Last update: Oct 2026

Cost of Living Comparison Between Khmelnytskyi and Ternopil

For one person, living is cheaper in Ternopil: $690 a month against $732 in Khmelnytskyi, rent and utilities included – about $500 less a year. The total is higher in Khmelnytskyi despite lower rent and utilities.

35

Cost of Living Index in Khmelnytskyi
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Khmelnytskyi Living Index
33

Cost of Living Index in Ternopil
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Ternopil Living Index

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Khmelnytskyi

🇺🇦 Ukraine

$732

/mo nomad

Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Monthly Cost of Living

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

A single person spends $732 per month in Khmelnytskyi vs $690 in Ternopil, rent included.

Khmelnytskyi $732
Ternopil $690

A couple spends around $962 per month in Khmelnytskyi vs $1,143 in Ternopil, rent included.

Khmelnytskyi $962
Ternopil $1,143

A family of three spends $1,191 per month in Khmelnytskyi vs $1,595 in Ternopil, rent included.

Khmelnytskyi $1,191
Ternopil $1,595

Khmelnytskyi costs about 6% more than Ternopil, and outside of rent the biggest gap is in eating out.

Both Khmelnytskyi and Ternopil are more affordable than the global median – Khmelnytskyi 46% lower, Ternopil 49% lower.

Meal at Budget Restaurant

$6.69 ₴300

$3.36 ₴151

99.11%

Three-Course Dinner for Two, Mid-Range

$23.03 ₴1,034

$20.07 ₴901

14.75%

Fast Food Meal (McDonalds, etc)

$5.28 ₴237

$5.45 ₴245

-3.12%

Cappuccino

$1.30 ₴58.3

$1.22 ₴54.6

6.56%

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

$0.65 ₴29.28

$0.69 ₴30.83

-5.80%

Water (0.33 liter bottle)

$0.35 ₴15.73

$0.51 ₴22.79

-31.37%

Local Beer (0.5 liter draught)

$1.08 ₴48.41

$0.90 ₴40.56

20.00%

Imported Beer (0.33 liter bottle)

$1.57 ₴70.5

$1.54 ₴69.1

1.95%

Milk (1 liter)

$1.24 ₴55.9

$1.34 ₴60.2

-7.46%

White Bread (500g)

$0.70 ₴31.59

$0.72 ₴32.38

-2.78%

Rice (white) (1kg)

$1.12 ₴50.5

$2.00 ₴89.8

-44.00%

Eggs

$2.11 ₴94.6

$1.96 ₴87.8

7.65%

Local Cheese (1kg)

$8.76 ₴393

$7.95 ₴357

10.19%

Chicken Fillets (1kg)

$4.65 ₴209

$3.99 ₴179

16.54%

Beef Round Steak (1kg)

$7.77 ₴349

$5.93 ₴266

31.03%

Apples (1kg)

$1.36 ₴61.2

$0.72 ₴32.20

88.89%

Banana (1kg)

$1.56 ₴69.9

$1.58 ₴70.8

-1.27%

Oranges (1kg)

$1.75 ₴78.5

$1.43 ₴64.2

22.38%

Tomato (1kg)

$2.03 ₴91.2

$2.73 ₴123

-25.64%

Potato (1kg)

$0.81 ₴36.25

$0.54 ₴24.26

50.00%

Onion (1kg)

$0.53 ₴23.70

$0.39 ₴17.59

35.90%

Lettuce (1 head)

$1.51 ₴68.0

$1.36 ₴61.3

11.03%

Water (1.5 liter bottle)

$0.57 ₴25.70

$0.52 ₴23.17

9.62%

Cigarettes 20 Pack (Marlboro, Camel)

$2.83 ₴127

$2.69 ₴121

5.20%

Wine (Bottle)

$6.46 ₴290

$3.25 ₴146

98.77%

Local Beer (0.5 liter bottle)

$0.86 ₴38.72

$0.88 ₴39.52

-2.27%

Imported Beer (0.33 liter bottle)

$1.63 ₴73.2

$2.35 ₴106

-30.64%

One-way Ticket (Public Transport)

$0.32 ₴14.17

$0.39 ₴17.61

-17.95%

Public Transport Monthly Pass (Regular Price)

