Cost of Living: Cardiff vs Swindon

Monthly Cost Comparison — Cardiff vs Swindon (2026)

Category	Cardiff	Swindon
Accommodation (3BR outside ÷ 3)	₹51,310	₹53,614
Food	₹37,697	₹37,697
Utilities	₹30,400	₹24,881
Transport	₹0	₹0
Total / month	₹1,19,407	₹1,16,192
Total / year	₹14,32,887	₹13,94,305

Note: Budget preset: shared 3BR outside city centre ÷ 3 people, 5 meals/week, basic utilities. Comfortable preset: 1BR city centre, daily restaurant meals, full utilities, gym.

Which City is Cheaper for Indian Students?

Swindon is 3% cheaper than Cardiff per month — saving approximately ₹3,215 every month or ₹38,580 annually on a budget lifestyle.

Cardiff ₹1,19,407

Swindon ₹1,16,192

Cost of Living in Cardiff vs India

Accommodation Type	Cardiff	India (metro avg)
1BR, city centre (full cost)	₹1,24,207	₹35,000
1BR, outside centre (full cost)	₹1,01,311	₹25,000
3BR, city centre ÷ 3 people	₹78,087	₹21,000
3BR, outside centre ÷ 3 people	₹51,310	₹15,000

Note: 3BR costs shown per person ÷ 3 occupants by default. Use the calculator to adjust the split.

Explore Each City in Detail

Full Cardiff Breakdown

Moderate

From

₹119,407/mo

View full breakdown

Full Swindon Breakdown

Moderate

From

₹116,192/mo

View full breakdown

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FAQ's

Is Cardiff or Swindon cheaper for students?

Swindon is 3% cheaper than Cardiff per month — saving approximately ₹3,215 every month or ₹38,580 annually on a budget lifestyle.

How much more expensive is Cardiff vs Swindon?

Check the monthly comparison table and the savings block for the latest difference per month and per year in INR.

Which city is better for Indian students — Cardiff or Swindon?

That depends on your university shortlist, rent tolerance, and funding plan. This page is designed to make the living-cost tradeoff obvious.

Do these comparison totals include tuition fees for Cardiff or Swindon?

No. The compare page covers recurring living costs only, so tuition and one-time destination expenses still need to be added separately.

What education loan do I need after using this comparison?

Use the cheaper-vs-costlier view here as your living-cost input, then combine it with tuition to estimate the total funding requirement before checking loan eligibility.

These figures are planning estimates and can vary by lifestyle, location within city, and market conditions.