Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Ternopil

For one person, living is cheaper in Ternopil: $690 a month against $2,698 in Austin, TX, rent and utilities included – about $24,100 less a year. Rent and utilities account for most of the difference.

129

Cost of Living Index in Austin, TX
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Austin, TX Living Index
33

Cost of Living Index in Ternopil
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Ternopil Living Index

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Austin, TX

🇺🇸 United States

$2,698

/mo nomad

Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Ternopil

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in Ternopil actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,698 in Austin, TX versus $690 in Ternopil.

Austin, TX $2,698
Ternopil $690

Estimated couple costs with rent: $4,160 in Austin, TX versus $1,143 in Ternopil.

Austin, TX $4,160
Ternopil $1,143

Monthly costs for a family of three with rent: $5,622 in Austin, TX versus $1,595 in Ternopil.

Austin, TX $5,622
Ternopil $1,595

Living in Austin, TX is roughly 291% more expensive than in Ternopil, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Austin, TX is 99% above, Ternopil is 49% below.

Meal at Budget Restaurant

$20.63 $20.63

$3.36 ₴151

513.99%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$20.07 ₴901

321.38%

Fast Food Meal (McDonalds, etc)

$12.07 $12.07

$5.45 ₴245

121.47%

Cappuccino

$5.48 $5.48

$1.22 ₴54.6

349.18%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.80 $3.80

$0.69 ₴30.83

450.72%

Water (0.33 liter bottle)

$2.47 $2.47

$0.51 ₴22.79

384.31%

Local Beer (0.5 liter draught)

$8.05 $8.05

$0.90 ₴40.56

794.44%

Imported Beer (0.33 liter bottle)

$8.88 $8.88

$1.54 ₴69.1

476.62%

Milk (1 liter)

$1.11 $1.11

$1.34 ₴60.2

-17.16%

White Bread (500g)

$3.72 $3.72

$0.72 ₴32.38

416.67%

Rice (white) (1kg)

$3.37 $3.37

$2.00 ₴89.8

68.50%

Eggs

$4.32 $4.32

$1.96 ₴87.8

120.41%

Local Cheese (1kg)

$13.13 $13.13

$7.95 ₴357

65.16%

Chicken Fillets (1kg)

$14.15 $14.15

$3.99 ₴179

254.64%

Beef Round Steak (1kg)

$16.33 $16.33

$5.93 ₴266

175.38%

Apples (1kg)

$4.55 $4.55

$0.72 ₴32.20

531.94%

Banana (1kg)

$1.46 $1.46

$1.58 ₴70.8

-7.59%

Oranges (1kg)

$4.71 $4.71

$1.43 ₴64.2

229.37%

Tomato (1kg)

$4.15 $4.15

$2.73 ₴123

52.01%

Potato (1kg)

$2.58 $2.58

$0.54 ₴24.26

377.78%

Onion (1kg)

$2.35 $2.35

$0.39 ₴17.59

502.56%

Lettuce (1 head)

$1.77 $1.77

$1.36 ₴61.3

30.15%

Water (1.5 liter bottle)

$2.14 $2.14

$0.52 ₴23.17

311.54%

Cigarettes 20 Pack (Marlboro, Camel)

$10.10 $10.10

$2.69 ₴121

275.46%

Wine (Bottle)

$15.19 $15.19

$3.25 ₴146

367.38%

Local Beer (0.5 liter bottle)

$2.82 $2.82

$0.88 ₴39.52

220.45%

Imported Beer (0.33 liter bottle)

$3.44 $3.44

$2.35 ₴106

46.38%

One-way Ticket (Public Transport)

$1.54 $1.54

$0.39 ₴17.61

294.87%

Public Transport Monthly Pass (Regular Price)

$40.99 $40.99

Taxi Start (Normal Tariff)

$2.80 $2.80

$1.42 ₴63.7

97.18%

Taxi (Normal Tariff) (1km)

$1.60 $1.60

$0.37 ₴16.82

332.43%

Taxi 1hour Waiting (Normal Tariff)

$34.34 $34.34

$4.08 ₴183

741.67%

Gasoline (1 liter)

