The United States of America is a highly sought-after study destination for students from around the world due to its adaptable education system, lively campus atmosphere, outstanding academic reputation, diverse cultural experiences, and abundant job prospects. However, it is important to note that studying in the US can be quite costly for international students, considering both tuition fees and living expenses. On average, the estimated annual cost of living for international students in the USA ranges from $10,000 to $18,000, translating to an average monthly expenditure of approximately $1,000 to $1,500.
How much is the cost of living in USA?
The following table will give you a fair idea of common expenses you will incur while living in the USA. Through this table you will also learn about the difference in living expenses if you stay alone and if you stay with your family.
| Expense category | Average monthly cost (Single person) | Average monthly cost (Couple without children) |
| Accommodation | $1200 | $1400 |
| Utilities | $200 | $250 |
| Food and groceries | $400 | $500 |
| Transportation | $200 | $250 |
| Clothing and shoes | $150 | $200 |
| Leisure and entertainment | $200 | $250 |
| Socializing | $100 | $150 |
Please note: The amount listed in the table above is for reference only. The actual expenditure may vary based on several critical factors.
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Cost of living in USA for a family of four
Calculate the cost of living in the USA for a family of four can vary greatly depending on the location, lifestyle, and family needs. However, some general estimates can be made to give you an idea of what to expect.
Accommodation
Accommodation is typically the largest expense for families in the USA. The median rent for a two-bedroom apartment in the USA is $1,350 per month. However, rent can be much higher in major cities like New York City and San Francisco.
Utilities
Utilities, such as electricity, gas, water, and trash removal, typically cost around $200 per month for a family of four.
Food
Food is another major expense for families. The average family of four spends around $800 per month on food. However, this can vary depending on the family’s eating habits and whether they eat out often.
Transportation
Transportation costs can vary depending on the family’s needs. If both parents work, they will need to factor in the cost of commuting to work. Families who live in rural areas may also have higher transportation costs, as they may need to drive long distances to get to work, school, and other activities.
Healthcare
Healthcare costs can be a significant expense for families in the USA. The average family of four pays around $11,000 per year on healthcare. However, this can vary depending on the family’s health insurance plan and whether they have any pre-existing conditions.
Other expenses
Other expenses, such as clothing, childcare, and entertainment, can also add up quickly. The average family of four spends around $1,000 per month on these expenses.
Total cost of living
The total cost of living for a family of four in the USA can range from $2,500 to $5,000 per month. However, this can vary greatly depending on the factors mentioned above.
Cost of living in USA as a family of two/ shared by two individuals
The cost of living in the United States can vary greatly depending on the location, lifestyle, and individual needs. However, for a family of two or two individuals sharing a household, the average monthly expenses can range from $3,000 to $5,000.
Accommodation:
Accommodation is typically the largest expense for a household, accounting for about 33% of the total budget. The median rent for a one-bedroom apartment in the United States is $1,100 per month, while the median rent for a two-bedroom apartment is $1,400 per month. However, rent can be significantly higher in major cities such as New York City, San Francisco, and Los Angeles.
Utilities:
Utilities, such as electricity, gas, water, and trash, typically cost between $150 and $200 per month. However, the cost of utilities can vary depending on the size of the home, the climate, and the energy efficiency of the appliances.
Food:
Food is another major expense, accounting for about 21% of the total budget. The average family of four spends about $800 per month on groceries. However, the cost of food can vary depending on the dietary needs of the family and the location.
Transportation:
Transportation costs can vary greatly depending on the location and whether or not the family owns a car. The average monthly car payment is $500, while the average monthly cost of gas is $200. Public transportation can be a more affordable option, but it may not be available in all areas.
Other expenses:
Other expenses, such as healthcare, clothing, and entertainment, can account for about 46% of the total budget. The cost of healthcare can vary greatly depending on the family’s insurance plan and the type of care they need. Clothing costs can also vary depending on the family’s lifestyle and budget. Entertainment costs can vary depending on the family’s interests and activities.
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Cost of living in USA for an Indian student
The cost of living in the USA for an Indian student can vary depending on the location, lifestyle, and individual needs. However, on average, Indian students can expect to spend between $10,000 and $25,000 per year on living expenses.
Accommodation
Accommodation for International students is typically the largest expense in the USA. The average cost of on-campus accommodation is between $9,800 and $11,000 per year. Off-campus accommodation is generally more expensive, with rent for a one-bedroom apartment ranging from $300 to $400 per month.
Food
Food is another major expense for Indian students. The average student spends between $250 and $300 per month on groceries. However, the cost of food can vary depending on the dietary needs of the student and the location.
Transportation
Transportation costs can also be significant for Indian students. The average student spends between $100 and $200 per month on transportation, including bus passes, taxi fares, and Uber or Lyft rides.
Textbooks and supplies
Textbooks and supplies can be a major expense for Indian students, especially those in STEM fields. The average student spends between $500 and $1,000 per year on textbooks and supplies.
Healthcare
Healthcare costs can also be a concern for Indian students. Most universities require students to have student health insurance, which can cost between $500 and $1,000 per year.
Other expenses
Other expenses, such as clothing, entertainment, and travel, can also add up for Indian students. The average student spends between $500 and $1,000 per year on these expenses.
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List of common expenditures with their cost
Restaurants and cafes
| Restaurants and cafes | Price |
| McDonald’s | $8 |
| Burger King | $7 |
| Wendy’s | $6 |
| Taco Bell | $5 |
Please note: The figures listed in the table above are for reference only. The actual expenditure may vary based on several critical factors.
