Cost of Living Comparison Between Kharkiv and Ternopil Cost of Living Comparison Between Kharkiv and Ternopil

Monthly Cost of Living

A single person spends $683 per month in Kharkiv vs $566 in Ternopil, rent included.

A couple spends around $1,081 per month in Kharkiv vs $908 in Ternopil, rent included.

A family of three spends $1,480 per month in Kharkiv vs $1,251 in Ternopil, rent included.

Kharkiv costs about 21% more than Ternopil, driven mainly by Eating Out.

Both Kharkiv and Ternopil are more affordable than the global median – Kharkiv 49% lower, Ternopil 58% lower.

Meal at Budget Restaurant

$7.41 ₴326

$4.88 ₴214

51.84%

Three-Course Dinner for Two, Mid-Range

$26.89 ₴1,182

$19.02 ₴836

41.38%

Fast Food Meal (McDonalds, etc)

$6.09 ₴268

$5.67 ₴249

7.41%

Cappuccino

$1.35 ₴59.2

$0.81 ₴35.82

66.67%

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

$0.65 ₴28.66

$0.61 ₴27.02

6.56%

Water (0.33 liter bottle)

$0.44 ₴19.28

$0.32 ₴14.16

37.50%

Local Beer (0.5 liter draught)

$1.03 ₴45.19

$0.84 ₴37.08

22.62%

Imported Beer (0.33 liter bottle)

$1.52 ₴67.0

$1.19 ₴52.3

27.73%

Milk (1 liter)

$1.06 ₴46.65

$1.03 ₴45.14

2.91%

White Bread (500g)

$0.57 ₴25.08

$0.51 ₴22.51

11.76%

Rice (white) (1kg)

$1.23 ₴54.0

$1.28 ₴56.3

-3.91%

Eggs

$1.61 ₴70.8

$1.50 ₴66.1

7.33%

Local Cheese (1kg)

$8.24 ₴362

$4.97 ₴218

65.79%

Chicken Fillets (1kg)

$4.05 ₴178

$3.67 ₴161

10.35%

Beef Round Steak (1kg)

$6.34 ₴279

$4.96 ₴218

27.82%

Apples (1kg)

$0.84 ₴37.07

$0.83 ₴36.41

1.20%

Banana (1kg)

$1.62 ₴71.4

$1.53 ₴67.1

5.88%

Oranges (1kg)

$1.93 ₴85.1

$2.11 ₴92.9

-8.53%

Tomato (1kg)

$2.15 ₴94.5

$1.74 ₴76.3

23.56%

Potato (1kg)

$0.63 ₴27.51

$0.54 ₴23.82

16.67%

Onion (1kg)

$0.56 ₴24.48

$0.66 ₴29.06

-15.15%

Lettuce (1 head)

$0.98 ₴43.25

$1.24 ₴54.6

-20.97%

Water (1.5 liter bottle)

$0.55 ₴24.11

$0.44 ₴19.29

25.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.48 ₴109

$2.15 ₴94.3

15.35%

Wine (Bottle)

$4.63 ₴203

$3.42 ₴151

35.38%

Local Beer (0.5 liter bottle)

$0.81 ₴35.39

$0.83 ₴36.67

-2.41%

Imported Beer (0.33 liter bottle)

$1.27 ₴55.8

$1.25 ₴54.8

1.60%

One-way Ticket (Public Transport)

$0.37 ₴16.36

$0.38 ₴16.55

-2.63%

Taxi Start (Normal Tariff)

$1.48 ₴65.3

$0.87 ₴38.20

70.11%

Taxi (Normal Tariff) (1km)

$0.25 ₴11.00

$0.23 ₴10.10

8.70%

Taxi 1hour Waiting (Normal Tariff)

$2.88 ₴127

$2.83 ₴124

1.77%

Gasoline (1 liter)

$1.39 ₴61.3

$1.29 ₴56.9

7.75%

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

$27.1K ₴1.2M

$30.6K ₴1.3M

-11.46%

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

$24.1K ₴1.1M

$24.3K ₴1.1M

-0.97%

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

$112 ₴4,944

$61.8 ₴2,715

82.11%

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

$5.41 ₴238

$5.32 ₴234

1.69%

Internet (50+ Mbps, Unlimited Data)

$6.28 ₴276

$6.41 ₴282

-2.03%

Gym Membership (Monthly)

$25.24 ₴1,110

$22.37 ₴983

12.83%

Tennis Court (1 Hour on Weekend)

$15.49 ₴681

$12.66 ₴557

22.35%

Cinema Ticket

$4.82 ₴212

$4.33 ₴190

11.32%

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

$351 ₴15.4K

$269 ₴11.8K

30.55%

International Primary School, 1 Child (Yearly)

$3,239 ₴142.4K

$3,415 ₴150.1K

-5.15%

Jeans (Levis 501 Or Similar)

$56.6 ₴2,486

$41.67 ₴1,832

35.71%

Summer Dress (H&M, Zara, etc)

$40.88 ₴1,797

$23.80 ₴1,046

71.76%

Sport Shoes (Adidas, Nike)

$82.3 ₴3,620

$73.7 ₴3,242

11.66%

Men's Leather Business Shoes

$104 ₴4,551

$85.4 ₴3,753

21.26%

1-bedroom Apartment, City Center (Monthly)

$186 ₴8,171

$263 ₴11.6K

-29.32%

1-bedroom Apartment, Outside City Center (Monthly)

$130 ₴5,721

$161 ₴7,067

-19.06%

3-bedroom Apartment, City Center (Monthly)

$360 ₴15.8K

$364 ₴16.0K

-1.14%

3-bedroom Apartment, Outside City Center (Monthly)

$245 ₴10.8K

$295 ₴13.0K

-16.96%

Buy Apartment in City Center (m2)

$1,057 ₴46.5K

$1,011 ₴44.5K

4.57%

Buy Apartment Outside City Center (m2)

$587 ₴25.8K

$502 ₴22.1K

16.90%

Average Monthly Net Salary (After Tax)

$463 ₴20.4K

$488 ₴21.5K

-5.18%

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: April 20, 2026

Last update for Ternopil: April 19, 2026

Cost Breakdown

A central one-bedroom costs $186 in Kharkiv versus $263 in Ternopil. 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 5% higher in Ternopil, 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 $27 in Kharkiv versus $19 in Ternopil. Monthly groceries follow the same trend: $153 vs $132 – making Ternopil the more affordable choice for daily food spending.

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 Ternopil: Cost of Living - Frequently Asked Questions

Kharkiv costs about 21% more than Ternopil, with the gap driven mainly by 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 $1,024 per month in Kharkiv and $849 in Ternopil. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ternopil, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $27.00 in Kharkiv and $19.00 in Ternopil. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 16% more in Kharkiv, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$1,200 covers both cities comfortably – all-in costs are $683 in Kharkiv and $566 in Ternopil, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Ternopil costs $566 versus $683 in Kharkiv. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ternopil. If higher salaries, better infrastructure, or specific career opportunities are the priority, Kharkiv makes more sense. Both are solid long-term options with distinct trade-offs.