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Living in Australia with your family can be a great experience. If you plan on moving to Australia, you must know the total cost of living in Australia for Indian families. The monthly expenses in Australia will vary depending on several factors like the city you choose to live in, your lifestyle preferences, and much more. Let us take a look at the overall living expenses in Australia for an Indian family.

Monthly Cost of Living in Australia

The cost of living in Australia for Indian students or families is slightly on the higher end. Your expenses will vary depending on several factors, including:

  • House rent
  • Transportation
  • Groceries
  • Utilities
  • Health insurance

The average cost of living for a family in Australia will range between AUD 2500 and AUD 3000 every month.Sydney is by far the most expensive city to live in Australia, followed by Melbourne, Brisbane, Adelaide, and Canberra. 

Average Rent in Australia

Accommodation will depend on the type and region you choose to live in. For instance, if you are a student pursuing higher education in Australia, the cost of accommodation will depend on whether you  choose to live off campus or on campus. For an international student, monthly rent forms a major part of the average living expenses in Australia.:


Accommodation type

Rent (monthly)


AUD 450 to AUS 1000

Hall of residence

AUD 450 to AUD 1000


AUD 750 to AUD 1500

 Canberra is the most expensive state capital in the country to rent a house with a median monthly rent of around $3,120. In Sydney, the median rent per month is around $2,817. Among all the state capitals, the cheapest place to rent a house in Australia is Melbourne with a median monthly rent of around $2,037.

University Tuition Fee in Australia

Whether you have a family in Australia or you are living there as an international student, the tuition fees will vary depending on the university, location, and the program you choose. The average tuition fee for international students pursuing a bachelor’s degree ranges between AUD 20,000 and AUD 45,000 per annum. For a master’s degree, the average tuition fee is between AUD 20,000 and AUD 50,000 per annum. Tuition fees form a major part of student living expenses in Australia.

The fees for education in Australia can be pretty high –especially for international students. If you apply for scholarships, you can expect to pay a lesser amount or get the entire education sponsored which could save you ample money. The overall university tuition fees city-wise will vary depending on the college or university you choose. 


Average UG fee 

(Annually in AUD)

Average PG Fee 

(Annually in AUD)

University of Melbourne

$25,000 to $94,000

Around $50,000

Victoria University

$20,000 to $25,000

$21,400 to $27,000

University of New England 

$19,000 to $25,000

$21,000 to $26,000

Western Sydney University

$22,000 to $30,000

Around $30,000

Transportation Cost in Australia

Whether you are a family or a student in Australia, you should understand transportation costs in the country.

Type of Transportation

Costs (AUD)

One-way local transport ticket

$3 to $6

Taxi tariff 




Taxi for 1 km


Monthly pass

$100 to $200

As far as the average public transport cost in different cities of Australia is concerned, here are a few important pointers:

  • Canberra: Discounts are available with MyWay Card. In some cases, some passengers are eligible for free travel. The cost of a MyWay Adult Card for a single trip is AUD 3.14. 
  • Sydney: You can get discounts with the Opal Card. The card can be used across trains, buses, ferry, and light rail. The Adult Opal Card costs around AUD 3.5 to AUD 7 –depending on the mode of transport.
  • Melbourne: Travellers who use the SmartRider card could inquire with the bus driver whether or not they are eligible for a transport concession. The cost of the card is around AUD 2 to AUD 11 depending on the rider. As a student, you can expect some concessions. 

Average Costs of Utilities in Australia

Type of Cost

Cost (AUD)



Basic utilities including water, cooling, heating, and trash


 Here is a comparison of utility costs across different cities in Australia:

Monthly Utility Costs for 2 People











Average Cost of Living in Australia as a Family

As a family who has just migrated to Australia from India, initial days can be tough to handle -especially in terms of finances. For an Indian family of 4 members, the average costs of living in the country can be around AUD 2800 to AUD 3000 per month.

How can Niyo Global Card Help You Save Money While Living Abroad?

Studying or living abroad can be quite an expensive affair. Whether you are a student or a family , it is important to manage your overall finances while living abroad in an expensive country like Australia. If you are living in Australia and wish to analyze your monthly expenses in Australia, the Niyo Global Card can help.

 Niyo Global helps streamline the living cost in Australia for students and families by offering access to a wide range of benefits. If you wish to manage your living expenses in Australia, here are some of the perks of the Niyo Global card:

  • Zero Forex Markup* saves 3-5% on all forex transactions
  • Complimentary airport lounge access across India 
  • 6.5% Interest P.A.* on savings with monthly interest payouts 
  • Add money in INR and spend anywhere
  • Works at VISA-accepting merchants in 150+ countries
  • Integrated Niyo Global app
  • Real-time in-app Currency Converter
  • In-app ATM locator
  • Zero commission on direct mutual fund investments
  • Systematic Investment Plans (SIPs) starting at just ₹100 
  • Track Employees’ Provident Fund (EPF) balance in-app
  • 24×7 in-app live chat support no matter where you are in the world
  • Concierge services (Powered by VISA Signature)


As an Indian family or student living in Australia, managing your day-to-day expenses can be challenging. It is high time you get a reliable global card that assures maximum savings with add-on benefits. If you are looking for hands-on solutions to your financial woes while living abroad, the zero forex markup international Niyo Global debit card can effortlessly facilitate international transactions. 

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