Cost of Living Comparison Between Khmelnytskyi and Ternopil Cost of Living Comparison Between Khmelnytskyi and Ternopil

Monthly Cost of Living

A single person spends $743 per month in Khmelnytskyi vs $600 in Ternopil, rent included.

A couple spends around $988 per month in Khmelnytskyi vs $841 in Ternopil, rent included.

A family of three spends $1,233 per month in Khmelnytskyi vs $1,083 in Ternopil, rent included.

Khmelnytskyi costs about 24% more than Ternopil, driven mainly by Eating Out.

Both Khmelnytskyi and Ternopil are more affordable than the global median – Khmelnytskyi 46% lower, Ternopil 56% lower.

Meal at Budget Restaurant

$6.57 ₴294

$2.95 ₴132

122.71%

Three-Course Dinner for Two, Mid-Range

$23.94 ₴1,071

$22.62 ₴1,012

5.84%

Fast Food Meal (McDonalds, etc)

$5.19 ₴232

$5.59 ₴250

-7.16%

Cappuccino

$1.36 ₴61.0

$1.15 ₴51.6

18.26%

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

$0.71 ₴31.69

$0.69 ₴30.85

2.90%

Water (0.33 liter bottle)

$0.34 ₴15.00

$0.51 ₴22.65

-33.33%

Local Beer (0.5 liter draught)

$1.05 ₴47.15

$1.02 ₴45.54

2.94%

Imported Beer (0.33 liter bottle)

$1.67 ₴74.7

$1.49 ₴66.5

12.08%

Milk (1 liter)

$1.23 ₴54.9

$1.06 ₴47.63

16.04%

White Bread (500g)

$0.67 ₴29.88

$0.71 ₴31.82

-5.63%

Rice (white) (1kg)

$1.10 ₴48.98

$1.99 ₴88.9

-44.72%

Eggs

$2.16 ₴96.7

$1.92 ₴86.0

12.50%

Local Cheese (1kg)

$8.95 ₴400

$8.01 ₴358

11.74%

Chicken Fillets (1kg)

$4.83 ₴216

$3.95 ₴177

22.28%

Beef Round Steak (1kg)

$8.04 ₴360

$6.16 ₴276

30.52%

Apples (1kg)

$1.33 ₴59.6

$0.79 ₴35.16

68.35%

Banana (1kg)

$1.61 ₴72.2

$1.53 ₴68.4

5.23%

Oranges (1kg)

$1.67 ₴74.8

$1.47 ₴65.6

13.61%

Tomato (1kg)

$2.04 ₴91.2

$2.62 ₴117

-22.14%

Potato (1kg)

$0.78 ₴34.95

$0.55 ₴24.54

41.82%

Onion (1kg)

$0.52 ₴23.11

$0.39 ₴17.52

33.33%

Lettuce (1 head)

$1.39 ₴62.2

$1.42 ₴63.5

-2.11%

Water (1.5 liter bottle)

$0.53 ₴23.50

$0.52 ₴23.38

1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.90 ₴130

$2.74 ₴123

5.84%

Wine (Bottle)

$6.07 ₴272

$3.30 ₴147

83.94%

Local Beer (0.5 liter bottle)

$0.94 ₴41.93

$0.83 ₴37.31

13.25%

Imported Beer (0.33 liter bottle)

$1.48 ₴66.2

$2.47 ₴110

-40.08%

One-way Ticket (Public Transport)

$0.36 ₴15.89

$0.39 ₴17.51

-7.69%

Public Transport Monthly Pass (Regular Price)

$10.14 ₴454

Taxi Start (Normal Tariff)

$1.25 ₴55.9

$1.36 ₴60.9

-8.09%

Taxi (Normal Tariff) (1km)

$0.33 ₴14.62

$0.37 ₴16.63

-10.81%

Taxi 1hour Waiting (Normal Tariff)

$4.30 ₴192

$4.01 ₴179

7.23%

Gasoline (1 liter)

$1.58 ₴70.9

$1.46 ₴65.5

8.22%

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

$29.7K ₴1.3M

$29.3K ₴1.3M

1.35%

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

$22.1K ₴988.9K

$22.3K ₴999.3K

-1.04%

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

$70.1 ₴3,134

$65.8 ₴2,943

6.50%

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

$6.17 ₴276

$4.99 ₴223

23.65%

Internet (50+ Mbps, Unlimited Data)

$6.47 ₴289

$3.83 ₴171

68.93%

Gym Membership (Monthly)

$33.05 ₴1,478

$22.78 ₴1,019

45.08%

Tennis Court (1 Hour on Weekend)

$13.80 ₴617

Cinema Ticket

$2.97 ₴133

$3.58 ₴160

-17.04%

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

$335 ₴15.0K

$252 ₴11.3K

33.18%

International Primary School, 1 Child (Yearly)

$7,113 ₴318.1K

Jeans (Levis 501 Or Similar)

$60.5 ₴2,704

$50.9 ₴2,274

18.88%

Summer Dress (H&M, Zara, etc)

$44.40 ₴1,986

$48.27 ₴2,159

-8.02%

Sport Shoes (Adidas, Nike)

$78.7 ₴3,519

$101 ₴4,535

-22.42%

Men's Leather Business Shoes

$99.5 ₴4,450

$88.3 ₴3,947

12.72%

1-bedroom Apartment, City Center (Monthly)

$336 ₴15.0K

$272 ₴12.2K

23.63%

1-bedroom Apartment, Outside City Center (Monthly)

$202 ₴9,040

$136 ₴6,064

49.09%

Buy Apartment in City Center (m2)

$1,001 ₴44.8K

Buy Apartment Outside City Center (m2)

$504 ₴22.5K

Average Monthly Net Salary (After Tax)

$455 ₴20.4K

$521 ₴23.3K

-12.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.33

-39.41%

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

Last update for Khmelnytskyi: August 30, 2026

Last update for Ternopil: September 1, 2026

Cost Breakdown

A central one-bedroom costs $336 in Khmelnytskyi 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 14% 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 $24.00 in Khmelnytskyi versus $23.00 in Ternopil. Monthly groceries follow the same trend: $175 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

Khmelnytskyi vs Ternopil: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $743 in Khmelnytskyi, $600 in Ternopil – roughly 24% apart. Khmelnytskyi costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $1,115 per month in Khmelnytskyi 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 $24.00 in Khmelnytskyi 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 11% 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 $743 in Khmelnytskyi and $600 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.