Transport
| Mode of transportation | Average monthly cost |
| Car ownership | $800 – $1,200 |
| Public transportation | $50 – $100 |
| Biking | $0 – $50 |
| Walking | $0 |
| Ridesharing | $100 – $200 |
Please note: The figures listed in the table above are for reference only. The actual expenditure may vary based on several critical factors.
Monthly rent
| Type of apartment in Los Angeles | Average monthly rent | Average square footage |
| Studio | $1,500 | 300 sq. ft. |
| One Bedroom | $2,000 | 500 sq. ft. |
| Two Bedroom | $2,500 | 700 sq. ft. |
| Three Bedroom | $3,000 | 1,000 sq. ft. |
Please note: The figures listed in the table above are for reference only. The actual expenditure may vary based on several critical factors.
Average rent in the USA on a regional basis
| City | Median rent for a one-bedroom apartment | Median rent for a two-bedroom apartment |
| San Francisco | $2,750 | $3,900 |
| New York City | $3,100 | $4,600 |
| Boston | $2,600 | $3,400 |
| Los Angeles | $2,500 | $3,500 |
| Chicago | $2,200 | $2,900 |
| Seattle | $2,500 | $3,400 |
| Washington, D.C. | $2,400 | $3,200 |
| Minneapolis | $1,500 | $2,100 |
| Denver | $1,700 | $2,400 |
| Atlanta | $1,600 | $2,200 |
Please note: The figures listed in the table above are for reference only. The actual expenditure may vary based on several critical factors.
Education costs in USA
| Degree level | Average annual tuition fee |
| Undergraduate (Public) | $13,120 |
| Undergraduate (Private) | $53,400 |
| Graduate (Public) | $19,710 |
| Graduate (Private) | $41,950 |
Please note: The figures listed in the table above are for reference only. The actual expenditure may vary based on several critical factors.
Affordable cities to live in USA
| City | State | Median home value | Median household income |
| Hickory | North Carolina | $162,000 | $53,100 |
| Youngstown | Ohio | $82,500 | $49,400 |
| Huntington, West Virginia and Ashland, Kentucky | West Virginia/Kentucky | $84,900 | $48,500 |
| Huntsville, Alabama | Alabama | $193,400 | $61,400 |
| Fort Wayne, Indiana | Indiana | $131,400 | $54,300 |
| Beaumont, Texas | Texas | $118,600 | $52,300 |
| Peoria, Illinois | Illinois | $112,900 | $52,200 |
| Green Bay, Wisconsin | Wisconsin | $158,000 | $54,900 |
Please note: The figures listed in the table above are for reference only. The actual expenditure may vary based on several critical factors.
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Tips to save money for Indian students in USA
Living in the United States can be an expensive experience, especially for Indian students who are not used to the high cost of living. However, there are several things that Indian students can do to save money while they are studying in the US.
- Apply for scholarships and financial aid. There are many scholarships and financial aid programs available to Indian students who are studying in the US. These programs can help to offset the cost of tuition, accommodation, and other expenses.
- Get a part-time job. Many Indian students work part-time jobs while they are studying in the US. This can be a great way to earn extra money to help cover living expenses. There are several on-campus and off-campus job opportunities available to students.
- Live in shared accommodation. Shared accommodation, such as dorms or apartments, is a more affordable option than living alone. This can help to save money on rent and other expenses.
- Cook at home. Eating out can be expensive. Cooking at home is a more affordable option. There are many Indian grocery stores in the US where you can buy affordable ingredients.
- Take advantage of student discounts. Many businesses offer student discounts. Be sure to ask about student discounts when shopping for groceries, transportation, and other goods and services.
Get ahead of the game by knowing your destination early on. Understanding the cost of living in the USA as a student can provide a sense of ease, allowing you to concentrate on your studies. These handy tips will help you manage your finances while studying in the USA.
However, suppose you are overwhelmed with scholarship applications, university choices, or housing decisions. In that case, our expert study abroad counselors at MSM Unify are here to provide personalized and impartial guidance, ensuring your dreams become a reality without any stress!
FAQs
What is the cost of living in the USA?
Rent prices can be quite high, especially in popular areas. On average, a one-bedroom apartment in a city center can cost around $1,800 to $3,000 per month. However, keep in mind that these prices can fluctuate and it’s always a good idea to research the specific area you are interested in.
How much money do you need to live in the USA for a month?
The cost of living in the USA can vary depending on the city and lifestyle you choose. Generally, you can expect to spend around $2,000 to $4,000 per month for basic living expenses such as rent, utilities, groceries, transportation, and entertainment. However, keep in mind that this is just an estimate and the actual cost can be higher or lower depending on various factors.
Is living in the U.S. more expensive than in India?
Yes, living in the U.S. is generally more expensive than living in India. The cost of living in the U.S. is influenced by factors such as housing, healthcare, transportation, education, and groceries, which tend to be higher compared to India.
Which country has the highest cost of living?
The country with the highest cost of living varies depending on various factors such as currency exchange rates, inflation rates, and the specific cities or regions being compared. However, some of the countries known for having a high cost of living include Switzerland, Norway, Denmark, Iceland, and Luxembourg.
Is it cheaper to live in the UK or the USA?
It is more expensive to live in the USA due to several factors including transportation, healthcare costs, living expenses, and more.
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