Vol. 04 / 2026Asia · IndiaUpdated Mar 2026
№ 00 — The City Report

Surat, a diamond and textile capital city reportIndia · population 7.5 million · index 6.9 of 10

An independent report on living in Surat, scored across cost, safety, weather, jobs, healthcare, education, transport, and twelve more axes. No tourism board input. No paid placement.

6.9
Index Score
Surat, IndiaCover · The City Report
№ 01 — The Quick Take

Surat in 200 words.

Surat scored 6.9 on the everycity index in 2026. The headline numbers: rent on a one bedroom apartment in Vesu runs 14,000 rupees, the monthly all in cost lands at 580 dollars for a single resident, the safety score is 7.2 on the same 10 point scale we apply to Tokyo, London, and Singapore, and the median internet speed is 88 Mbps.

The case for Surat is named in the cost table in section 2, the safety read in section 3, and the verdict in section 12. The case against, when there is one, is also named in section 12. The numbers run by category. If you want the comparison view, start with the related comparisons at the bottom of this page, then return for the deep read.

The data feeding this report comes from our methodology page, with primary sources at the bottom of the page. Numbers are May 2026 unless stated otherwise. Currency is the rupee, with USD conversion in parentheses where the original is not the dollar. For the country context, India places Surat on the national table; for the regional context, Asia places it on the continental table.

One reading note. This is the long form report. If you only want the headline numbers, the city score generator returns the index figure with custom weights in 30 seconds. If you want the comparison view across two cities, the bottom of this page lists the most useful pairings for Surat. If you want the cost converter from your current city, the cost converter tool handles the math against 580 dollars a month as the Surat baseline.

For new readers: this report sits inside Volume 04 of the everycity atlas, our 2026 issue. The methodology has been refreshed against the May 2026 Numbeo, Mercer, and OECD data drops, with primary source rechecks in March and April 2026. Where the numbers conflict, we use the lower of the published values for cost and the higher for risk. The next refresh ships August 2026. For ongoing updates on this report specifically, see the Surat changelog.

№ 02 — Cost of Living

The monthly arithmetic.

Twelve line items priced in May 2026 for a single resident living in a central one bedroom. Family of four numbers run 2.4 times the single resident figure.

Line item
Single, 1 bed
Family of four
Rent, central one bedroom14,000 rupees
Single tier14,000 rupees
Family tier24,000 rupees
Rent, suburban two bedroom11,000 rupees
Single tier11,000 rupees
Family tier18,000 rupees
Family three bedroom rent28,000 rupees
Single tier28,000 rupees
Family tier28,000 rupees
Groceries, monthly125 dollars
Single tier125 dollars
Family tier340 dollars
Public transport pass9 dollars
Single tier9 dollars
Family tier32 dollars
Utilities, average42 dollars
Single tier42 dollars
Family tier85 dollars
Internet, 300 Mbps11 dollars
Single tier11 dollars
Family tier11 dollars
Coffee, take away1.40 dollars
Single tier1.40 dollars
Family tier1.40 dollars
Beer, supermarket3.20 dollars
Single tier3.20 dollars
Family tier3.20 dollars
Dinner for two, mid18 dollars
Single tier18 dollars
Family tier18 dollars
Gym membership24 dollars
Single tier24 dollars
Family tier24 dollars
Mobile phone plan3.20 dollars
Single tier3.20 dollars
Family tier3.20 dollars

Total monthly all in for a single resident in a central one bedroom in Vesu: 580 dollars. That puts Surat 50 percent below Mumbai, 18 percent below Pune, and 88 percent below London on the same May 2026 basis. For the family of four equivalent, multiply by 2.4 and you reach 1392 dollars before international school, which is the line item that changes the math materially.

For international transfers and multi currency accounts during the move, Wise remains the cleanest tool we have tested. The rate on a USD to INR conversion sits within 0.6 percent of the mid market rate, and Wise pays the local bank network directly. Booking the first month in a serviced apartment through Booking.com while you find a long term contract is the standard play. See the 2026 cost of living report for the city by city table.

Reader question we get often: how do Surat costs compare on a purchasing power basis. The cost converter tool takes a salary in your home city and tells you what equivalent number you would need in Surat to maintain the same standard of living, adjusted for tax and currency. Bookmark it before you accept the offer.

