Last update: Oct 2026

Cost of Living Comparison Between Kyiv and Ternopil

For one person, living is cheaper in Ternopil: $716 a month against $996 in Kyiv, rent and utilities included – about $3,400 less a year. Rent and utilities account for about half of the difference.

48

Cost of Living Index in Kyiv
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Kyiv Living Index
34

Cost of Living Index in Ternopil
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Ternopil Living Index

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Kyiv

🇺🇦 Ukraine

$996

/mo nomad

Ternopil

🇺🇦 Ukraine

$716

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $996 in Kyiv versus $716 in Ternopil.

Kyiv $996
Ternopil $716

Estimated couple costs with rent: $1,575 in Kyiv versus $1,173 in Ternopil.

Kyiv $1,575
Ternopil $1,173

Monthly costs for a family of three with rent: $2,153 in Kyiv versus $1,630 in Ternopil.

Kyiv $2,153
Ternopil $1,630

Living in Kyiv is roughly 39% more expensive than in Ternopil, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Kyiv 27% lower, Ternopil 47% lower.

Meal at Budget Restaurant

$10.78 ₴492

$3.86 ₴176

179.27%

Three-Course Dinner for Two, Mid-Range

$32.91 ₴1,501

$19.37 ₴883

69.90%

Fast Food Meal (McDonalds, etc)

$7.54 ₴344

$6.02 ₴275

25.25%

Cappuccino

$1.81 ₴82.4

$1.23 ₴56.1

47.15%

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

$0.76 ₴34.87

$0.60 ₴27.24

26.67%

Water (0.33 liter bottle)

$0.59 ₴26.73

$0.46 ₴20.96

28.26%

Local Beer (0.5 liter draught)

$1.34 ₴61.0

$0.92 ₴41.76

45.65%

Imported Beer (0.33 liter bottle)

$1.99 ₴90.8

$1.40 ₴64.0

42.14%

Milk (1 liter)

$1.34 ₴60.9

$1.09 ₴49.87

22.94%

White Bread (500g)

$0.83 ₴37.76

$0.70 ₴31.79

18.57%

Rice (white) (1kg)

$1.49 ₴67.9

$1.93 ₴87.9

-22.80%

Eggs

$2.03 ₴92.8

$1.71 ₴78.1

18.71%

Local Cheese (1kg)

$10.09 ₴460

$7.83 ₴357

28.86%

Chicken Fillets (1kg)

$5.11 ₴233

$4.07 ₴185

25.55%

Beef Round Steak (1kg)

$8.65 ₴394

$5.84 ₴267

48.12%

Apples (1kg)

$1.21 ₴55.3

$1.30 ₴59.3

-6.92%

Banana (1kg)

$1.56 ₴71.3

$1.44 ₴65.6

8.33%

Oranges (1kg)

$1.84 ₴84.0

$1.42 ₴64.6

29.58%

Tomato (1kg)

$2.69 ₴123

$2.48 ₴113

8.47%

Potato (1kg)

$0.58 ₴26.26

$0.53 ₴24.15

9.43%

Onion (1kg)

$0.45 ₴20.48

$0.41 ₴18.90

9.76%

Lettuce (1 head)

$1.48 ₴67.6

$1.39 ₴63.6

6.47%

Water (1.5 liter bottle)

$0.64 ₴29.30

$0.52 ₴23.67

23.08%

Cigarettes 20 Pack (Marlboro, Camel)

$3.35 ₴153

$2.60 ₴119

28.85%

Wine (Bottle)

$5.42 ₴247

$3.32 ₴151

63.25%

Local Beer (0.5 liter bottle)

$0.91 ₴41.57

$0.83 ₴37.72

9.64%

Imported Beer (0.33 liter bottle)

$1.35 ₴61.6

$2.09 ₴95.4

-35.41%

One-way Ticket (Public Transport)

$0.69 ₴31.29

$0.45 ₴20.51

53.33%

Public Transport Monthly Pass (Regular Price)

$12.38 ₴565

$30.81 ₴1,405

-59.82%

Taxi Start (Normal Tariff)

$2.21 ₴101

$1.41 ₴64.1

56.74%

Taxi (Normal Tariff) (1km)

$0.45 ₴20.72

$0.37 ₴16.68

21.62%

Taxi 1hour Waiting (Normal Tariff)

