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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Surat for students: rent ₹10,000/mo, cost index 82 vs UK median 93, 2 universities. Compared to 27 other Gujarat cities below.
Surat for students: rent ₹10,000/mo, cost index 82 vs UK median 93, 2 universities. Compared to 27 other Gujarat cities below.
Surat: cost index 82 (-11 vs national avg 93), rent ₹10,000/month.
Gujarat region average cost index: 93. Surat is -11 vs region peers.
Quality of life: 59/100 — safety 72, healthcare 65, walkability 42.
Safety score: 72/100 (crime rate 25.2/1k). National average: 62/100.
| # | City | Cost Index | Rent/mo | Income |
|---|---|---|---|---|
| 1 | Surat | 82 | ₹10,000 | ₹4,50,000 |
| 2 | Raipur | 68 | ₹7,000 | ₹3,40,000 |
| 3 | Patna | 68 | ₹7,500 | ₹3,20,000 |
| 4 | Ranchi | 70 | ₹7,500 | ₹3,50,000 |
| 5 | Bhubaneswar | 72 | ₹8,000 | ₹3,60,000 |
| 6 | Bhopal | 72 | ₹8,500 | ₹3,60,000 |
| 7 | Indore | 75 | ₹9,000 | ₹3,80,000 |
| 8 | Guwahati | 75 | ₹9,000 | ₹3,80,000 |
| 9 | Nagpur | 78 | ₹10,000 | ₹4,20,000 |
| 10 | Coimbatore | 82 | ₹10,000 | ₹4,20,000 |
| 11 | Thiruvananthapuram | 88 | ₹10,000 | ₹4,40,000 |
| 12 | Visakhapatnam | 82 | ₹10,000 | ₹4,20,000 |
| 13 | Dehradun | 82 | ₹10,000 | ₹4,20,000 |
| 14 | Lucknow | 78 | ₹10,000 | ₹4,00,000 |
| 15 | Jaipur | 85 | ₹11,000 | ₹4,20,000 |
| 16 | Kolkata | 88 | ₹12,000 | ₹4,50,000 |
| 17 | Ahmedabad | 88 | ₹12,000 | ₹4,80,000 |
| 18 | Kochi | 95 | ₹12,000 | ₹4,80,000 |
| 19 | Chandigarh | 98 | ₹14,000 | ₹5,20,000 |
| 20 | Panaji | 105 | ₹15,000 | ₹4,80,000 |
The conventional wisdom says one thing. The data says another: Surat has a cost index of 82 — 11 points below the India national average of 93. Median income is ₹4,50,000 with rent at ₹10,000/month, putting the rent-to-income ratio at 27%. Financially, that's significant.
That said, looking at Gujarat as a whole, the spread across all 28 cities is 60 points on the cost index. Mumbai sits at the other end with index 142 and rent of ₹35,000/mo. Financially, that's significant.
On quality of life, Surat scores a composite score of 59/100 — reflecting its safety (72), healthcare (65), and walkability (42) metrics. Zooming out, affordability and QoL don't always move in the same direction, and India is a good example of that tension.
Surat — cost index 82, rent ₹10,000/mo, income ₹4,50,000, QoL 59/100.
Raipur — cost index 68, rent ₹7,000/mo, income ₹3,40,000, QoL 59/100.
Patna — cost index 68, rent ₹7,500/mo, income ₹3,20,000, QoL 51/100.
Ranchi — cost index 70, rent ₹7,500/mo, income ₹3,50,000, QoL 59/100.
Bhubaneswar — cost index 72, rent ₹8,000/mo, income ₹3,60,000, QoL 63/100.
Surat scores 59/100 on the relevant index for students — with rent of ₹10,000/month and cost index 82 (11 points below the national average of 93).
The Gujarat region of average QoL score is 57/100. Surat leads with 59/100, reflecting safety, healthcare access, walkability, and green space.
Our index is benchmarked to 100 (national median). Sub-categories cover housing, food, transport, utilities, and healthcare. Data sources include MoSPI CPI, RBI, NHB RESIDEX, PLFS.
Surat: cost index 82, rent ₹10,000/mo, income ₹4,50,000/yr, QoL 59/100. Raipur: cost index 68, rent ₹7,000/mo, income ₹3,40,000/yr, QoL 59/100.
This analysis uses data from MoSPI CPI, RBI, NHB RESIDEX, PLFS to rank cities in India. The cost of living index is benchmarked to 100 (national median). Quality of life scores combine safety, healthcare, walkability, air quality, green space, and transit metrics. Salary ranges use national occupation data adjusted for local cost differences. Data is updated regularly to reflect current market conditions.