Today, Singapore is one of the most preferred education destinations, with its top-class universities and excellent career opportunities. Standing at 17th place in the Times Higher Education Ranking 2025, the National University of Singapore (NUS) is a prime example of the world-class education the country has to offer. Besides being a renowned global education hub, Singapore offers great economic prospects and a rich multicultural society. If you intend to pursue your higher education in this country, you must know about the cost of living in Singapore. From tuition costs to daily living expenses, being aware of the financial realities of residing in this vibrant metropolis is essential for making well-informed choices. So, let’s dive into all the details now.
Key Areas of Expenses While Living in Singapore
Living in Singapore requires careful financial planning, as the cost of living can be high. Here are the key areas where individuals typically incur expenses:
1. Accommodation
Housing is a major expense in Singapore, with options ranging from university dormitories and shared apartments to private flats. The cost of accommodation in Singapore depends on location, type of housing, and amenities provided.
2. Food and Dining
Singapore offers a diverse range of dining options, from budget-friendly hawker centres to high-end restaurants. Cooking at home can be more economical, while eating out frequently can increase monthly expenses.
3. Transportation
The country has an efficient public transport system, including buses and MRT trains, which are affordable and widely used. Some residents also opt for taxis, ride-hailing services, or even owning a car, though the latter comes with significant costs.
4. Utilities and Internet
Electricity, water, gas, and internet services contribute to monthly expenses. The cost varies based on consumption, the type of accommodation, and personal lifestyle habits.
5. Healthcare and Insurance
While Singapore has a world-class healthcare system, medical expenses can be high without proper insurance. Many residents opt for health insurance plans to cover doctor visits, medications, and emergencies.
6. Education and Course Materials
For students, tuition fees and the cost of books, study materials, and other academic resources are essential considerations. Some courses may also require additional expenses for laboratory work or field studies.
7. Leisure and Entertainment
Recreational activities, gym memberships, movie outings, and travel can add to living expenses. Singapore has a vibrant social scene, and expenses in this category vary based on personal preferences.
8. Miscellaneous and Personal Expenses
Everyday expenses such as shopping, personal care, and subscriptions to digital services also contribute to overall living costs. Budgeting for these expenses ensures better financial management.
What Is The Cost Of Living In Singapore?
Here’s a monthly breakdown of the essential living costs in Singapore for international students:
| Particulars | Expenses (Per Month) |
| Off-Campus Accommodation | SGD 800 – 850 |
| On-Campus Accommodation | SGD 1600 – 1700 |
| Transportation | SGD 100 – 150 |
| Food | SGD 400 – 450 |
| Entertainment | SGD 60 – 80 |
| Groceries | SGD 70 – 80 |
| Clothes | SGD 150 – 200 |
| Total Cost of Living with Off-Campus Accommodation | SGD 1700 – 1800 |
| Total Cost of Living with On-Campus Accommodation | SGD 1600 – 1700 |
| Annual Cost Of Living | SGD 20000 – 25000 |
Transportation Costs in Singapore
Public transport in Singapore is excellent, making it an ideal choice for daily commutes, especially in congested areas of the city.
| Transportation in Singapore | Average Cost |
| Monthly bus/transport pass | 100- 120 SGD |
| Taxi tariff, 8km/5 mile journey | 12-15 SGD |
Food Costs in Singapore
Food costs in Singapore depend largely on where you spend your money – restaurants or groceries. Given below is a breakdown of the food costs you’ll incur in each:
| Food Costs In Restaurants | |
| Meal, Inexpensive Restaurant | SGD 15 – 20 |
| Meal for 2 People, Mid-range Restaurant, Three-course | SGD 90 – 100 |
| McMeal at McDonalds (or Equivalent Combo Meal) | SGD 10 – 15 |
| Cappuccino (regular) | SGD 6 – 10 |
| Water (0.33 liter bottle) | SGD 2 – 5 |
| Coke/Pepsi (0.33 liter bottle) | SGD 2 – 5 |
| Food Costs On Groceries | |
| Milk (Regular 1 ltr.) | SGD 4 – 6 |
| Loaf of Fresh White Bread (500g) | SGD 3 – 5 |
| Rice (white) (1kg) | SGD 4 – 6 |
| Eggs (regular) (12) | SGD 5 – 7 |
| Local Cheese (1kg) | SGD 25 – 30 |
| Chicken Fillets (1kg) | SGD 14 – 20 |
| Beef Round (1kg) (or Equivalent Back Leg Red Meat) | SGD 27 – 30 |
Leisure/Entertainment Costs in Singapore
Understanding the costs associated with outdoor activities can help you better plan your budget and make the most of what this dynamic city has to offer. Below is an overview of the typical leisure and entertainment expenses you can expect in Singapore.
