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

Monthly Cost of Living

A single person spends $695 per month in Kharkiv vs $600 in Ternopil, rent included.

A couple spends around $1,056 per month in Kharkiv vs $841 in Ternopil, rent included.

A family of three spends $1,418 per month in Kharkiv vs $1,083 in Ternopil, rent included.

Kharkiv costs about 16% more than Ternopil, driven mainly by Eating Out.

Both Kharkiv and Ternopil are more affordable than the global median – Kharkiv 49% lower, Ternopil 56% lower.

Meal at Budget Restaurant

$6.72 ₴300

$2.95 ₴132

127.80%

Three-Course Dinner for Two, Mid-Range

$30.80 ₴1,378

$22.62 ₴1,012

36.16%

Fast Food Meal (McDonalds, etc)

$5.04 ₴225

$5.59 ₴250

-9.84%

Cappuccino

$1.55 ₴69.5

$1.15 ₴51.6

34.78%

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

$1.07 ₴47.76

$0.69 ₴30.85

55.07%

Water (0.33 liter bottle)

$0.52 ₴23.05

$0.51 ₴22.65

1.96%

Local Beer (0.5 liter draught)

$1.04 ₴46.41

$1.02 ₴45.54

1.96%

Imported Beer (0.33 liter bottle)

$1.66 ₴74.3

$1.49 ₴66.5

11.41%

Milk (1 liter)

$1.12 ₴50.3

$1.06 ₴47.63

5.66%

White Bread (500g)

$0.66 ₴29.60

$0.71 ₴31.82

-7.04%

Rice (white) (1kg)

$1.24 ₴55.7

$1.99 ₴88.9

-37.69%

Eggs

$1.68 ₴75.3

$1.92 ₴86.0

-12.50%

Local Cheese (1kg)

$8.19 ₴366

$8.01 ₴358

2.25%

Chicken Fillets (1kg)

$4.30 ₴192

$3.95 ₴177

8.86%

Beef Round Steak (1kg)

$7.22 ₴323

$6.16 ₴276

17.21%

Apples (1kg)

$1.38 ₴61.7

$0.79 ₴35.16

74.68%

Banana (1kg)

$1.53 ₴68.5

$1.53 ₴68.4

Oranges (1kg)

$1.70 ₴76.2

$1.47 ₴65.6

15.65%

Tomato (1kg)

$2.01 ₴89.9

$2.62 ₴117

-23.28%

Potato (1kg)

$0.73 ₴32.82

$0.55 ₴24.54

32.73%

Onion (1kg)

$0.51 ₴23.01

$0.39 ₴17.52

30.77%

Lettuce (1 head)

$1.22 ₴54.5

$1.42 ₴63.5

-14.08%

Water (1.5 liter bottle)

$0.57 ₴25.68

$0.52 ₴23.38

9.62%

Cigarettes 20 Pack (Marlboro, Camel)

$2.83 ₴127

$2.74 ₴123

3.28%

Wine (Bottle)

$4.60 ₴206

$3.30 ₴147

39.39%

Local Beer (0.5 liter bottle)

$0.86 ₴38.27

$0.83 ₴37.31

3.61%

Imported Beer (0.33 liter bottle)

$1.24 ₴55.7

$2.47 ₴110

-49.80%

One-way Ticket (Public Transport)

$0.39 ₴17.51

Public Transport Monthly Pass (Regular Price)

Taxi Start (Normal Tariff)

$1.33 ₴59.5

$1.36 ₴60.9

-2.21%

Taxi (Normal Tariff) (1km)

$0.35 ₴15.76

$0.37 ₴16.63

-5.41%

Taxi 1hour Waiting (Normal Tariff)

$2.30 ₴103

$4.01 ₴179

-42.64%

Gasoline (1 liter)

$1.67 ₴74.9

$1.46 ₴65.5

14.38%

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

$29.5K ₴1.3M

$29.3K ₴1.3M

0.78%

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

$22.0K ₴984.0K

$22.3K ₴999.3K

-1.54%

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

$98.6 ₴4,410

$65.8 ₴2,943

49.85%

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

$5.96 ₴267

$4.99 ₴223

19.44%

Internet (50+ Mbps, Unlimited Data)

$7.28 ₴326

$3.83 ₴171

90.08%

Gym Membership (Monthly)

$21.68 ₴970

$22.78 ₴1,019

-4.83%

Tennis Court (1 Hour on Weekend)

$15.39 ₴688

$13.80 ₴617

11.52%

Cinema Ticket

$4.77 ₴213

$3.58 ₴160

33.24%

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

$287 ₴12.8K

$252 ₴11.3K

13.97%

International Primary School, 1 Child (Yearly)

$2,842 ₴127.1K

Jeans (Levis 501 Or Similar)

$56.4 ₴2,523

$50.9 ₴2,274

10.91%

Summer Dress (H&M, Zara, etc)

$41.61 ₴1,861

$48.27 ₴2,159

-13.80%

Sport Shoes (Adidas, Nike)

$92.9 ₴4,154

$101 ₴4,535

-8.41%

Men's Leather Business Shoes

$98.2 ₴4,390

$88.3 ₴3,947

11.21%

1-bedroom Apartment, City Center (Monthly)

$247 ₴11.0K

$272 ₴12.2K

-9.15%

1-bedroom Apartment, Outside City Center (Monthly)

$144 ₴6,458

$136 ₴6,064

6.51%

3-bedroom Apartment, City Center (Monthly)

$525 ₴23.5K

3-bedroom Apartment, Outside City Center (Monthly)

$213 ₴9,525

Buy Apartment in City Center (m2)

$1,056 ₴47.2K

$1,001 ₴44.8K

5.48%

Buy Apartment Outside City Center (m2)

$584 ₴26.1K

$504 ₴22.5K

15.94%

Average Monthly Net Salary (After Tax)

$547 ₴24.5K

$521 ₴23.3K

5.00%

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: August 31, 2026

Last update for Ternopil: September 1, 2026

Cost Breakdown

A central one-bedroom costs $247 in Kharkiv versus $272 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 Kharkiv, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $31.00 in Kharkiv versus $23.00 in Ternopil. Monthly groceries follow the same trend: $161 vs $158 – 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 16% 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 $1,042 per month in Kharkiv and $900 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 $31.00 in Kharkiv and $23.00 in Ternopil. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 2% 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 $695 in Kharkiv and $600 in Ternopil, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Ternopil costs $600 versus $695 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.