Every year, thousands of international students come to the USA to study and experience a new culture. While the opportunity is exciting, the cost of living can be different from what you’re used to. It can vary depending on the city and lifestyle choices.
In this blog, we’ll discuss:
What factors influence living costs?
Simple steps to set up your budget.
Tips to save money while studying abroad.
For example, many students save by using public transportation instead of owning a car, or they choose affordable meal plans. A recent survey found that students who follow a budget report lower stress and greater savings. A smart budget helps you live comfortably and focus on what matters most—your studies and experiences.
Summary of Major Expenses for International Students in the USA
Living in the USA comes with various expenses that international students need to plan for.
Here is a summary of the major expenses:
Expense Category
Average Monthly Cost (USD)
Considerations
Accommodation
$800–$1,500 (₹66,000–₹1,23,000)
Shared housing is cheaper than private options.
Food and Groceries
$300–$500 (₹25,000–₹41,000)
Cooking at home saves money compared to eating out.
Transportation
$70–$150 (₹5,800–₹12,300)
Public transit is affordable; rideshares cost more.
Healthcare and Insurance
$120–$200 (₹9,900–₹16,400)
Health insurance covers most medical expenses.
Educational Supplies
$50–$100 (₹4,100–₹8,200)
Textbooks and stationery; buy used books if possible.
Miscellaneous Costs
$50–$150 (₹4,100–₹12,300)
Includes outings, subscriptions, and other personal expenses.
Note: The costs mentioned above may vary due to fluctuating currency exchange rates.
Cost of Accommodation in the USA for International Students
Accommodation is one of the biggest expenses for international students in the USA. In 2024, around 1.2 million international students studied in the USA, and housing remains a top concern. Rent varies widely depending on the city, type of accommodation, and whether you share with others.
Types of Accommodation
On-Campus Housing (Dormitories): Managed by universities, typically costing $1,200–$1,800 (₹99,000–₹1,48,000) per month.
Off-Campus Housing: Includes apartments, studios, and houses, costing $800–$2,500 (₹66,000–₹2,05,000) per month depending on the city.
Shared Housing: Sharing rent with friends can cost $400–$1,200 (₹33,000–₹99,000) per month, making it the most affordable option.
What Affects the Cost?
City: Bigger cities like New York and Los Angeles are more expensive than smaller cities like Houston or Raleigh.
Distance from University: Housing closer to campus is more convenient but costs more.
Space: Shared housing is cheaper than private spaces.
Cost of Accommodation in Popular US Cities
City
On-Campus Rent
Off-Campus Rent
New York
$1,200–$1,800 (₹99,000–₹1,48,000)
$1,500–$2,500 (₹1,23,000–₹2,05,000)
Los Angeles
$1,000–$1,500 (₹82,000–₹1,23,000)
$1,200–$2,000 (₹99,000–₹1,64,000)
Houston
$700–$1,200 (₹57,000–₹99,000)
$800–$1,500 (₹66,000–₹1,23,000)
Raleigh
$600–$1,000 (₹49,000–₹82,000)
$700–$1,200 (₹57,000–₹99,000)
Note: The costs mentioned above may vary due to fluctuating currency exchange rates.
Tip:
If you’re on a budget, consider shared housing or living farther from campus to reduce rent costs.
Food and Grocery Expenses for Students in the USA
Food is another essential expense, and costs vary depending on your eating habits and city. On average, international students spend $300–$500 (₹25,000–₹41,000) per month on food.
What to Expect?
Groceries: Most of your budget will go to fresh produce, grains, and snacks. Shopping at stores like Walmart, Aldi, and Costco helps save money.
Dining Out: A budget meal costs around $10–$20 (₹800–₹1,600) per meal. Eating out regularly can increase your expenses quickly.
Campus Meal Plans: Many universities offer meal plans for $200–$400 (₹16,000–₹33,000) per month.
How to Save on Food Costs?
Cook at Home: Preparing meals at home can save $100–$200 (₹8,000–₹16,000) per month.
Share Cooking: Cooking and sharing meals with roommates helps cut costs.
Buy in Bulk: Stores like Costco offer discounts on bulk purchases.
Transportation Costs for International Students in the USA
Getting around in the USA can be easy if you plan your transportation well. Different cities offer various options, and the cost depends on the mode of transport you choose.
Common Modes of Transportation
Public Transport: Includes buses, subways, and trains. Cities like New York, Chicago, and Boston have reliable and affordable public transit systems.
Ridesharing Apps: Services like Uber and Lyft are convenient but can be expensive if used regularly.
Bike Rentals: Many cities have bike-sharing programs like Citi Bike or Lime, which are budget-friendly and eco-friendly.