| 2 tickets to the movies | SGD 75 – 80 |
| 1 month of gym membership in the business district | SGD 85 – 90 |
| Cappuccino in the expat area of the city | SGD 20 – 25 |
| Dinner for two at an Italian restaurant in the expat area, including appetisers, main course, wine and dessert | SGD 140 – 145 |
Scholarships To Study In Singapore For International Students
The Singapore Government offers a number of merit-based, need-based, and country-specific scholarships. Here are some of the most relevant scholarships in Singapore for international students:
| Scholarship Name | Eligibility | Awards |
| Tuition Grant Scheme | Applicants must enrol in a full-time undergraduate, postgraduate, or diploma course | Total tuition grant provided as a loan; international students must sign a Tuition Grant Agreement to work in Singapore for 3 years after graduation. |
| Dr Goh Keng Swee Scholarships | – Enrolment for undergraduate studies in Nanyang Technological University, National University of Singapore, Singapore University of Technology and Design, or Singapore Management University. – Demonstrated strong leadership qualities; Excellent academic and co-curricular achievements | Tuition; Airfare; Annual maintenance allowance of 6,500 SGD; Hostel allowance; One-time settling-in allowance of 200 SGD |
| Singapore International Pre-Graduate Award (SIPGA) | – 3rd and 4th year undergraduate and master’s students from international universities in STEM courses; – Interest in a research career; Proficient in English | Monthly stipend of 2,000 SGD |
| National Science Scholarship (PhD) | Undergraduates interested in Computer Science, Biomedical Science, Physical Science, or Engineering Non-Singaporeans must have Singapore Permanent Residence before starting their studies | Full tuition fee; Monthly living allowance; Return airfare; Funding for up to 5 years |
| A*Star Computing And Information Science (ACIS) Scholarship | – Aspiring PhD students in Computer Science and related disciplines; – International students must have completed or be working on a degree from a Singapore autonomous university | Full tuition fee; Monthly living allowance of 4,550 SGD; Funding for up to 4 years |
Where To Live In Singapore?
Singapore is considered to be a bit costly when it comes to education. However, the accommodation costs depend on the region in which you plan to live. The following points might help you get a clear picture of the affordability of living in Singapore:
- The most costly rent is in the Central region. This region contains the city’s financial and retail hub, making it more expensive to rent in.
- The lowest rent is in the north and east. Expats who don’t mind travelling to work flock to these greener neighbourhoods because they are close to foreign schools.
Cost-Saving Tips to Live in Singapore
Effective financial management is crucial for maintaining a stable and secure lifestyle in Singapore. By implementing smart spending and saving strategies, you can optimise your budget and achieve your financial goals. Below are some practical tips to help you manage your expenses, save on essential services, and make the most of your investments.
1. Choose Affordable Housing Options
Housing is one of the biggest expenses in Singapore, so opting for cost-effective accommodation can significantly lower your expenses. Consider renting an HDB flat instead of a private condominium or staying in university dormitories if you are a student. Sharing an apartment with roommates can also help divide costs and make rent more manageable.
2. Use Public Transport Instead of Private Vehicles
Owning a car in Singapore is costly due to high COE (Certificate of Entitlement) prices, road taxes, and fuel costs. Instead, rely on the well-connected public transport system, including MRT and buses, which are affordable and efficient. Purchasing a monthly travel pass can further reduce expenses.
3. Eat at Hawker Centres and Cook at Home
Dining at fancy restaurants can quickly drain your budget. Instead, explore Singapore’s famous hawker centres, where you can enjoy delicious local meals at lower prices. Cooking at home also helps save money, especially when buying groceries in bulk from local wet markets or supermarkets like FairPrice and Giant.
4. Look for Student or Resident Discounts
Many places in Singapore offer discounts for students, seniors, and residents. From public transport concessions to lower entry fees for attractions, always check if a discount applies before making a purchase. Libraries, museums, and even some restaurants provide special rates for students.
5. Use Free or Low-Cost Entertainment Options
Instead of spending on expensive nightlife or luxury entertainment, explore Singapore’s many free attractions. Gardens by the Bay, East Coast Park, Marina Barrage, and hiking trails like MacRitchie Reservoir offer great outdoor experiences without costing anything. The National Library and community centres also host free workshops and events.
6. Opt for Prepaid or Budget-Friendly Mobile Plans
Mobile plans can be expensive, so compare different providers before choosing one. Prepaid plans often provide data and calls at a lower cost than traditional postpaid plans. Choosing Wi-Fi where available can also help reduce mobile data usage.
7. Buy Second-Hand Items or Rent Instead of Buying
For non-essential items like furniture, electronics, and books, consider buying second-hand from platforms like Carousell. If you need something temporarily, renting instead of buying can help save money. This is especially useful for items like textbooks or household appliances.
