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

Monthly Cost of Living

A single person spends $688 per month in Kharkiv vs $574 in Ternopil, rent included.

A couple spends around $1,065 per month in Kharkiv vs $911 in Ternopil, rent included.

A family of three spends $1,443 per month in Kharkiv vs $1,248 in Ternopil, rent included.

Kharkiv costs about 20% more than Ternopil, driven mainly by Eating Out.

Both Kharkiv and Ternopil are more affordable than the global median – Kharkiv 49% lower, Ternopil 57% lower.

Meal at Budget Restaurant

$7.27 ₴325

$4.96 ₴222

46.57%

Three-Course Dinner for Two, Mid-Range

$27.31 ₴1,222

$19.36 ₴866

41.06%

Fast Food Meal (McDonalds, etc)

$6.20 ₴277

$5.88 ₴263

5.44%

Cappuccino

$1.29 ₴57.9

$0.87 ₴38.85

48.28%

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

$0.66 ₴29.58

$0.61 ₴27.43

8.20%

Water (0.33 liter bottle)

$0.41 ₴18.33

$0.30 ₴13.22

36.67%

Local Beer (0.5 liter draught)

$1.03 ₴45.97

$0.86 ₴38.33

19.77%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.0

$1.20 ₴53.6

28.33%

Milk (1 liter)

$1.10 ₴49.44

$1.01 ₴45.04

8.91%

White Bread (500g)

$0.62 ₴27.74

$0.48 ₴21.42

29.17%

Rice (white) (1kg)

$1.27 ₴56.8

$1.28 ₴57.1

-0.78%

Eggs

$1.61 ₴71.8

$1.49 ₴66.7

8.05%

Local Cheese (1kg)

$7.92 ₴354

$4.76 ₴213

66.39%

Chicken Fillets (1kg)

$4.05 ₴181

$3.78 ₴169

7.14%

Beef Round Steak (1kg)

$6.65 ₴297

$4.80 ₴215

38.54%

Apples (1kg)

$0.90 ₴40.09

$0.88 ₴39.46

2.27%

Banana (1kg)

$1.70 ₴75.9

$1.54 ₴68.9

10.39%

Oranges (1kg)

$1.89 ₴84.8

$2.15 ₴96.3

-12.09%

Tomato (1kg)

$2.19 ₴98.0

$1.70 ₴76.1

28.82%

Potato (1kg)

$0.66 ₴29.35

$0.58 ₴25.94

13.79%

Onion (1kg)

$0.52 ₴23.42

$0.62 ₴27.64

-16.13%

Lettuce (1 head)

$0.98 ₴44.02

$1.24 ₴55.7

-20.97%

Water (1.5 liter bottle)

$0.59 ₴26.26

$0.41 ₴18.28

43.90%

Cigarettes 20 Pack (Marlboro, Camel)

$2.62 ₴117

$2.15 ₴96.2

21.86%

Wine (Bottle)

$4.34 ₴194

$3.31 ₴148

31.12%

Local Beer (0.5 liter bottle)

$0.81 ₴36.37

$0.89 ₴39.72

-8.99%

Imported Beer (0.33 liter bottle)

$1.27 ₴57.0

$1.23 ₴55.1

3.25%

One-way Ticket (Public Transport)

$0.34 ₴15.40

$0.37 ₴16.74

-8.11%

Taxi Start (Normal Tariff)

$1.48 ₴66.4

$0.81 ₴36.47

82.72%

Taxi (Normal Tariff) (1km)

$0.25 ₴11.20

$0.23 ₴10.24

8.70%

Taxi 1hour Waiting (Normal Tariff)

$2.88 ₴129

$2.86 ₴128

0.70%

Gasoline (1 liter)

$1.32 ₴59.3

$1.35 ₴60.3

-2.22%

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

$26.7K ₴1.2M

$30.4K ₴1.4M

-12.36%

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

$23.6K ₴1.1M

$24.9K ₴1.1M

-5.18%

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

$112 ₴4,989

$60.4 ₴2,704

84.57%

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

$5.33 ₴238

$5.43 ₴243

-1.84%

Internet (50+ Mbps, Unlimited Data)

$6.16 ₴275

$6.28 ₴281

-1.91%

Gym Membership (Monthly)

$24.73 ₴1,107

$22.67 ₴1,015

9.09%

Tennis Court (1 Hour on Weekend)

$15.74 ₴704

$12.38 ₴554

27.14%

Cinema Ticket

$4.87 ₴218

$4.33 ₴194

12.47%

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

$358 ₴16.0K

$269 ₴12.0K

33.25%

International Primary School, 1 Child (Yearly)

$3,238 ₴144.9K

$3,456 ₴154.7K

-6.33%

Jeans (Levis 501 Or Similar)

$57.9 ₴2,590

$42.71 ₴1,911

35.50%

Summer Dress (H&M, Zara, etc)

$40.63 ₴1,818

$24.58 ₴1,100

65.30%

Sport Shoes (Adidas, Nike)

$83.2 ₴3,722

$73.5 ₴3,291

13.11%

Men's Leather Business Shoes

$103 ₴4,619

$85.0 ₴3,802

21.48%

1-bedroom Apartment, City Center (Monthly)

$181 ₴8,096

$261 ₴11.7K

-30.72%

1-bedroom Apartment, Outside City Center (Monthly)

$130 ₴5,818

$158 ₴7,088

-17.92%

3-bedroom Apartment, City Center (Monthly)

$356 ₴15.9K

$358 ₴16.0K

-0.64%

3-bedroom Apartment, Outside City Center (Monthly)

$241 ₴10.8K

$286 ₴12.8K

-15.68%

Buy Apartment in City Center (m2)

$1,073 ₴48.0K

$1,009 ₴45.1K

6.36%

Buy Apartment Outside City Center (m2)

$572 ₴25.6K

$499 ₴22.3K

14.60%

Average Monthly Net Salary (After Tax)

$517 ₴23.2K

$481 ₴21.5K

7.61%

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: July 21, 2026

Last update for Ternopil: July 20, 2026

Cost Breakdown

A central one-bedroom costs $181 in Kharkiv versus $261 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 8% 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 $27.00 in Kharkiv versus $19.00 in Ternopil. Monthly groceries follow the same trend: $155 vs $131 – 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 20% 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 $1,031 per month in Kharkiv and $860 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 19% 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 $688 in Kharkiv and $574 in Ternopil, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Ternopil costs $574 versus $688 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.