Cost of Living Comparison Between Kyiv and Ternopil Cost of Living Comparison Between Kyiv and Ternopil

Monthly Cost of Living

Monthly costs for one person with rent: $975 in Kyiv versus $587 in Ternopil.

Estimated couple costs with rent: $1,507 in Kyiv versus $898 in Ternopil.

Monthly costs for a family of three with rent: $2,038 in Kyiv versus $1,208 in Ternopil.

Living in Kyiv is roughly 66% more expensive than Ternopil, driven mainly by Groceries & Markets.

Both cities sit below the global median: Kyiv 27% lower, Ternopil 56% lower.

Meal at Budget Restaurant

$8.57 ₴378

$4.94 ₴218

73.48%

Three-Course Dinner for Two, Mid-Range

$31.96 ₴1,408

$19.69 ₴868

62.32%

Fast Food Meal (McDonalds, etc)

$6.00 ₴265

$5.92 ₴261

1.35%

Cappuccino

$1.61 ₴71.1

$0.82 ₴36.12

96.34%

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

$0.63 ₴27.84

$0.62 ₴27.27

1.61%

Water (0.33 liter bottle)

$0.43 ₴18.89

$0.32 ₴14.23

34.37%

Local Beer (0.5 liter draught)

$1.11 ₴48.86

$0.89 ₴39.08

24.72%

Imported Beer (0.33 liter bottle)

$1.81 ₴79.9

$1.18 ₴51.9

53.39%

Milk (1 liter)

$1.25 ₴55.3

$0.95 ₴41.99

31.58%

White Bread (500g)

$0.77 ₴34.08

$0.51 ₴22.69

50.98%

Rice (white) (1kg)

$1.91 ₴84.2

$1.32 ₴58.3

44.70%

Eggs

$1.96 ₴86.6

$1.53 ₴67.5

28.10%

Local Cheese (1kg)

$9.66 ₴426

$4.73 ₴208

104.23%

Chicken Fillets (1kg)

$4.44 ₴196

$3.73 ₴164

19.03%

Beef Round Steak (1kg)

$7.99 ₴352

$4.72 ₴208

69.28%

Apples (1kg)

$0.97 ₴42.81

$0.83 ₴36.76

16.87%

Banana (1kg)

$1.57 ₴69.2

$1.47 ₴64.7

6.80%

Oranges (1kg)

$1.83 ₴80.7

$2.07 ₴91.3

-11.59%

Tomato (1kg)

$2.27 ₴100.0

$1.77 ₴77.9

28.25%

Potato (1kg)

$0.80 ₴35.36

$0.53 ₴23.57

50.94%

Onion (1kg)

$0.55 ₴24.35

$0.64 ₴28.10

-14.06%

Lettuce (1 head)

$1.43 ₴63.0

$1.29 ₴56.9

10.85%

Water (1.5 liter bottle)

$0.59 ₴25.91

$0.44 ₴19.32

34.09%

Cigarettes 20 Pack (Marlboro, Camel)

$2.88 ₴127

$2.21 ₴97.5

30.32%

Wine (Bottle)

$5.79 ₴255

$3.35 ₴148

72.84%

Local Beer (0.5 liter bottle)

$0.83 ₴36.64

$0.83 ₴36.49

Imported Beer (0.33 liter bottle)

$1.54 ₴67.7

$1.23 ₴54.2

25.20%

One-way Ticket (Public Transport)

$0.19 ₴8.42

$0.34 ₴15.18

-44.12%

Public Transport Monthly Pass (Regular Price)

$9.83 ₴433

Taxi Start (Normal Tariff)

$2.07 ₴91.2

$0.88 ₴38.65

135.23%

Taxi (Normal Tariff) (1km)

$0.35 ₴15.32

$0.23 ₴10.12

52.17%

Taxi 1hour Waiting (Normal Tariff)

$4.27 ₴188

$2.86 ₴126

49.30%

Gasoline (1 liter)

$1.39 ₴61.2

$1.32 ₴58.0

5.30%

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

$31.8K ₴1.4M

$30.9K ₴1.4M

2.99%

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

$25.0K ₴1.1M

$24.5K ₴1.1M

2.12%

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

$111 ₴4,885

$60.2 ₴2,654

84.04%

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

$5.81 ₴256

$5.44 ₴240

6.80%

Internet (50+ Mbps, Unlimited Data)

$7.11 ₴313

$6.55 ₴289

8.55%

Gym Membership (Monthly)

$37.90 ₴1,670

$22.44 ₴989

68.89%

Tennis Court (1 Hour on Weekend)

$16.29 ₴718

$12.37 ₴545

31.69%

Cinema Ticket

$4.70 ₴207

$4.31 ₴190

9.05%

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

$386 ₴17.0K

$266 ₴11.7K

45.19%

International Primary School, 1 Child (Yearly)

$7,702 ₴339.4K

$3,420 ₴150.7K

125.20%

Jeans (Levis 501 Or Similar)

$68.3 ₴3,008

$41.24 ₴1,818

65.52%

Summer Dress (H&M, Zara, etc)

$35.66 ₴1,571

$24.29 ₴1,070

46.81%

Sport Shoes (Adidas, Nike)

$101 ₴4,466

$73.3 ₴3,232

38.16%

Men's Leather Business Shoes

$115 ₴5,061

$84.5 ₴3,724

35.89%

1-bedroom Apartment, City Center (Monthly)

$598 ₴26.3K

$256 ₴11.3K

133.47%

1-bedroom Apartment, Outside City Center (Monthly)

$349 ₴15.4K

$163 ₴7,197

113.47%

3-bedroom Apartment, City Center (Monthly)

$1,300 ₴57.3K

$362 ₴16.0K

258.99%

3-bedroom Apartment, Outside City Center (Monthly)

$621 ₴27.4K

$287 ₴12.7K

116.28%

Buy Apartment in City Center (m2)

$2,691 ₴118.6K

$1,005 ₴44.3K

167.77%

Buy Apartment Outside City Center (m2)

$1,097 ₴48.3K

$514 ₴22.7K

113.22%

Average Monthly Net Salary (After Tax)

$738 ₴32.5K

$504 ₴22.2K

46.48%

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 Kyiv: April 26, 2026

Last update for Ternopil: April 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $598 in Kyiv and $256 in Ternopil. Housing cost is often the main lever when comparing two cities.

Kyiv pays 46% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $32.00 in Kyiv vs $20.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $179 vs $130 per month, with Ternopil cheaper across the board.

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

Kyiv vs Ternopil: Cost of Living - Frequently Asked Questions

Ternopil is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Getting Around. The 66% gap adds up to real monthly savings that compound significantly over time.

Kyiv pays 46% more on average, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $598 in Kyiv versus $256 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $386 in Kyiv versus $266 in Ternopil. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ternopil – a meal for two runs $20.00 versus $32.00 in Kyiv. If you eat out regularly, this makes a real dent in your monthly spending.

At $587 in Ternopil versus $975 in Kyiv, a $2,000 budget is realistic in Ternopil but tight or insufficient in Kyiv. The gap between the two cities makes Ternopil the clear choice for anyone on this budget.

For families, Ternopil is more practical. Housing and childcare are both notably cheaper than in Kyiv, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kyiv and Ternopil are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ternopil gentler on the wallet – expenses run 66% less than in Kyiv. Beyond cost, consider language, visa policies, and how big the international community is in each city.