Three quiet costs new residents underestimate in Surat: the deposit on the rental, which usually runs two to ten months upfront depending on the local market and the landlord; the broker or agent fee, typically one to one and a half months of rent paid to the agent on signing; and the dependence on private transport for parts of the city where public transport thins out. Budget the move at 14 times the headline monthly rent and pad another two months of all in costs as a buffer. The relocation checklist has the line by line.

Salary equivalent

What does your salary need to look like in Surat?

Equivalent in Surat
$7,000

Adjusted for cost of living, tax position, and currency. Recalculated against a 580 dollar a month baseline.

№ 03 — Safety

A 10 point read on streets, day and night.

Surat scored 7.2 overall. The breakdown matters more than the headline.

Overall7.2
Solo female, day7.0
Family with kids7.5
After dark, central6.4

Surat ranks among the safest of the Indian tier two cities, with lower violent crime rates than Mumbai or New Delhi and strong civic infrastructure thanks to a decade of municipal investment. The state of Gujarat is dry as of May 2026, and the lower alcohol availability shows up in the petty crime numbers. The safest cities ranking places Tokyo at 9.6 and Singapore at 9.5 as the top of the global table; for comparison with London at 7.4 and Sao Paulo at 5.2, Surat benchmarks accordingly.

Practical notes for new residents: violent crime against foreign professionals is rare in most neighborhoods listed in section 6; scams and property crime concentrate in the major transit hubs and the tourist areas. Carry an international policy from SafetyWing for the first six months while your local cover gets sorted; medical evacuation cover matters here because the local road accident rates and emergency response variance can both surprise the new arrival. The full safety methodology is on our methodology page.

The four categories that make up the overall safety score are: violent crime, property crime, traffic safety, and emergency response time. Surat is strongest on the categories listed in the safety detail above. The Surat safety deep dive walks the four categories with the underlying data from the local police statistics and the national crime registries. The solo female safety ranking and family safety ranking show how Surat compares on those axes specifically.

№ 04 — Weather

The climate in plain numbers.

tropical savanna, Aw under Koppen, 104F pre monsoon highs in May, 56F winter lows in January, three month monsoon June through September, the Arabian Sea proximity keeps coastal humidity above 70 percent year round.

The best months to live in Surat are November, December, January, February. The worst, in our reader survey, were May for the dry heat that pushes 104F most afternoons, and August for the monsoon flooding that has historically swamped parts of the old city along the Tapi river. For a city that can match your home weather, see the climate match tool. For seasonal travel within the same climate band, the warm winter ranking is the standard cross reference.

Climate practical notes for Surat: every flat needs the relevant climate equipment, whether that means air conditioning, central heating, or both. Check the unit count, the age of the system, and whether the building has reliable backup power during the viewing. Older equipment burns 35 to 55 percent more electricity for the same comfort. The Surat housing quality guide breaks down what to look for during viewings.

Air quality in Surat sits in the middle of the Indian range, winter PM2.5 typically lands at 45 to 78 micrograms per cubic meter; the WHO threshold is 15. The 2006 Surat flood remains the central infrastructure memory of the city and substantial drainage upgrades have followed since. The Surat air quality report tracks PM2.5 and ozone month by month with the relevant comparison cities. If you have asthma or a young child, read this before signing.

Climate adaptation is the longer conversation. The 2024 to 2026 trend lines for Surat track the regional pattern: hotter summers, more variable rain or drought events, and the longer term resilience question for the city's infrastructure. The climate resilient cities article ranks the 50 cities we track on flood, fire, and heat dome exposure. Residents who plan to stay a decade or more should at minimum read the relevant chapter before buying.

№ 05 — Jobs and Salary

Who pays, and how much the tax takes back.

Salary medians are May 2026, sourced from Glassdoor, Levels.fyi, and OECD wage data. Tax figures are from the official revenue authority.

