts that make networking feel like friendship, not work.

Affordable lifestyle

Compared to cities like Singapore or Dubai, Mumbai feels surprisingly affordable. Rent, food, and coworking spaces don’t drain your wallet, and you can still live comfortably. For remote professionals, it’s a city where your money stretches further—letting you save, explore, and enjoy life without constantly thinking about expenses.

Also read: International payment fees explained for Indians.

Work-life balance

Mumbai makes it easy to mix work and downtime without leaving the city. You can plug in at a sea-facing café, unwind with friends at a rooftop spot, or plan weekend escapes to Lonavala or Alibaug. The city’s pace keeps you inspired, but its getaways remind you to pause, breathe, and recharge.

Tips on how to work remotely from Mumbai

Stay central

Mumbai traffic is famous, so living in central neighbourhoods like Bandra, Andheri, or BKC can save you hours every week. Being close to cafés, coworking spaces, and metro lines makes your day easier, gives you more time to focus on work, and lets you enjoy the city without feeling stuck in transit.

Join coworking spaces

Coworking spaces in Mumbai are great, even if you also like working from home or cafés. They provide reliable internet, professional setups, and a chance to meet like-minded people. From quiet studios to lively community hubs, these spaces help you stay focused, collaborate, and feel connected to the city’s energy.

Eat local

Mumbai’s street food and small local eateries are a way to experience the city. From vada pav and pav bhaji to fresh seafood, trying local flavours is affordable and fun. Every meal becomes a little adventure, giving you a chance to pause, recharge, and soak in Mumbai’s vibrant energy.

Use public transport

While traffic can be daunting, Mumbai’s local trains, metro, and BEST buses make getting around affordable and efficient. Learning the routes saves time and gives you a genuine sense of local life. Bonus: train rides offer a glimpse of Mumbai’s everyday culture, turning daily commutes into moments of curiosity rather than stress.

Also read: The best virtual debit cards in India for safe and easy online payments

How much will you spend working remotely in Mumbai?

Mumbai can be overwhelming, but remote work here is manageable if you're aware of the costs. Let’s break down what you can expect for transport, internet, co-working, and rent.

Transportation

Getting around Mumbai doesn’t have to break the bank. While taxis and ride-hailing apps are convenient, using public transportation, such as local trains, metros, and buses, is much more affordable and gives you a true feel for the city’s rhythm. Expect to spend around₹3,000–₹4,000

per month, depending on how often you mix private rides with public options.

Internet

Reliable internet is essential for remote work, and Mumbai has plenty of options. High-speed fiber plans range from ₹2,000–₹5,000 per month, depending on speed and provider. Many cafés and coworking spaces also offer strong Wi-Fi, so you can work comfortably without worrying about connectivity issues.

Co-working spaces

Co-working memberships vary widely. Budget-friendly spaces start at around ₹5,000–₹8,000 per month for hot desks, while premium options can reach ₹15,000–₹25,000 for dedicated desks or private cabins. They’re a worthwhile investment for stability, networking, and access to professional amenities while working in the city.

Rent

Rent in Mumbai is the biggest expense. A small studio or 1BHK in areas like Bandra, Andheri, or BKC can cost ₹25,000–₹50,000 per month. Shared apartments are more affordable, ranging from ₹12,000 to ₹20,000. Staying slightly outside central areas can reduce costs while still keeping you close to transport and coworking hubs.

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Get paid seamlessly from Mumbai

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