Last update: Oct 2026

Cost of Living Comparison Between Kharkiv and Ternopil

For one person, living costs are similar in Kharkiv and in Ternopil: $684 and $690 a month, rent and utilities included.

33

Cost of Living Index in Kharkiv
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Kharkiv Living Index
33

Cost of Living Index in Ternopil
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Ternopil Living Index

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Kharkiv

🇺🇦 Ukraine

$684

/mo nomad

Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Monthly Cost of Living

How much you'll spend in Kharkiv 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 Kharkiv and in Ternopil actually costs, broken down by who's living it.

A single person spends $684 per month in Kharkiv vs $690 in Ternopil, rent included.

Kharkiv $684
Ternopil $690

A couple spends around $1,064 per month in Kharkiv vs $1,143 in Ternopil, rent included.

Kharkiv $1,064
Ternopil $1,143

A family of three spends $1,444 per month in Kharkiv vs $1,595 in Ternopil, rent included.

Kharkiv $1,444
Ternopil $1,595

Kharkiv is about 1% cheaper than Ternopil, and outside of rent the biggest gap is in eating out.

Both Kharkiv and Ternopil are more affordable than the global median – Kharkiv 50% lower, Ternopil 49% lower.

Meal at Budget Restaurant

$6.84 ₴307

$3.36 ₴151

103.57%

Three-Course Dinner for Two, Mid-Range

$30.84 ₴1,384

$20.07 ₴901

53.66%

Fast Food Meal (McDonalds, etc)

$4.92 ₴221

$5.45 ₴245

-9.72%

Cappuccino

$1.62 ₴72.8

$1.22 ₴54.6

32.79%

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

$1.11 ₴49.79

$0.69 ₴30.83

60.87%

Water (0.33 liter bottle)

$0.52 ₴23.30

$0.51 ₴22.79

1.96%

Local Beer (0.5 liter draught)

$0.99 ₴44.38

$0.90 ₴40.56

10.00%

Imported Beer (0.33 liter bottle)

$1.64 ₴73.6

$1.54 ₴69.1

6.49%

Milk (1 liter)

$1.09 ₴48.75

$1.34 ₴60.2

-18.66%

White Bread (500g)

$0.66 ₴29.50

$0.72 ₴32.38

-8.33%

Rice (white) (1kg)

$1.25 ₴56.0

$2.00 ₴89.8

-37.50%

Eggs

$1.74 ₴78.3

$1.96 ₴87.8

-11.22%

Local Cheese (1kg)

$8.18 ₴367

$7.95 ₴357

2.89%

Chicken Fillets (1kg)

$4.19 ₴188

$3.99 ₴179

5.01%

Beef Round Steak (1kg)

$7.29 ₴327

$5.93 ₴266

22.93%

Apples (1kg)

$1.42 ₴63.7

$0.72 ₴32.20

97.22%

Banana (1kg)

$1.56 ₴69.8

$1.58 ₴70.8

-1.27%

Oranges (1kg)

$1.60 ₴71.8

$1.43 ₴64.2

11.89%

Tomato (1kg)

$2.22 ₴99.8

$2.73 ₴123

-18.68%

Potato (1kg)

$0.70 ₴31.52

$0.54 ₴24.26

29.63%

Onion (1kg)

$0.52 ₴23.32

$0.39 ₴17.59

33.33%

Lettuce (1 head)

$1.20 ₴53.7

$1.36 ₴61.3

-11.76%

Water (1.5 liter bottle)

$0.64 ₴28.56

$0.52 ₴23.17

23.08%

Cigarettes 20 Pack (Marlboro, Camel)

$2.81 ₴126

$2.69 ₴121

4.46%

Wine (Bottle)

$4.37 ₴196

$3.25 ₴146

34.46%

Local Beer (0.5 liter bottle)

$0.84 ₴37.91

$0.88 ₴39.52

-4.55%

Imported Beer (0.33 liter bottle)

$1.22 ₴54.8

$2.35 ₴106

-48.09%

One-way Ticket (Public Transport)

$0.39 ₴17.61

Public Transport Monthly Pass (Regular Price)

Taxi Start (Normal Tariff)

$1.37 ₴61.7

$1.42 ₴63.7

-3.52%

Taxi (Normal Tariff) (1km)

$0.32 ₴14.34

$0.37 ₴16.82

-13.51%

Taxi 1hour Waiting (Normal Tariff)