Role, mid level
Median salary
Tax band
Software engineer1,500,000 rupees
Top rate 39 percentmarginal
Senior engineer2,800,000 rupees
marginalmarginal
Textile manager1,400,000 rupees
Top rate 39 percentmarginal
Senior textile role2,600,000 rupees
marginalmarginal
Diamond merchantvaries wildly
Top rate 39 percentmarginal
Petrochemical engineer2,200,000 rupees
marginalmarginal

Surat processes 90 percent of the world's rough diamonds and is the largest textile manufacturing cluster in India outside Mumbai. The petrochemical sector at Hazira gives the city a third pillar that few Indian metros can match. The major employers in Surat are: Reliance Industries at Hazira, Essar Steel, Larsen and Toubro at Hazira, ONGC, Adani Group, plus the diamond trading houses at SDB Surat Diamond Bourse, the textile clusters at Sachin and Pandesara, and the growing IT services layer around the SVNIT and Auro University campuses. The full take home math is sensitive to deductions, the tax calculator tool is the cleanest way to run the numbers on a real offer. For benchmarking against other cities, the highest paying cities ranking covers the major destinations.

Note on tax: Same India national slabs as the rest of the country: zero to 300,000 rupees free, 5 percent to 600,000, 10 percent to 900,000, 15 percent to 1,200,000, 20 percent to 1,500,000, 30 percent above. The 4 percent health and education cess applies. Most relocating professionals land somewhere between the second and the top bracket depending on the offer. Run your number against the actual offer, not the headline rate.

Working culture in Surat is its own variable. Hours, hierarchy, and weekend expectations vary widely by sector. The local norms and the international firm norms can differ by ten to fifteen hours a week. The Surat working culture guide covers the specifics. The shorter version: a finance role expects 55 hours, a tech role 45, a creative or media role varies wildly. Read the relocation checklist for the items the recruiters skip.

Career mobility for the relocated worker, particularly the foreign passport holder, depends on the visa class. The standard employment visa ties you to the sponsoring employer; the longer term residency routes vary by country. The career growth ranking tracks the pattern across the cities in this issue, and the India employment visa guide covers the renewal and conversion paths.

One more lens. The dual income household question. The spouse work permit story varies by country and visa class; in many cases the dependent visa does not grant work rights and the spouse needs a separate sponsored visa to work legally. The spouse visa guide covers the 30 most common destination cities. Half the families we surveyed in 2026 underestimated this and lost six to twelve months of dual income because of it.

№ 06 — Neighborhoods

Where to actually live.

Eight neighborhoods, each with the rent number and a one line verdict.

newer high rises, family friendly, mall adjacent, 380 dollars for a one bedroom
river facing, walkable, 320 dollars for a one bedroom
old money, leafy, 410 dollars for a one bedroom
planned, business district adjacent, 340 dollars for a one bedroom
mid market, walkable, 360 dollars for a one bedroom
diamond merchant base, dense, 280 dollars for a one bedroom
newer, ring road adjacent, 310 dollars for a one bedroom
beach end, quieter, 290 dollars for a one bedroom
Surat Tapi river bridge crossing at evening
Surat Dumas Beach long exposure waves
Surat diamond market workshop interior
Surat textile market interior arches
Surat old city haveli courtyard

The neighborhood scores feed our neighborhood matcher tool, which takes your lifestyle inputs and returns the right area within Surat on a 1 to 10 fit. For comparable neighborhood guides in other cities, see London neighborhoods, Tokyo neighborhoods, and Singapore neighborhoods.

For long term rentals beyond the first month, residents use the local market listing platforms, the Facebook expat groups, and the relocation agencies that work with international employers. Agent fees and deposits vary by country and neighborhood; in many cases the deposit runs two to ten months upfront. Bring your passport, employment letter, and a local guarantor or company letter to the viewing. The relocation checklist covers the documentation by country.

Two neighborhood rules of thumb the data supports. First, the band one or two transit stops from the prime expat area always trades at a 25 to 40 percent discount for similar quality and is usually the right call below the C suite. Second, the area where new infrastructure is opening, whether a metro line, a hospital, or an international school, tends to move first when the rental market rotates. Track those rules across the eight Surat neighborhoods above and you can usually pick the right one in twenty minutes.

№ 07 — Healthcare

The system, the cost, the wait.

Healthcare scored 6.8 on a 10 point scale. The methodology weights access, cost, and outcomes equally.

