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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Surat quality of life score: 59/100 (India avg: 57/100). Combines safety (72), healthcare (65), walkability (42), air quality (AQI 48) and green space (10%). Compared to Gujarat peers in 2026.
Surat quality of life score: 59/100 (India avg: 57/100). Combines safety (72), healthcare (65), walkability (42), air quality (AQI 48) and green space (10%). Compared to Gujarat peers in 2026.
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 | Thiruvananthapuram | 88 | ₹10,000 | ₹4,40,000 |
| 3 | Kochi | 95 | ₹12,000 | ₹4,80,000 |
| 4 | Coimbatore | 82 | ₹10,000 | ₹4,20,000 |
| 5 | Dehradun | 82 | ₹10,000 | ₹4,20,000 |
| 6 | Chandigarh | 98 | ₹14,000 | ₹5,20,000 |
| 7 | Panaji | 105 | ₹15,000 | ₹4,80,000 |
| 8 | Indore | 75 | ₹9,000 | ₹3,80,000 |
| 9 | Bhopal | 72 | ₹8,500 | ₹3,60,000 |
| 10 | Bhubaneswar | 72 | ₹8,000 | ₹3,60,000 |
| 11 | Nagpur | 78 | ₹10,000 | ₹4,20,000 |
| 12 | Visakhapatnam | 82 | ₹10,000 | ₹4,20,000 |
| 13 | Guwahati | 75 | ₹9,000 | ₹3,80,000 |
| 14 | Ranchi | 70 | ₹7,500 | ₹3,50,000 |
| 15 | Raipur | 68 | ₹7,000 | ₹3,40,000 |
| 16 | Kolkata | 88 | ₹12,000 | ₹4,50,000 |
| 17 | Ahmedabad | 88 | ₹12,000 | ₹4,80,000 |
| 18 | Chennai | 112 | ₹18,000 | ₹5,80,000 |
| 19 | Lucknow | 78 | ₹10,000 | ₹4,00,000 |
| 20 | Pune | 108 | ₹18,000 | ₹6,20,000 |
Let's cut to what actually matters here. 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%. This combination is rare — and valuable.
Layer in taxes, though, and the math changes. 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. But here's the flip side: 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.
Thiruvananthapuram — cost index 88, rent ₹10,000/mo, income ₹4,40,000, QoL 70/100.
Kochi — cost index 95, rent ₹12,000/mo, income ₹4,80,000, QoL 67/100.
Coimbatore — cost index 82, rent ₹10,000/mo, income ₹4,20,000, QoL 65/100.
Dehradun — cost index 82, rent ₹10,000/mo, income ₹4,20,000, QoL 65/100.
Surat has a composite quality of life score of 59/100, covering safety (72), healthcare (65), walkability (42), air quality, and green space. India average QoL: 57/100.
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. Thiruvananthapuram: cost index 88, rent ₹10,000/mo, income ₹4,40,000/yr, QoL 70/100.
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.