Australia Cost of Living 2025 for Indian Students – City‑Wise Budget & Money‑Saving Guide
If you’re planning to study in Australia in 2025, understanding the real cost of living is just as important as choosing the right university. Recent changes to Australia’s financial requirements for international students — now set at AUD $24,505 per year — mean you’ll need a clear budget before you apply. This guide goes beyond the basics, covering expenses, city‑wise differences, part‑time work, scholarships, and budgeting strategies to help you thrive.
Why Australia’s Living Costs Have Increased
The Department of Home Affairs raised the annual living cost benchmark from AUD $21,041 to AUD $24,505 effective 1 October 2023. This reflects inflation, rising rental prices in major cities, and increased utility and transport costs. While this figure is a visa requirement, actual expenses vary by lifestyle and location.
Average Monthly Expenses for Students in 2025
| Expense Category | Estimated Monthly Cost (AUD) | Notes |
|---|---|---|
| Accommodation | 800 – 1,500 | Higher in Sydney/Melbourne; lower in regional areas |
| Food & Groceries | 300 – 500 | Cooking at home can reduce costs |
| Public Transport | 100 – 200 | Student concessions available in most states |
| Utilities & Internet | 150 – 250 | Electricity, water, gas, Wi‑Fi |
| Health Insurance (OSHC) | 50 – 60 | Mandatory for visa holders |
| Personal & Leisure | 150 – 300 | Gym, entertainment, shopping |
City‑Wise Cost Variations
- Sydney & Melbourne: Highest rental costs; budget 20–30% more than average.
- Brisbane & Adelaide: More affordable housing and transport.
- Regional Cities: Lower rent, quieter lifestyle, fewer part‑time jobs.
Scholarships & Funding to Offset Costs
Many Australian universities offer scholarships for Indian students based on merit, need, or course choice. Awards can range from AUD $5,000 to full tuition coverage. Explore our Scholarships in Australia guide for eligibility and deadlines.
Part‑Time Work & Income Potential
International students can work up to 48 hours per fortnight during study periods. Common jobs include hospitality, retail, tutoring, and delivery services, with wages from AUD $22–$30/hour. See our Part‑Time Jobs in Australia guide for job search tips.
Accommodation Choices & Cost Impact
Your housing choice has the biggest impact on your budget. On‑campus housing offers convenience but can be pricier; shared rentals are cheaper but require more independence. Compare options in our Student Accommodation in Australia guide.
Seasonal & Lifestyle Cost Factors
- Heating costs in southern cities during winter.
- Festival and holiday spending (e.g., Diwali, Christmas).
- Travel costs for trips within Australia.
Quick Budget Checklist
- ☑ Secure accommodation before arrival.
- ☑ Open an Australian bank account.
- ☑ Apply for student discounts.
- ☑ Keep an emergency fund (AUD $1,000+).
FAQs on Australia Living Costs
Q: Is AUD $24,505 enough for a year in Australia?
A: It meets visa requirements, but actual costs may be higher in major cities.
Q: Which city is cheapest for students?
A: Regional cities and Adelaide generally have lower living costs.
Q: Can I cover living costs with part‑time work?
A: Part‑time work can help offset expenses, but it’s unlikely to cover all costs. Most students use it to supplement savings or family support.
Q: Do living costs vary by intake season?
A: Yes. Arriving in February (Semester 1) may mean higher rental demand, while mid‑year intakes can sometimes find cheaper housing.
Q: What’s the biggest expense for students in Australia?
A: Accommodation is typically the largest cost, followed by food and transport.