Monthly Average Transportation Costs
Public Transit: $70–$150 (₹5,800–₹12,300), depending on the city and type of pass.
Rideshare: Costs vary based on the number of rides and city, averaging around $200–$400 (₹16,400–₹32,800) per month.
Transportation Costs in Popular US Cities
City
Public Transit Pass Cost
Average Rideshare Cost
New York
$120 (₹9,800)
$300–$400 (₹24,600–₹32,800)
Los Angeles
$100 (₹8,200)
$250–$350 (₹20,500–₹28,700)
Houston
$75 (₹6,100)
$200–$300 (₹16,400–₹24,600)
Note: The costs mentioned above may vary due to fluctuating currency exchange rates.
Healthcare and Insurance Costs for International Students
Health insurance is mandatory for most international students in the USA. It ensures you are covered for medical emergencies, hospital visits, and routine check-ups.
Average Health Insurance Cost
Annual costs range from $500–$1,500 (₹41,000–₹1,23,000) depending on the coverage and provider.
What Does It Cover?
Hospital Visits: Admission and treatment for illnesses or injuries.
Emergency Care: Ambulance and ER services.
Routine Check-Ups: General doctor visits and preventive care.
Health Insurance Costs for Students in the US
Type of Insurance
Average Annual Cost (USD)
Coverage Details
University Plan
$500–$1,000 (₹41,000–₹82,000)
Hospital visits, emergency care, basic check-ups
Private Insurance
$1,000–$1,500 (₹82,000–₹1,23,000)
Broader coverage, including dental and vision
Note: The costs mentioned above may vary due to fluctuating currency exchange rates.
City-Wise Cost of Living in the USA: Affordable vs. Expensive Cities
Where you live in the USA greatly affects your monthly budget. Some cities, like New York and San Francisco, are expensive, while others, like Houston or Atlanta, are much more affordable.
Expensive Cities
New York: High rent, transport, and food costs make it one of the priciest cities for students.
San Francisco: Known for its expensive housing and overall living costs.
Boston: Costs are high due to its world-class universities and urban lifestyle.
Affordable Cities
Houston: Offers low rent and affordable food and transport options.
Phoenix: A budget-friendly city with moderate living expenses.
Atlanta: Great for students with lower rent and good public transport.
Monthly Living Expenses in Popular US Cities
City
Total Living Expense (Monthly)
New York
$2,000–$3,000 (₹1,64,000–₹2,46,000)
San Francisco
$2,500–$3,500 (₹2,05,000–₹2,87,000)
Boston
$2,000–$2,800 (₹1,64,000–₹2,30,000)
Houston
$1,200–$1,800 (₹98,000–₹1,48,000)
Phoenix
$1,200–$1,700 (₹98,000–₹1,39,000)
Atlanta
$1,300–$1,900 (₹1,06,000–₹1,56,000)
Note: The costs mentioned above may vary due to fluctuating currency exchange rates.
Hidden Costs International Students Should Prepare For
While you can plan for rent, food, and transport, there are some hidden costs you might not expect. Here’s what to keep in mind:
Textbooks and Educational Supplies: These can cost $500–$1,000 (₹41,000–₹82,000) per semester. Look for used books or online versions to save.
Health Emergencies: Even with insurance, you may have out-of-pocket costs for treatments or prescriptions.
International Money Transfer Fees: Sending money from India to the USA can include transfer fees of ₹500–₹2,000 per transaction. Use apps like Wise or Remitly for better rates.
Visa Renewal Charges and SEVIS Fees: These can add up to $500–$700 (₹41,000–₹57,000) if your visa needs renewal.
Tip: Set aside an emergency fund to cover these unexpected expenses. This will ensure you’re financially prepared for any surprises.
How to Create a Monthly Budget While Studying in the USA
First, list your fixed costs like rent and health insurance. Then, add variable expenses like groceries and transport. Use a budgeting app or simple tools like spreadsheets to track everything.
Identify Fixed Costs: These are predictable expenses like rent, tuition, and insurance that don’t change monthly.
Track Variable Expenses: Keep an eye on costs like groceries, transport, and entertainment, as these can vary.
Set a Savings Goal: Always save a small portion for emergencies or unexpected expenses.
Here’s an example of what a student’s monthly budget might look like:
Category
Estimated Cost (USD)
Notes
Accommodation
$800 (₹66,000)
Shared housing with roommates
Groceries
$300 (₹25,000)
Shopping at budget-friendly stores
Transportation
$70 (₹5,800)
Public transport pass
Healthcare
$120 (₹9,900)
Student health insurance
Entertainment
$50 (₹4,100)
Movies or occasional outings
Note: The costs mentioned above may vary due to fluctuating currency exchange rates.