Two tier system: SMIMER and the New Civil Hospital on the public side, BAPS Yogiji Maharaj, Kiran Multi Super Speciality, Sunshine Global, and Mahavir Cardiac on the private side. Private consultation fees run 10 to 35 dollars depending on speciality, the cardiac and oncology departments at Mahavir and Kiran draw patients from across Gujarat.

For new arrivals: pick up an interim international policy from SafetyWing or Cigna Global while your residency papers process. Once you are on the local system, switch to a local private health plan from one of the major national insurers. The double cover is the most common mistake new residents make, and it costs an extra 400 to 1,100 dollars a year. The expat insurance guide covers the trade off in detail.

Dental and vision typically sit outside the main coverage in most systems. Dental cleaning runs 15 to 60 dollars, a filling 12 to 80 dollars, a single tooth implant 380 to 1,400 dollars, an annual eye exam 12 to 35 dollars. Cross check the Surat dental care guide before booking. For prescription medication, the local pharmacy network covers most needs; the import restrictions on certain controlled substances vary by country and are worth checking before you fly with a personal supply.

Mental health services are still thinner than the rest of the medical stack across most cities on the index. Expect six to twelve month waits for non urgent appointments with the busiest English speaking psychiatrists; private cover with online therapy platforms collapses that to one to two weeks at the cost of 22 to 90 dollars per session depending on the provider. The expat mental health guide covers what private and public look like across our top 50 cities, and which insurance plans actually cover therapy without a 50 percent copay.

№ 08 — Education and Family

Schools, if you have kids.

The international school option, the local school option, and the cost of each.

Surat hosts 14 international schools accredited by IB, CIE, IGCSE, or WASC, the British, American, IB, French, German, and Japanese curricula are variously represented. Tuition at Fountainhead School, S.D. Jain Modern School, Vibgyor High, Lourdes Convent, plus the Gujarat board stack at L.P. Savani and Tapti Valley International runs 4,000 to 14,000 dollars a year per child plus enrollment fees.

The family rating for Surat weights school quality, park access, safety, healthcare, and the cost of a three bedroom flat. See the best cities for families ranking for the full table. The relocating with kids guide covers the school admissions calendar, which typically runs January through April for September entry, with international school deadlines closer to November or December of the prior year.

Beyond school, the family experience in Surat is shaped by what is free or cheap. Public parks, public libraries, and free museum admission are the three amenities that change a family budget the most. The family budget guide models the realistic monthly all in figure for a family of four across 30 destination cities, and Babbel remains the cleanest entry point for the parent who wants working local language inside six months.

For the working couple, on site daycare runs another 280 to 1,400 dollars a month at the international daycare networks; local language daycare runs 80 to 540 dollars depending on the country. The Surat childcare guide works through the application timeline and the wait list at the popular daycares.

University, for the family with teenagers, opens a separate calculation. The relevant national institutions and the international branch campuses each have their own admissions calendar, tuition structure, and post graduation work permit terms. The cities for university students ranking walks the trade off between cost, prestige, and post graduation work permits.

№ 09 — Transport

Walk, ride, or drive.

Walkability 5.0, transit 4.2, bike 4.0. Car needed: Yes.

Walk5.0
Transit4.2
Bike4.0
Car neededYes

No metro yet, the Surat Metro project broke ground in 2021 with the first phase scheduled for 2027. City buses run by Sitilink cover most major corridors at 5 to 20 rupees per ride, autorickshaws fill the gaps at 30 to 200 rupees, and Ola and Uber operate citywide.

The walkability score of 5.0 reflects the structural reality on the ground. The neighborhoods listed in section 6 vary substantially on walkability within the city; the expat default neighborhood typically scores one to two points above the citywide figure. Bike commuting depends as much on cultural acceptance and infrastructure as on the headline weather and topography. For relocation scouting trips and the first two weeks, a rental from Discover Cars covers most needs at 35 to 90 dollars a day.