$0.94 $0.94

$1.57 ₴70.7

-40.13%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$34.0K $34.0K

$31.5K ₴1.4M

7.84%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.8K $26.8K

$25.1K ₴1.1M

6.52%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$223 $223

$55.4 ₴2,488

301.68%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$58.9 $58.9

$4.74 ₴213

1142.62%

Internet (50+ Mbps, Unlimited Data)

$70.6 $70.6

$4.92 ₴221

1334.76%

Gym Membership (Monthly)

$57.7 $57.7

$20.69 ₴929

178.88%

Tennis Court (1 Hour on Weekend)

$16.53 $16.53

$13.84 ₴621

19.44%

Cinema Ticket

$14.26 $14.26

$3.59 ₴161

297.21%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,511 $1,511

$245 ₴11.0K

517.22%

International Primary School, 1 Child (Yearly)

$20.9K $20.9K

Jeans (Levis 501 Or Similar)

$51.3 $51.3

$49.54 ₴2,224

3.49%

Summer Dress (H&M, Zara, etc)

$44.17 $44.17

$46.86 ₴2,103

-5.74%

Sport Shoes (Adidas, Nike)

$87.0 $87.0

$98.6 ₴4,425

-11.77%

Men's Leather Business Shoes

$104 $104

$90.1 ₴4,043

15.85%

1-bedroom Apartment, City Center (Monthly)

$1,940 $1,940

$297 ₴13.3K

553.79%

1-bedroom Apartment, Outside City Center (Monthly)

$1,316 $1,316

$234 ₴10.5K

462.40%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$564 ₴25.3K

549.60%

3-bedroom Apartment, Outside City Center (Monthly)

$2,565 $2,565

$551 ₴24.7K

365.34%

Buy Apartment in City Center (m2)

$7,354 $7,354

$994 ₴44.6K

639.58%

Buy Apartment Outside City Center (m2)

$3,129 $3,129

$504 ₴22.6K

520.36%

Average Monthly Net Salary (After Tax)

$5,286 $5,286

$487 ₴21.9K

984.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

-69.14%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Austin, TX: October 19, 2026

Last update for Ternopil: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Austin, TX

$1.3K 48.8%

Ternopil

$234 33.9% 82.2% $1.1K

Groceries & Markets

Austin, TX

$406 15.1%

Ternopil

$160 23.2% 60.6% $246

Monthly Utilities & Internet

Austin, TX

$352 13.1%

Ternopil

$65 9.4% 81.5% $287

Eating Out

Austin, TX

$350 13%

Ternopil

$70 10.2% 79.9% $280

Clothing & Footwear

Austin, TX

$129 4.8%

Ternopil

$128 18.6% 0.6% $0.8

Sport & Entertainment

Austin, TX

$86 3.2%

Ternopil

$28 4% 67.7% $58

Getting Around

Austin, TX

$58 2.2%

Ternopil

$4.9 * 0.7% 91.6% $53

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,940 in Austin, TX and $297 in Ternopil. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 985% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $85.0 in Austin, TX vs $20.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $406 vs $160 per month, with Ternopil cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇺🇦 Ternopil

🕒 Local time

11:02 11:02 AM

19:02 7:02 PM

8 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

218,134

💱 Currency

United States Dollar USD $

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

1 USD = 0.89 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

UAH, EUR to USD – United States Dollar Converter

🇺🇦 Ukrainian Hryvnia (₴)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Ukrainian Hryvnia exchange rates as of October 20, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.46 UAH (100 UAH = 1.98 EUR).

UAH to USD in detail →

On the map

Lowest

Highest

Between locations

Austin, TX Ternopil 9,520 km ≈ 12 h nonstop flight

From you

Austin, TX
Ternopil

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs Ternopil: Cost of Living - Frequently Asked Questions

Ternopil wins on cost – living expenses run 291% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Ternopil the obvious pick if budget is a priority.

Average pay runs 985% higher in Austin, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,940 in Austin, TX versus $297 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,511 in Austin, TX versus $245 in Ternopil. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ternopil – a meal for two runs $20.00 versus $85.0 in Austin, TX. If you eat out regularly, this makes a real dent in your monthly spending.

At $690 in Ternopil versus $2,698 in Austin, TX, a $2,000 budget is realistic in Ternopil but tight or insufficient in Austin, TX. The gap between the two cities makes Ternopil the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Austin, TX and Ternopil are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ternopil gentler on the wallet – expenses run 291% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.