8. Manage Utility Usage Efficiently
Electricity and water bills can add up quickly, especially with Singapore’s warm climate requiring frequent air conditioning. To save on utilities, use energy-efficient appliances, switch off unused lights, and limit air conditioning use by opting for fans whenever possible.
Part-Time Jobs Available for Students in Singapore
For students looking to support their living expenses while studying in Singapore, part-time jobs provide an excellent opportunity to earn extra income. Many universities allow international students to work up to 16 hours per week during term time and full-time during holidays. Here are some popular part-time job options available for students in Singapore:
1. Retail Assistant
Retail stores, shopping malls, and convenience stores often hire students as sales assistants. This job involves assisting customers, handling cash registers, and managing stock. It’s a great way to develop communication and customer service skills while earning a steady income.
2. Food and Beverage (F&B) Staff
Cafés, restaurants, fast-food chains, and hawker stalls frequently employ students as waiters, baristas, or kitchen assistants. These jobs offer flexible working hours and may include additional perks like free meals.
3. Tutoring and Academic Assistance
Students with strong academic skills can work as private tutors or join tuition centres to teach subjects like mathematics, science, or languages. Many parents seek university students to tutor school children, making this a well-paying and in-demand job.
4. Administrative or Data Entry Assistant
Many companies and university offices hire students for clerical work such as data entry, filing, customer support, and handling emails. These jobs are typically desk-based, making them ideal for those who prefer an office environment.
5. Research or Teaching Assistant
For those studying in universities, assisting professors with research work or helping with teaching tasks can be a valuable experience. These jobs are not only financially beneficial but also add academic value to a student’s résumé.
6. Freelancing and Online Jobs
Students with skills in graphic design, content writing, web development, or digital marketing can take up freelance projects through platforms like Fiverr or Upwork. Online tutoring, virtual assistance, and social media management are also popular options.
7. Delivery Rider or Courier Services
Several companies hire part-time riders and drivers for food delivery services. This is a flexible job option, though it may require owning a bicycle or motorbike.
8. Event Crew and Promoters
Students can work at corporate events, exhibitions, or promotional campaigns as brand ambassadors, ushers, or event coordinators. These roles are usually short-term but offer competitive pay.
9. Library or Campus Jobs
Universities often have student job openings in libraries, administrative offices, or bookstores. These roles provide a convenient work environment with schedules that align with academic commitments.
10. Call Centre Representative
Customer service and call centres hire part-time employees to handle inquiries, process orders, and provide assistance over the phone or online. This job requires good communication skills and patience.
Conclusion
Despite the high cost of living, including rent, Singapore remains an ideal destination for accessing high-quality education. It offers a unique blend of Asian and European cultures and provides the opportunity to connect with students from diverse backgrounds who share similar aspirations.
FAQs
Q1. What is the monthly cost of living in Singapore?
The monthly cost of living in Singapore varies based on lifestyle choices and accommodation preferences. Students who opt for off-campus housing generally have expenses that include rent, utilities, food, transportation, and personal spending. While living costs can be high, careful budgeting and cost-saving strategies can help manage expenses effectively.
Q2. Is living in Singapore expensive?
Yes, Singapore is considered one of the most expensive cities in the world, as ranked by the World Cost of Living (WCOL) index and the Economic Intelligence Unit. However, the higher costs reflect the country’s exceptional infrastructure, excellent public services, and overall convenience. Students can find ways to reduce expenses by choosing affordable accommodation, using public transport, and opting for budget-friendly food options.
Q3. Is Singapore good for Indian students?
Singapore is a popular choice for Indian students due to its world-class universities, globally recognised degrees and diverse academic programs. The country offers shorter course durations, multiple admission intakes, and a safe environment. Additionally, its strong economy and international job market provide promising career opportunities after graduation.
Q4. What is the annual cost of living in Singapore for Indian students?
The annual cost of living for Indian students in Singapore depends on factors like accommodation type, daily expenses, and lifestyle choices. Students staying in off-campus housing generally need to budget for rent, food, travel, and other personal expenses. While Singapore is known for its high living costs, effective financial planning can make it a manageable study destination.
Q5. Can students work part-time while studying in Singapore?
Yes, international students in Singapore can work part-time while studying, but there are certain regulations to follow. Students enrolled in full-time degree programs at recognised institutions can work up to 16 hours per week during term time and full-time during scheduled breaks. Part-time jobs such as tutoring, retail assistance, and internships help students gain work experience and manage living expenses.
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I have done Bachelor’s in Culinary Arts from India and completed my graduation in the year 2022 .I am 22 years old. After graduation, I have done 1 year paid internship from USA .Now, I would like to take occupational experience and learn culinary skills and also do masters in Culinary arts.How can I find the college n best course / country where I can persue studying further