Airport access is the variable most travelers underweight. Surat Airport sits 10 km southwest of the city center in Magdalla; a taxi from Vesu runs 12 to 25 minutes and 220 to 380 rupees. Domestic carriers fly to Mumbai, Delhi, Bangalore, and Chennai; international flights to Sharjah and Dubai resumed in 2024. The Surat airport access guide walks the major routes with the actual costs and times. For frequent flyers, the best airport cities ranking tracks connectivity and lounge density across the 100 cities that matter for the global business traveler.

№ 10 — Culture and Cuisine

What makes Surat itself.

The food signatures, the nightlife rating, the cultural calendar.

Food in Surat: Gujarati cuisine in its strongest regional form: locho, undhiyu, khaman dhokla, fafda, the famous Surti farsan culture that has its own dictionary of names for fried snacks. The Sunday morning ghari at Athwalines is the city tradition. The state is dry, the bar economy is not part of the equation, and the consumer surplus shows up in the food. The nightlife scores 4.2 on the 10 point scale, the methodology weights bar density, late hour transport, and the diversity of the scene. The best cities for nightlife ranking places this in context.

The nightlife scores 4.2 reflecting the Gujarat dry law: bars are not part of the picture. The late night food economy and the social club tradition fill the gap. The Mumbai trip for a wedding weekend is a four hour train ride away. For day to day cultural input, the Surat cultural calendar tracks the festivals, museum exhibitions, and gigs worth a flight. Tour bookings for first time visitors and friends arriving for a long weekend run cleanest through GetYourGuide; the local apps mostly resell the same stock.

Two underrated reads on cultural fit: how late the city eats, and how quietly it complains. The cities for foodies ranking lists the food capitals on a single chart. For complaint culture, the local letters pages, the local social media, and the resident community groups tell you what residents fight about; the Surat resident grievances roundup reads them so you do not have to.

№ 11 — Remote Work

Internet, visas, and where to plug in.

Median internet speed 88 Mbps. Coworking density: 32 spaces. Nomad visa: No dedicated route, the eVisa allows 180 days a year for tourism and business.

Internet in Surat is among the fastest of the Indian tier two cities; the median speed of 88 Mbps beats the national figure by a margin. The coworking density is thinner than Pune or Bangalore but the cost basis is lower. For a privacy layer on local networks, NordVPN remains the cleanest option we have tested. The best cities for remote work ranking covers the full table.

For nomads: No dedicated route, the eVisa allows 180 days a year for tourism and business. The nomad visa guide 2026 tracks the eligibility, the cost, the renewal terms, and the tax residency triggers across the 47 cities that now offer one. Watch the 182 day rule for local tax residency that applies in most jurisdictions including this one.

For coworking specifically, the density figure of 32 spaces hides a wide quality range. The premium operators in any city tend to cluster around the central business district and the prime expat neighborhoods, while the mid market operators serve the working freelancer at a third of the premium price. The Surat coworking guide tracks the specific operators with the floor plans and the monthly numbers. The best cities for digital nomads ranking keeps the macro view, with Surat placed on the same axis as Bangkok, Bali, and Lisbon for direct comparison.

№ 12 — The Verdict

Who should move to Surat, and who shouldn't.

Surat works for the diamond or textile professional, the petrochemical engineer with a Reliance or Essar offer, and the family looking for an Indian tier two city with lower violent crime than the metros and a real industrial base. The dry law shapes the social scene; for some readers that is a feature, for others a bug. The car dependence is real. The international flight roster is thinner than Mumbai, Pune, or Bangalore. The cultural depth is real within the Gujarati regional context but narrower if you are not part of that community.

If your work or family ties point you to Surat, the cost basis, the safety figures, and the food tradition make it a stronger choice than the headline tier ranking suggests. If you are choosing a city blind from the global atlas, Pune or Bangalore is the better default.

For the comparison view: see the related comparisons below. For the country level read: India. For the regional read: Asia.

Sources, May 2026. Numbeo cost of living index May 2026 · Mercer Cost of Living Survey 2026 · OECD Income Distribution Database 2025 · World Bank Open Data 2025 · Speedtest Global Index April 2026 · EIU Safe Cities Index 2024 · Bloomberg Health Care Efficiency 2025 · the relevant national tax authorities for headline rates · Glassdoor and Levels.fyi for salary medians · the national international school registries. First published 2024-04-18. Last updated 2026-05-14.