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: $1,015 in Kyiv versus $604 in Ternopil.

Estimated couple costs with rent: $1,600 in Kyiv versus $841 in Ternopil.

Monthly costs for a family of three with rent: $2,185 in Kyiv versus $1,078 in Ternopil.

Living in Kyiv is roughly 68% more expensive than in Ternopil, driven mainly by Eating Out.

Both cities sit below the global median: Kyiv 26% lower, Ternopil 56% lower.

Meal at Budget Restaurant

$11.18 ₴498

$2.99 ₴133

273.91%

Three-Course Dinner for Two, Mid-Range

$33.43 ₴1,489

$22.73 ₴1,013

47.07%

Fast Food Meal (McDonalds, etc)

$6.70 ₴298

$5.61 ₴250

19.43%

Cappuccino

$1.73 ₴77.1

$1.15 ₴51.4

50.43%

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

$0.73 ₴32.53

$0.69 ₴30.73

5.80%

Water (0.33 liter bottle)

$0.55 ₴24.71

$0.55 ₴24.30

Local Beer (0.5 liter draught)

$1.31 ₴58.4

$1.02 ₴45.65

28.43%

Imported Beer (0.33 liter bottle)

$2.04 ₴91.1

$1.56 ₴69.5

30.77%

Milk (1 liter)

$1.36 ₴60.8

$1.07 ₴47.57

27.10%

White Bread (500g)

$0.82 ₴36.72

$0.72 ₴32.00

13.89%

Rice (white) (1kg)

$1.47 ₴65.7

$2.03 ₴90.6

-27.59%

Eggs

$2.01 ₴89.6

$1.91 ₴85.1

5.24%

Local Cheese (1kg)

$9.89 ₴441

$8.08 ₴360

22.40%

Chicken Fillets (1kg)

$5.45 ₴243

$4.17 ₴186

30.70%

Beef Round Steak (1kg)

$8.81 ₴393

$6.24 ₴278

41.19%

Apples (1kg)

$1.22 ₴54.4

$0.72 ₴32.24

69.44%

Banana (1kg)

$1.53 ₴68.3

$1.59 ₴70.8

-3.77%

Oranges (1kg)

$1.93 ₴86.0

$1.42 ₴63.2

35.92%

Tomato (1kg)

$2.73 ₴122

$2.62 ₴117

4.20%

Potato (1kg)

$0.65 ₴29.17

$0.54 ₴24.19

20.37%

Onion (1kg)

$0.48 ₴21.52

$0.39 ₴17.37

23.08%

Lettuce (1 head)

$1.48 ₴65.8

$1.38 ₴61.5

7.25%

Water (1.5 liter bottle)

$0.62 ₴27.56

$0.49 ₴21.94

26.53%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 ₴146

$2.62 ₴117

25.19%

Wine (Bottle)

$5.74 ₴256

$3.45 ₴154

66.38%

Local Beer (0.5 liter bottle)

$0.90 ₴40.03

$0.83 ₴36.76

8.43%

Imported Beer (0.33 liter bottle)

$1.44 ₴64.2

$2.46 ₴110

-41.46%

One-way Ticket (Public Transport)

$0.50 ₴22.14

$0.37 ₴16.41

35.14%

Public Transport Monthly Pass (Regular Price)

$11.45 ₴510

Taxi Start (Normal Tariff)

$2.24 ₴99.7

$1.43 ₴63.5

56.64%

Taxi (Normal Tariff) (1km)

$0.44 ₴19.57

$0.37 ₴16.63

18.92%

Taxi 1hour Waiting (Normal Tariff)

$4.28 ₴191

$4.01 ₴178

6.73%

Gasoline (1 liter)

$1.70 ₴75.6

$1.48 ₴65.7

14.86%

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

$29.9K ₴1.3M

$29.8K ₴1.3M

0.24%

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

$26.2K ₴1.2M

$22.0K ₴979.9K

18.94%

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

$96.7 ₴4,309

$64.6 ₴2,880

49.64%

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

$6.83 ₴304

$4.96 ₴221

37.70%

Internet (50+ Mbps, Unlimited Data)

$6.66 ₴297

$3.87 ₴173

72.09%

Gym Membership (Monthly)

$36.55 ₴1,628

$22.33 ₴995

63.68%

Tennis Court (1 Hour on Weekend)

$17.77 ₴792

$14.17 ₴631

25.41%

Cinema Ticket

$5.79 ₴258

$3.64 ₴162

59.07%

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

$402 ₴17.9K

$247 ₴11.0K

62.97%

International Primary School, 1 Child (Yearly)

$14.8K ₴659.2K

Jeans (Levis 501 Or Similar)

$71.0 ₴3,163

$51.8 ₴2,306

37.15%

Summer Dress (H&M, Zara, etc)

$39.90 ₴1,778

$49.19 ₴2,191

-18.89%

Sport Shoes (Adidas, Nike)

$94.7 ₴4,217

$102 ₴4,544

-7.18%

Men's Leather Business Shoes

$117 ₴5,232

$90.7 ₴4,041

29.46%

1-bedroom Apartment, City Center (Monthly)

$644 ₴28.7K

$275 ₴12.2K

134.40%

1-bedroom Apartment, Outside City Center (Monthly)

$361 ₴16.1K

$137 ₴6,112

163.09%

3-bedroom Apartment, City Center (Monthly)

$1,353 ₴60.3K

3-bedroom Apartment, Outside City Center (Monthly)

$664 ₴29.6K

Buy Apartment in City Center (m2)

$2,633 ₴117.3K

$1,026 ₴45.7K

156.60%

Buy Apartment Outside City Center (m2)

$1,144 ₴51.0K

$506 ₴22.5K

126.29%

Average Monthly Net Salary (After Tax)

$801 ₴35.7K

$505 ₴22.5K

58.64%

20-Year Fixed Mortgage Interest Rate (Annual %)

18.25

-17.05%

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

Last update for Kyiv: September 5, 2026

Last update for Ternopil: September 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $644 in Kyiv and $275 in Ternopil. Housing cost is often the main lever when comparing two cities.

Kyiv pays 59% 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: $33.00 in Kyiv vs $23.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $191 vs $159 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, Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around. The 68% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 59% 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: $644 in Kyiv versus $275 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $402 in Kyiv versus $247 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 $23.00 versus $33.00 in Kyiv. If you eat out regularly, this makes a real dent in your monthly spending.

At $604 in Ternopil versus $1,015 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 68% less than in Kyiv. Beyond cost, consider language, visa policies, and how big the international community is in each city.