For example, if your monthly allowance is $1,500 (₹1,23,000), you could allocate:
Variable Costs: Groceries ($300) + Transport ($70) + Entertainment ($50) = $420 (₹34,800).
This leaves you with $160 (₹13,200) for savings or unexpected expenses.
How upGrad Abroad Can Help You Study in the USA with Flexible Options
Dreaming of studying in the USA but not sure where to start? upGrad Abroad makes it easy with flexible options to fit your goals and budget.
Here’s how upGrad can help:
Accelerated Pathway Programs: Begin your studies online and finish the last year on campus in the USA. This helps save money on tuition and living costs while you transition smoothly into your new environment.
Test Prep Support: Preparing for exams like IELTS, GMAT, GRE, or SAT? We provide expert resources and guidance to help you perform your best.
University Partnerships: upGrad works with top universities in the USA, making your application process simple and streamlined. You can gain access to prestigious institutions like the University of Chicago and the University of Minnesota.
Scholarship Assistance: We guide you in finding scholarships that can make your education more affordable.
Visa Assistance: From filling out forms to preparing for your interview, we offer complete support for your visa process, making sure you’re ready for your big move.
Courses Available: Explore a wide variety of courses at leading universities:
Studying in the USA has never been easier with upGrad Abroad by your side. From flexible learning options to scholarships and application support, we make your journey smooth and exciting.
1. Is on-campus housing cheaper than off-campus in the USA?
On-campus housing is usually more convenient but not always cheaper. Costs range from $800–$1,200 (₹65,000–₹1,00,000) per month, depending on the university. Off-campus housing can be more affordable, especially if you share rent with roommates.
2. How much should I budget for monthly groceries in the USA?
Monthly grocery expenses are typically $200–$400 (₹16,000–₹33,000), depending on your eating habits and whether you cook at home. Shopping at stores like Walmart, Costco, or local farmers’ markets can help save money.
3. Are there affordable cities for international students in the USA?
Yes, cities like Houston, Atlanta, and Pittsburgh offer lower living costs compared to expensive cities like New York or San Francisco. Rent, food, and transport are generally more affordable in these cities.
4. Do students need health insurance while studying in the USA?
Yes, health insurance is mandatory for international students. University-sponsored plans cost $1,000–$2,000 (₹80,000–₹1,60,000) per year, but private options are also available.
5. How can I reduce my cost of living as a student in the USA?
Share accommodation to split rent.
Cook meals at home instead of eating out.
Use student discounts for public transport and shopping.
Shop for second-hand books and supplies.
6. Can I work part-time to cover my living expenses?
Yes, students on F-1 visas can work up to 20 hours per week on-campus during the semester. Jobs typically pay $8–$15 (₹650–₹1,250) per hour, depending on the location.
7. What financial aid options are available for international students?
University scholarships (merit-based or need-based).
External scholarships like Fulbright or AAUW.
Graduate assistantships or research fellowships.
8. Is public transportation easily accessible for students in the USA?
In cities like New York, Boston, and Chicago, public transport is reliable and student-friendly. However, in smaller cities, you may need a car or bike for commuting. Monthly transport passes cost $50–$120 (₹4,000–₹10,000) depending on the city.
9. What hidden expenses should I prepare for as an international student?
Textbooks: $500–$1,000 (₹40,000–₹80,000) per semester.
Utilities (electricity, internet): $100–$200 (₹8,000–₹16,000) per month.
Visa renewal and travel costs.
10. How does upGrad Abroad help manage living costs?
upGrad Abroad offers learning programs, allowing students to study online from home for part of their course before moving to campus. This reduces expenses like rent, food, and transport.
11. What cities offer the best balance between affordability and education quality?
Cities like Austin, Houston, and Raleigh provide top-notch education at universities like UT Austin or North Carolina State while keeping living costs reasonable.
12. Do living costs vary by the course or university in the USA?
Yes, universities in large cities like New York or Los Angeles often have higher housing and transport costs. Programs like Medicine or Engineering may also require additional lab or equipment fees.
13. What tools can help me track my monthly budget as a student?
Apps like Mint, YNAB (You Need a Budget), and Wally are great for tracking expenses and staying on budget.
We are a dedicated team of study-abroad experts, ensuring intensive research and comprehensive information in each of our blogs. With every piece written, we aim at simplifying the overseas education process for all. Our diverse experience as journalists, content writers, editors, content strategists, and marketers helps create the most relevant and authentic blogs for our readers.
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