The climate of Jammu and Kashmir varies greatly owing to its rugged topography. In the south around Jammu, the climate is typically monsoonal, though the region is sufficiently far west to average 40 to 50 mm (1.6 to 2 inches) of rain per month between January and March. In the hot season, Jammu city is very hot and can reach up to 40 °C (104 °F) whilst in July and August, very heavy though erratic rainfall occurs with monthly extremes of up to 650 millimetres (25.5 inches). In September, rainfall declines, and by October conditions are hot but extremely dry, with minimal rainfall and temperatures of around 29 °C (84 °F).

Across from the main Himalaya Range, even the southwest cloudbands break up and the climate of Ladakh and Zanskar is extremely dry and cold. Annual precipitation is only around 100 mm (4 inches) per year and humidity is very low. In this region, almost all above 3,000 metres (9,750 ft) above sea level, winters are extremely cold. In Zanskar, the average January temperature is −20 °C (−4 °F) with extremes as low as −40 °C (−40 °F). All the rivers freeze over and locals make river crossings during this period because their high levels from glacier melt in summer inhibits crossing. In summer in Ladakh and Zanskar, days are typically a warm 20°C (68 °F), but with the low humidity and thin air nights can still be cold.