$4.70 ₴214

$3.99 ₴182

17.79%

Gasoline (1 liter)

$1.82 ₴82.8

$1.52 ₴69.3

19.74%

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

$30.9K ₴1.4M

$28.9K ₴1.3M

7.20%

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

$25.2K ₴1.1M

$24.7K ₴1.1M

1.79%

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

$96.8 ₴4,416

$53.5 ₴2,440

80.96%

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

$6.86 ₴313

$5.08 ₴232

35.04%

Internet (50+ Mbps, Unlimited Data)

$6.30 ₴287

$4.80 ₴219

31.25%

Gym Membership (Monthly)

$37.13 ₴1,693

$20.70 ₴944

79.37%

Tennis Court (1 Hour on Weekend)

$18.04 ₴823

$13.89 ₴633

29.88%

Cinema Ticket

$5.60 ₴255

$3.60 ₴164

55.56%

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

$424 ₴19.4K

$242 ₴11.0K

75.68%

International Primary School, 1 Child (Yearly)

$15.1K ₴689.0K

Jeans (Levis 501 Or Similar)

$73.2 ₴3,338

$50.0 ₴2,280

46.40%

Summer Dress (H&M, Zara, etc)

$39.13 ₴1,784

$46.89 ₴2,138

-16.55%

Sport Shoes (Adidas, Nike)

$94.9 ₴4,328

$88.9 ₴4,056

6.74%

Men's Leather Business Shoes

$118 ₴5,387

$89.4 ₴4,075

32.20%

1-bedroom Apartment, City Center (Monthly)

$647 ₴29.5K

$296 ₴13.5K

118.88%

1-bedroom Apartment, Outside City Center (Monthly)

$337 ₴15.4K

$233 ₴10.6K

44.29%

3-bedroom Apartment, City Center (Monthly)

$1,386 ₴63.2K

$542 ₴24.7K

155.55%

3-bedroom Apartment, Outside City Center (Monthly)

$651 ₴29.7K

$537 ₴24.5K

21.34%

Buy Apartment in City Center (m2)

$2,590 ₴118.1K

$1,536 ₴70.1K

68.60%

Buy Apartment Outside City Center (m2)

$1,160 ₴52.9K

$1,045 ₴47.7K

10.94%

Average Monthly Net Salary (After Tax)

$820 ₴37.4K

$480 ₴21.9K

70.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

17.88

18.5

-3.35%

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

Last update for Kyiv: October 24, 2026

Last update for Ternopil: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Kyiv

$337 33.8%

Ternopil

$233 32.6% 30.7% $103

Groceries & Markets

Kyiv

$188 18.9%

Ternopil

$156 21.8% 17% $32

Eating Out

Kyiv

$147 14.7%

Ternopil

$75 10.5% 48.6% $71

Clothing & Footwear

Kyiv

$146 14.7%

Ternopil

$124 17.3% 15.4% $23

Monthly Utilities & Internet

Kyiv

$110 11%

Ternopil

$63 8.9% 42.4% $47

Sport & Entertainment

Kyiv

$48 4.9%

Ternopil

$28 3.9% 42.3% $20

Getting Around

Kyiv

$20 2%

Ternopil

$36 5% 82.9% $16

Cost Breakdown

A one-bedroom apartment in the center runs $647 in Kyiv and $296 in Ternopil. Housing cost is often the main lever when comparing two cities.

Kyiv pays 71% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $33 in Kyiv vs $19 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $188 vs $156 per month, with Ternopil cheaper across the board.

Good to know

🇺🇦 Kyiv

🇺🇦 Ternopil

🕒 Local time

06:01 6:01 AM

Same time as Kyiv

🌤 Weather

👥 Population

2,908,249 Capital

218,134

💱 Currency

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 UAH = 2.19 USD

100 UAH = 1.97 EUR

100 UAH = 2.19 USD

100 UAH = 1.97 EUR

Exchange rates and currency converter

On the map

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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

Kyiv vs Ternopil: Cost of Living - Frequently Asked Questions

Ternopil is about 28% cheaper overall, especially in eating out, groceries, and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 71% higher in Kyiv, 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: $647 in Kyiv versus $296 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 20% higher in Kyiv. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ternopil – a meal for two runs $19 versus $33 in Kyiv. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,200 a month, though Ternopil gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

It comes down to priorities – Ternopil wins on affordability, Kyiv on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.