Last update: Oct 2026

Cost of Living Comparison Between Kharkiv and Sumy

For one person, living is cheaper in Kharkiv: $722 a month against $941 in Sumy, rent and utilities included – about $2,600 less a year. Rent and utilities account for about half of the difference.

35

Cost of Living Index in Kharkiv
Learn more

Kharkiv Living Index
46

Cost of Living Index in Sumy
Learn more

Sumy Living Index

Jump to prices

Kharkiv

🇺🇦 Ukraine

$722

/mo nomad

Sumy

🇺🇦 Ukraine

$941

/mo nomad

Monthly Cost of Living

How much you'll spend in Kharkiv and in Sumy

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

A single person spends $722 per month in Kharkiv vs $941 in Sumy, rent included.

Kharkiv $722
Sumy $941

A couple spends around $1,072 per month in Kharkiv vs $1,610 in Sumy, rent included.

Kharkiv $1,072
Sumy $1,610

A family of three spends $1,421 per month in Kharkiv vs $2,279 in Sumy, rent included.

Kharkiv $1,421
Sumy $2,279

Kharkiv is about 23% cheaper than Sumy, and outside of rent the biggest gap is in eating out.

Both Kharkiv and Sumy are more affordable than the global median – Kharkiv 47% lower, Sumy 31% lower.

Meal at Budget Restaurant

$6.54 ₴298

$10.89 ₴496

-39.94%

Three-Course Dinner for Two, Mid-Range

$30.03 ₴1,367

$32.99 ₴1,502

-8.97%

Fast Food Meal (McDonalds, etc)

$4.82 ₴219

$7.49 ₴341

-35.65%

Cappuccino

$1.64 ₴74.8

$1.80 ₴81.7

-8.89%

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

$1.04 ₴47.56

$0.78 ₴35.63

33.33%

Water (0.33 liter bottle)

$0.50 ₴22.60

$0.53 ₴24.28

-5.66%

Local Beer (0.5 liter draught)

$0.96 ₴43.90

$1.33 ₴60.7

-27.82%

Imported Beer (0.33 liter bottle)

$1.67 ₴75.9

$1.94 ₴88.4

-13.92%

Milk (1 liter)

$1.09 ₴49.48

$1.27 ₴58.1

-14.17%

White Bread (500g)

$0.68 ₴31.02

$0.84 ₴38.32

-19.05%

Rice (white) (1kg)

$1.22 ₴55.6

$1.42 ₴64.8

-14.08%

Eggs

$1.65 ₴75.0

$1.95 ₴88.6

-15.38%

Local Cheese (1kg)

$8.34 ₴380

$10.13 ₴461

-17.67%

Chicken Fillets (1kg)

$4.07 ₴185

$5.29 ₴241

-23.06%

Beef Round Steak (1kg)

$7.14 ₴325

$8.46 ₴385

-15.60%

Apples (1kg)

$1.33 ₴60.4

$1.18 ₴53.7

12.71%

Banana (1kg)

$1.51 ₴68.8

$1.51 ₴68.6

Oranges (1kg)

$1.57 ₴71.4

$1.81 ₴82.3

-13.26%

Tomato (1kg)

$2.10 ₴95.8

$2.69 ₴122

-21.93%

Potato (1kg)

$0.72 ₴32.88

$0.58 ₴26.53

24.14%

Onion (1kg)

$0.54 ₴24.72

$0.44 ₴20.12

22.73%

Lettuce (1 head)

$1.20 ₴54.8

$1.48 ₴67.4

-18.92%

Water (1.5 liter bottle)

$0.60 ₴27.26

$0.59 ₴26.89

1.69%

Cigarettes 20 Pack (Marlboro, Camel)

$2.72 ₴124

$2.85 ₴130

-4.56%

Wine (Bottle)

$4.32 ₴197

$5.47 ₴249

-21.02%

Local Beer (0.5 liter bottle)

$0.83 ₴37.80

$0.85 ₴38.84

-2.35%

Imported Beer (0.33 liter bottle)

$1.19 ₴54.4

$0.96 ₴43.65

23.96%

One-way Ticket (Public Transport)

$0.32 ₴14.42

Public Transport Monthly Pass (Regular Price)

$9.23 ₴420

Taxi Start (Normal Tariff)

$1.34 ₴61.1

$2.20 ₴100

-39.09%

Taxi (Normal Tariff) (1km)

$0.32 ₴14.52

$0.46 ₴20.95

-30.43%

Taxi 1hour Waiting (Normal Tariff)

$2.13 ₴97.2

$4.20 ₴191

-49.29%

Gasoline (1 liter)