$2.27 ₴102

$4.08 ₴183

-44.36%

Gasoline (1 liter)

$1.81 ₴81.2

$1.57 ₴70.7

15.29%

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

$30.0K ₴1.3M

$31.5K ₴1.4M

-4.70%

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

$24.5K ₴1.1M

$25.1K ₴1.1M

-2.44%

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

$95.4 ₴4,284

$55.4 ₴2,488

72.16%

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

$6.05 ₴271

$4.74 ₴213

27.64%

Internet (50+ Mbps, Unlimited Data)

$6.99 ₴314

$4.92 ₴221

42.07%

Gym Membership (Monthly)

$22.42 ₴1,007

$20.69 ₴929

8.36%

Tennis Court (1 Hour on Weekend)

$13.54 ₴608

$13.84 ₴621

-2.17%

Cinema Ticket

$4.64 ₴208

$3.59 ₴161

29.25%

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

$276 ₴12.4K

$245 ₴11.0K

12.95%

International Primary School, 1 Child (Yearly)

$2,661 ₴119.4K

Jeans (Levis 501 Or Similar)

$55.5 ₴2,490

$49.54 ₴2,224

11.99%

Summer Dress (H&M, Zara, etc)

$42.63 ₴1,914

$46.86 ₴2,103

-9.03%

Sport Shoes (Adidas, Nike)

$89.0 ₴3,993

$98.6 ₴4,425

-9.77%

Men's Leather Business Shoes

$106 ₴4,768

$90.1 ₴4,043

17.93%

1-bedroom Apartment, City Center (Monthly)

$245 ₴11.0K

$297 ₴13.3K

-17.39%

1-bedroom Apartment, Outside City Center (Monthly)

$143 ₴6,432

$234 ₴10.5K

-38.78%

3-bedroom Apartment, City Center (Monthly)

$511 ₴23.0K

$564 ₴25.3K

-9.36%

3-bedroom Apartment, Outside City Center (Monthly)

$211 ₴9,470

$551 ₴24.7K

-61.73%

Buy Apartment in City Center (m2)

$1,059 ₴47.5K

$994 ₴44.6K

6.52%

Buy Apartment Outside City Center (m2)

$565 ₴25.4K

$504 ₴22.6K

12.06%

Average Monthly Net Salary (After Tax)

$522 ₴23.4K

$487 ₴21.9K

7.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

17.89

-18.68%

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

Last update for Kharkiv: October 18, 2026

Last update for Ternopil: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Kharkiv

$162 23.7%

Ternopil

$160 23.2% 1% $1.6

Accommodation & Living

Kharkiv

$143 21%

Ternopil

$234 33.9% 63.3% $91

Clothing & Footwear

Kharkiv

$132 19.3%

Ternopil

$128 18.6% 2.8% $3.7

Monthly Utilities & Internet

Kharkiv

$108 15.9%

Ternopil

$65 9.4% 40% $43

Eating Out

Kharkiv

$104 15.2%

Ternopil

$70 10.2% 32.3% $33

Sport & Entertainment

Kharkiv

$32 4.6%

Ternopil

$28 4% 12.1% $3.8

Getting Around

Kharkiv

$3 * 0.4%

Ternopil

$4.9 * 0.7% 63.6% $1.9

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

Cost Breakdown

A central one-bedroom costs $245 in Kharkiv versus $297 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 7% 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 $31.00 in Kharkiv versus $20.00 in Ternopil. Monthly groceries follow the same trend: $162 vs $160 – making Ternopil the more affordable choice for daily food spending.

Good to know

🇺🇦 Kharkiv

🇺🇦 Ternopil

🕒 Local time

17:53 5:53 PM

Same time as Kharkiv

🌤 Weather

👥 Population

1,447,652

218,134

💱 Currency

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

On the map

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Between locations

Kharkiv Ternopil 760 km ≈ 1 h 30 min nonstop flight

From you

Kharkiv
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

Kharkiv vs Ternopil: Cost of Living - Frequently Asked Questions

Ternopil costs about 1% 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 $1,026 per month in Kharkiv and $1,036 in Ternopil. 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $31.00 in Kharkiv and $20.00 in Ternopil. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 1% cheaper in Ternopil – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$800 covers both cities comfortably – all-in costs are $684 in Kharkiv and $690 in Ternopil, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $684 versus $690 in Ternopil. 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 Kharkiv. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ternopil makes more sense. Both are solid long-term options with distinct trade-offs.