$10.02 ₴450

Taxi Start (Normal Tariff)

$1.25 ₴56.0

$1.42 ₴63.7

-11.97%

Taxi (Normal Tariff) (1km)

$0.32 ₴14.32

$0.37 ₴16.82

-13.51%

Taxi 1hour Waiting (Normal Tariff)

$4.18 ₴187

$4.08 ₴183

2.45%

Gasoline (1 liter)

$1.68 ₴75.6

$1.57 ₴70.7

7.01%

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

$29.3K ₴1.3M

$31.5K ₴1.4M

-7.08%

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

$21.8K ₴979.1K

$25.1K ₴1.1M

-13.19%

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

$67.8 ₴3,042

$55.4 ₴2,488

22.26%

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

$5.96 ₴268

$4.74 ₴213

25.74%

Internet (50+ Mbps, Unlimited Data)

$6.34 ₴285

$4.92 ₴221

28.86%

Gym Membership (Monthly)

$33.15 ₴1,488

$20.69 ₴929

60.22%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

Cinema Ticket

$2.83 ₴127

$3.59 ₴161

-21.17%

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

$330 ₴14.8K

$245 ₴11.0K

34.81%

International Primary School, 1 Child (Yearly)

$7,112 ₴319.2K

Jeans (Levis 501 Or Similar)

$58.2 ₴2,611

$49.54 ₴2,224

17.42%

Summer Dress (H&M, Zara, etc)

$43.36 ₴1,947

$46.86 ₴2,103

-7.47%

Sport Shoes (Adidas, Nike)

$76.7 ₴3,444

$98.6 ₴4,425

-22.18%

Men's Leather Business Shoes

$99.0 ₴4,442

$90.1 ₴4,043

9.87%

1-bedroom Apartment, City Center (Monthly)

$338 ₴15.2K

$297 ₴13.3K

13.93%

1-bedroom Apartment, Outside City Center (Monthly)

$202 ₴9,058

$234 ₴10.5K

-13.78%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

Buy Apartment in City Center (m2)

$994 ₴44.6K

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

Average Monthly Net Salary (After Tax)

$442 ₴19.8K

$487 ₴21.9K

-9.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

14.67

-33.32%

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

Last update for Khmelnytskyi: October 18, 2026

Last update for Ternopil: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Khmelnytskyi

$202 27.6%

Ternopil

$234 33.9% 16% $32

Groceries & Markets

Khmelnytskyi

$175 24%

Ternopil

$160 23.2% 8.7% $15

Clothing & Footwear

Khmelnytskyi

$125 17%

Ternopil

$128 18.6% 2.8% $3.5

Eating Out

Khmelnytskyi

$97 13.3%

Ternopil

$70 10.2% 28% $27

Monthly Utilities & Internet

Khmelnytskyi

$80 10.9%

Ternopil

$65 9.4% 18.7% $15

Sport & Entertainment

Khmelnytskyi

$39 5.3%

Ternopil

$28 4% 28.2% $11

Getting Around

Khmelnytskyi

$14 1.9%

Ternopil

$4.9 * 0.7% 65.6% $9.3

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

Cost Breakdown

A central one-bedroom costs $338 in Khmelnytskyi 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 10% 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 $23.00 in Khmelnytskyi versus $20.00 in Ternopil. Monthly groceries follow the same trend: $175 vs $160 – making Ternopil the more affordable choice for daily food spending.

Good to know

🇺🇦 Khmelnytskyi

🇺🇦 Ternopil

🕒 Local time

10:36 10:36 AM

Same time as Khmelnytskyi

🌤 Weather

👥 Population

269,308

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

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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

Khmelnytskyi vs Ternopil: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $732 in Khmelnytskyi, $690 in Ternopil – roughly 6% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,099 per month in Khmelnytskyi 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 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 $23.00 in Khmelnytskyi and $20.00 in Ternopil. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 10% more in Khmelnytskyi, 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 $732 in Khmelnytskyi and $690 in Ternopil, leaving budget for savings and extras in both cases.

Families tend to lean toward Ternopil – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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, Khmelnytskyi makes more sense. Both are solid long-term options with distinct trade-offs.