$1.80 ₴82.0

$1.57 ₴71.5

14.65%

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

$30.3K ₴1.4M

$30.6K ₴1.4M

-0.87%

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

$23.7K ₴1.1M

$24.1K ₴1.1M

-1.38%

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

$95.7 ₴4,358

$99.1 ₴4,510

-3.37%

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

$5.93 ₴270

$6.80 ₴310

-12.79%

Internet (50+ Mbps, Unlimited Data)

$6.78 ₴309

$6.53 ₴297

3.83%

Gym Membership (Monthly)

$24.11 ₴1,098

$30.27 ₴1,378

-20.35%

Tennis Court (1 Hour on Weekend)

$13.50 ₴615

$20.95 ₴954

-35.56%

Cinema Ticket

$4.62 ₴210

$3.60 ₴164

28.33%

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

$274 ₴12.5K

$229 ₴10.4K

19.42%

International Primary School, 1 Child (Yearly)

$2,659 ₴121.0K

$15.0K ₴682.6K

-82.27%

Jeans (Levis 501 Or Similar)

$55.5 ₴2,525

$71.7 ₴3,262

-22.60%

Summer Dress (H&M, Zara, etc)

$41.95 ₴1,910

$30.39 ₴1,384

38.04%

Sport Shoes (Adidas, Nike)

$87.9 ₴4,001

$94.6 ₴4,306

-7.07%

Men's Leather Business Shoes

$104 ₴4,738

$116 ₴5,264

-9.99%

1-bedroom Apartment, City Center (Monthly)

$274 ₴12.5K

$544 ₴24.8K

-49.58%

1-bedroom Apartment, Outside City Center (Monthly)

$188 ₴8,538

$303 ₴13.8K

-38.12%

3-bedroom Apartment, City Center (Monthly)

$496 ₴22.6K

$992 ₴45.2K

-50.01%

3-bedroom Apartment, Outside City Center (Monthly)

$206 ₴9,366

$822 ₴37.4K

-74.97%

Buy Apartment in City Center (m2)

$1,043 ₴47.5K

$1,081 ₴49.2K

-3.57%

Buy Apartment Outside City Center (m2)

$595 ₴27.1K

$845 ₴38.5K

-29.57%

Average Monthly Net Salary (After Tax)

$516 ₴23.5K

$378 ₴17.2K

36.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

17.89

15.9

12.52%

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

Last update for Kharkiv: October 27, 2026

Last update for Sumy: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Kharkiv

$188 26%

Sumy

$303 32.2% 61.6% $116

Groceries & Markets

Kharkiv

$159 22%

Sumy

$185 19.7% 16.6% $26

Clothing & Footwear

Kharkiv

$130 18%

Sumy

$141 14.9% 7.9% $10

Monthly Utilities & Internet

Kharkiv

$108 15%

Sumy

$112 12% 3.6% $4

Eating Out

Kharkiv

$101 14%

Sumy

$147 15.6% 45.8% $46

Sport & Entertainment

Kharkiv

$33 4.6%

Sumy

$37 4% 12.4% $4.1

Getting Around

Kharkiv

$2.9 * 0.4%

Sumy

$15 1.6% 410% $12

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

Cost Breakdown

A central one-bedroom costs $274 in Kharkiv versus $544 in Sumy. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 37% higher in Kharkiv, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $30 in Kharkiv versus $33 in Sumy. Monthly groceries follow the same trend: $159 vs $185 – making Kharkiv the more affordable choice for daily food spending.

Good to know

🇺🇦 Kharkiv

🇺🇦 Sumy

🕒 Local time

13:39 1:39 PM

Same time as Kharkiv

🌤 Weather

👥 Population

1,447,652

267,633

💱 Currency

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 UAH = 2.2 USD

100 UAH = 1.97 EUR

100 UAH = 2.2 USD

100 UAH = 1.97 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Kharkiv Sumy 140 km

From you

Kharkiv
Sumy

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

Kharkiv vs Sumy: Cost of Living - Frequently Asked Questions

Sumy costs about 30% more than Kharkiv, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,083 per month in Kharkiv and $1,411 in Sumy. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kharkiv, especially for central apartments: a one-bedroom in the center costs $274 there versus $544 in Sumy.

A mid-range dinner for two costs $30 in Kharkiv and $33 in Sumy. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 17% more in Sumy, though the gap depends on what you buy.

A $800 monthly budget goes further in Kharkiv, where all-in costs run around $722, than in Sumy at $941. In Kharkiv it covers expenses comfortably, while in Sumy it requires careful planning or may not stretch far enough.

It depends on your priorities. Kharkiv has an edge in some lifestyle areas, with costs from $722 in Kharkiv to $941 in Sumy. Climate, culture, job market, and personal taste all factor in.