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

Monthly Cost of Living

A single person spends $642 per month in Khmelnytskyi vs $582 in Ternopil, rent included.

A couple spends around $947 per month in Khmelnytskyi vs $895 in Ternopil, rent included.

A family of three spends $1,253 per month in Khmelnytskyi vs $1,208 in Ternopil, rent included.

Khmelnytskyi costs about 10% more than Ternopil, driven mainly by Groceries & Markets.

Both Khmelnytskyi and Ternopil are more affordable than the global median – Khmelnytskyi 52% lower, Ternopil 57% lower.

Meal at Budget Restaurant

$4.26 ₴189

$4.86 ₴216

-12.35%

Three-Course Dinner for Two, Mid-Range

$18.44 ₴818

$19.46 ₴864

-5.24%

Fast Food Meal (McDonalds, etc)

$4.67 ₴207

$5.96 ₴265

-21.64%

Cappuccino

$0.90 ₴39.74

$0.83 ₴36.63

8.43%

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

$0.55 ₴24.41

$0.62 ₴27.37

-11.29%

Water (0.33 liter bottle)

$0.29 ₴12.86

$0.32 ₴14.30

-9.38%

Local Beer (0.5 liter draught)

$1.10 ₴49.03

$0.85 ₴37.76

29.41%

Imported Beer (0.33 liter bottle)

$1.71 ₴75.7

$1.18 ₴52.2

44.92%

Milk (1 liter)

$1.26 ₴56.0

$0.96 ₴42.59

31.25%

White Bread (500g)

$0.63 ₴27.84

$0.49 ₴21.64

28.57%

Rice (white) (1kg)

$0.96 ₴42.81

$1.29 ₴57.1

-25.58%

Eggs

$1.41 ₴62.4

$1.51 ₴66.8

-6.62%

Local Cheese (1kg)

$7.84 ₴348

$4.96 ₴220

58.06%

Chicken Fillets (1kg)

$3.86 ₴171

$3.59 ₴159

7.52%

Beef Round Steak (1kg)

$5.89 ₴261

$4.81 ₴213

22.45%

Apples (1kg)

$0.60 ₴26.41

$0.83 ₴36.73

-27.71%

Banana (1kg)

$1.14 ₴50.6

$1.47 ₴65.3

-22.45%

Oranges (1kg)

$1.82 ₴80.8

$2.15 ₴95.2

-15.35%

Tomato (1kg)

$1.06 ₴47.00

$1.69 ₴75.1

-37.28%

Potato (1kg)

$0.23 ₴10.16

$0.54 ₴24.00

-57.41%

Onion (1kg)

$0.27 ₴11.91

$0.64 ₴28.39

-57.81%

Lettuce (1 head)

$1.41 ₴62.5

$1.27 ₴56.6

11.02%

Water (1.5 liter bottle)

$0.52 ₴23.07

$0.43 ₴19.28

20.93%

Cigarettes 20 Pack (Marlboro, Camel)

$2.24 ₴99.4

$2.20 ₴97.8

1.82%

Wine (Bottle)

$6.72 ₴298

$3.46 ₴153

94.22%

Local Beer (0.5 liter bottle)

$0.74 ₴33.04

$0.84 ₴37.11

-11.90%

Imported Beer (0.33 liter bottle)

$1.01 ₴44.78

$1.19 ₴52.7

-15.13%

One-way Ticket (Public Transport)

$0.28 ₴12.38

$0.35 ₴15.50

-20.00%

Public Transport Monthly Pass (Regular Price)

$6.30 ₴279

Taxi Start (Normal Tariff)

$1.16 ₴51.6

$0.88 ₴39.08

31.82%

Taxi (Normal Tariff) (1km)

$0.28 ₴12.31

$0.23 ₴10.20

21.74%

Taxi 1hour Waiting (Normal Tariff)

$4.32 ₴192

$2.93 ₴130

47.44%

Gasoline (1 liter)

$1.33 ₴59.0

$1.29 ₴57.4

3.10%

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

$31.0K ₴1.4M

$30.1K ₴1.3M

2.96%

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

$24.5K ₴1.1M

$24.2K ₴1.1M

0.89%

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

$71.3 ₴3,165

$61.0 ₴2,705

16.98%

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

$3.63 ₴161

$5.36 ₴238

-32.28%

Internet (50+ Mbps, Unlimited Data)

$2.91 ₴129

$6.41 ₴284

-54.60%

Gym Membership (Monthly)

$17.88 ₴794

$22.26 ₴988

-19.68%

Tennis Court (1 Hour on Weekend)

$6.18 ₴274

$12.34 ₴548

-49.92%

Cinema Ticket

$3.22 ₴143

$4.46 ₴198

-27.80%

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

$197 ₴8,751

$261 ₴11.6K

-24.47%

International Primary School, 1 Child (Yearly)

$7,910 ₴351.1K

$3,457 ₴153.4K

128.85%

Jeans (Levis 501 Or Similar)

$19.24 ₴854

$41.89 ₴1,859

-54.07%

Summer Dress (H&M, Zara, etc)

$9.58 ₴425

$24.36 ₴1,081

-60.67%

Sport Shoes (Adidas, Nike)

$91.4 ₴4,057

$72.2 ₴3,204

26.65%

Men's Leather Business Shoes

$113 ₴4,994

$85.1 ₴3,776

32.24%

1-bedroom Apartment, City Center (Monthly)

$264 ₴11.7K

$256 ₴11.4K

2.86%

1-bedroom Apartment, Outside City Center (Monthly)

$216 ₴9,595

$160 ₴7,107

35.01%

3-bedroom Apartment, City Center (Monthly)

$432 ₴19.2K

$361 ₴16.0K

19.73%

3-bedroom Apartment, Outside City Center (Monthly)

$310 ₴13.8K

$289 ₴12.8K

7.10%

Buy Apartment in City Center (m2)

$759 ₴33.7K

$1,019 ₴45.2K

-25.44%

Buy Apartment Outside City Center (m2)

$607 ₴27.0K

$517 ₴22.9K

17.46%

Average Monthly Net Salary (After Tax)

$410 ₴18.2K

$491 ₴21.8K

-16.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

19.34

141.75%

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

Last update for Khmelnytskyi: May 31, 2026

Last update for Ternopil: June 1, 2026

Cost Breakdown

A central one-bedroom costs $264 in Khmelnytskyi versus $256 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 20% 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 $18.00 in Khmelnytskyi versus $19.00 in Ternopil. Groceries tell a different story – $144 in Khmelnytskyi vs $130 in Ternopil – so Ternopil wins on supermarket bills even if dining out costs more.

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: $642 in Khmelnytskyi, $582 in Ternopil – roughly 10% apart. Khmelnytskyi costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $962 per month in Khmelnytskyi and $873 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 $18.00 in Khmelnytskyi 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 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 $642 in Khmelnytskyi and $582 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.