Cost of Living Comparison Between Kharkiv and Bila Tserkva Cost of Living Comparison Between Kharkiv and Bila Tserkva

Monthly Cost of Living

Monthly costs for one person with rent: $690 in Kharkiv versus $540 in Bila Tserkva.

Estimated couple costs with rent: $1,079 in Kharkiv versus $829 in Bila Tserkva.

Monthly costs for a family of three with rent: $1,468 in Kharkiv versus $1,119 in Bila Tserkva.

Living in Kharkiv is roughly 28% more expensive than Bila Tserkva, driven mainly by Eating Out.

Both cities sit below the global median: Kharkiv 49% lower, Bila Tserkva 60% lower.

Meal at Budget Restaurant

$7.45 ₴335

$4.74 ₴213

57.17%

Three-Course Dinner for Two, Mid-Range

$27.08 ₴1,217

$29.41 ₴1,321

-7.92%

Fast Food Meal (McDonalds, etc)

$5.89 ₴265

$5.22 ₴235

12.84%

Cappuccino

$1.32 ₴59.3

$0.95 ₴42.73

38.95%

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

$0.61 ₴27.55

$0.54 ₴24.16

12.96%

Water (0.33 liter bottle)

$0.40 ₴17.93

$0.32 ₴14.59

25.00%

Local Beer (0.5 liter draught)

$0.98 ₴44.06

$0.60 ₴27.00

63.33%

Imported Beer (0.33 liter bottle)

$1.55 ₴69.8

$0.85 ₴38.06

82.35%

Milk (1 liter)

$1.09 ₴49.18

$0.99 ₴44.53

10.10%

White Bread (500g)

$0.58 ₴25.92

$0.60 ₴26.76

-3.33%

Rice (white) (1kg)

$1.23 ₴55.4

$1.19 ₴53.3

3.36%

Eggs

$1.57 ₴70.7

$1.20 ₴54.1

30.83%

Local Cheese (1kg)

$8.24 ₴370

$7.82 ₴351

5.37%

Chicken Fillets (1kg)

$4.04 ₴181

$3.73 ₴168

8.31%

Beef Round Steak (1kg)

$6.67 ₴300

$4.22 ₴190

58.06%

Apples (1kg)

$0.89 ₴40.04

$0.76 ₴34.22

17.11%

Banana (1kg)

$1.69 ₴76.0

$1.30 ₴58.3

30.00%

Oranges (1kg)

$1.90 ₴85.6

$1.22 ₴54.9

55.74%

Tomato (1kg)

$2.16 ₴97.1

$1.32 ₴59.3

63.64%

Potato (1kg)

$0.66 ₴29.87

$0.39 ₴17.72

69.23%

Onion (1kg)

$0.55 ₴24.85

$0.50 ₴22.63

10.00%

Lettuce (1 head)

$0.99 ₴44.30

$0.57 ₴25.63

73.68%

Water (1.5 liter bottle)

$0.58 ₴26.24

$0.47 ₴21.15

23.40%

Cigarettes 20 Pack (Marlboro, Camel)

$2.58 ₴116

$2.27 ₴102

13.66%

Wine (Bottle)

$4.56 ₴205

$3.26 ₴147

39.88%

Local Beer (0.5 liter bottle)

$0.76 ₴34.31

$0.65 ₴29.21

16.92%

Imported Beer (0.33 liter bottle)

$1.31 ₴59.0

$0.88 ₴39.68

48.86%

One-way Ticket (Public Transport)

$0.34 ₴15.42

$0.23 ₴10.31

47.83%

Taxi Start (Normal Tariff)

$1.41 ₴63.5

$1.79 ₴80.6

-21.23%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.25

$0.30 ₴13.62

-23.33%

Taxi 1hour Waiting (Normal Tariff)

$2.82 ₴127

$2.83 ₴127

-0.35%

Gasoline (1 liter)

$1.35 ₴60.5

$1.34 ₴60.2

0.75%

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

$26.6K ₴1.2M

$31.3K ₴1.4M

-14.89%

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

$23.6K ₴1.1M

$24.1K ₴1.1M

-1.97%

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

$114 ₴5,121

$56.1 ₴2,519

103.30%

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

$5.49 ₴247

$5.48 ₴246

0.18%

Internet (50+ Mbps, Unlimited Data)

$6.04 ₴271

$3.72 ₴167

62.37%

Gym Membership (Monthly)

$24.78 ₴1,113

$24.87 ₴1,117

-0.36%

Tennis Court (1 Hour on Weekend)

$15.50 ₴696

$9.86 ₴443

57.20%

Cinema Ticket

$4.90 ₴220

$3.46 ₴155

41.62%

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

$353 ₴15.9K

$293 ₴13.2K

20.59%

International Primary School, 1 Child (Yearly)

$3,242 ₴145.7K

$3,426 ₴153.9K

-5.36%

Jeans (Levis 501 Or Similar)

$56.5 ₴2,537

$42.19 ₴1,895

33.87%

Summer Dress (H&M, Zara, etc)

$41.17 ₴1,850

$12.12 ₴544

239.69%

Sport Shoes (Adidas, Nike)

$84.2 ₴3,782

$77.7 ₴3,492

8.30%

Men's Leather Business Shoes

$101 ₴4,523

$84.5 ₴3,794

19.20%

1-bedroom Apartment, City Center (Monthly)

$186 ₴8,356

$158 ₴7,080

18.02%

1-bedroom Apartment, Outside City Center (Monthly)

$132 ₴5,908

$131 ₴5,863

0.77%

3-bedroom Apartment, City Center (Monthly)

$367 ₴16.5K

$204 ₴9,150

79.97%

3-bedroom Apartment, Outside City Center (Monthly)

$244 ₴11.0K

$158 ₴7,093

54.52%

Buy Apartment in City Center (m2)

$1,058 ₴47.5K

$1,141 ₴51.3K

-7.28%

Buy Apartment Outside City Center (m2)

$602 ₴27.0K

$749 ₴33.7K

-19.64%

Average Monthly Net Salary (After Tax)

$503 ₴22.6K

$444 ₴19.9K

13.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

112.50%

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

Last update for Kharkiv: June 9, 2026

Last update for Bila Tserkva: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $186 in Kharkiv and $158 in Bila Tserkva. Housing cost is often the main lever when comparing two cities.

Kharkiv pays 13% 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: $27.00 in Kharkiv vs $29.00 in Bila Tserkva. Groceries flip the comparison at $155 vs $125, with Bila Tserkva cheaper for home cooking.

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

Kharkiv vs Bila Tserkva: Cost of Living - Frequently Asked Questions

Kharkiv and Bila Tserkva differ by about 28% in total monthly costs ($690 vs $540 including rent). Bila Tserkva is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Kharkiv pays 13% more on average, 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: $186 in Kharkiv versus $158 in Bila Tserkva. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 24% higher in Kharkiv. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $690 per month in Kharkiv versus $540 in Bila Tserkva – a 28% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Bila Tserkva gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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, Kharkiv and Bila Tserkva 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 Bila Tserkva gentler on the wallet – expenses run 28% less than in Kharkiv. Beyond cost, consider language, visa policies, and how big the international community is in each city.