Last update: Oct 2026

Cost of Living Comparison Between Lugo and Terni

For one person, living is cheaper in Terni: $1,299 a month against $1,532 in Lugo, rent and utilities included – about $2,800 less a year. Rent and utilities account for most of the difference.

73

Cost of Living Index in Lugo
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Lugo Living Index
63

Cost of Living Index in Terni
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Terni Living Index

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Lugo

🇪🇸 Spain

$1,532

/mo nomad

Terni

🇮🇹 Italy

$1,299

/mo nomad

Monthly Cost of Living

How much you'll spend in Lugo and in Terni

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Lugo and in Terni actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,532 in Lugo versus $1,299 in Terni.

Lugo $1,532
Terni $1,299

Estimated couple costs with rent: $2,263 in Lugo versus $1,995 in Terni.

Lugo $2,263
Terni $1,995

Monthly costs for a family of three with rent: $2,994 in Lugo versus $2,691 in Terni.

Lugo $2,994
Terni $2,691

Living in Lugo is roughly 18% more expensive than in Terni, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Lugo is 13% above, Terni is 5% below.

Meal at Budget Restaurant

$13.18 €11.81

$16.55 €14.82

-20.36%

Three-Course Dinner for Two, Mid-Range

$55.4 €49.63

$66.7 €59.8

-16.94%

Fast Food Meal (McDonalds, etc)

$9.90 €8.86

$13.54 €12.12

-26.88%

Cappuccino

$2.09 €1.87

$1.69 €1.51

23.67%

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

$2.78 €2.49

$2.54 €2.28

9.45%

Water (0.33 liter bottle)

$1.51 €1.35

$1.03 €0.93

46.60%

Local Beer (0.5 liter draught)

$3.26 €2.92

$4.35 €3.90

-25.06%

Imported Beer (0.33 liter bottle)

$2.18 €1.95

$5.74 €5.14

-62.02%

Milk (1 liter)

$1.16 €1.04

$1.22 €1.09

-4.92%

White Bread (500g)

$1.17 €1.04

$1.70 €1.52

-31.18%

Rice (white) (1kg)

$1.31 €1.18

$2.17 €1.95

-39.63%

Eggs

$2.64 €2.37

$3.82 €3.42

-30.89%

Local Cheese (1kg)

$13.63 €12.20

$13.38 €11.98

1.87%

Chicken Fillets (1kg)

$6.32 €5.66

$9.20 €8.24

-31.30%

Beef Round Steak (1kg)

$16.72 €14.97

$13.33 €11.94

25.43%

Apples (1kg)

$2.84 €2.55

$1.13 €1.02

151.33%

Banana (1kg)

$2.08 €1.86

$1.13 €1.01

84.07%

Oranges (1kg)

$2.27 €2.03

$1.13 €1.01

100.88%

Tomato (1kg)

$3.53 €3.16

$2.27 €2.03

55.51%

Potato (1kg)

$1.11 €0.99

$0.74 €0.66

50.00%

Onion (1kg)

$2.21 €1.98

$1.48 €1.32

49.32%

Lettuce (1 head)

$1.43 €1.28

$0.75 €0.67

90.67%

Water (1.5 liter bottle)

$0.84 €0.75

$0.36 €0.32

133.33%

Cigarettes 20 Pack (Marlboro, Camel)

$5.86 €5.25

$6.59 €5.90

-11.08%

Wine (Bottle)

$4.60 €4.12

$8.00 €7.17

-42.50%

Local Beer (0.5 liter bottle)

$1.51 €1.36

$1.14 €1.02

32.46%

Imported Beer (0.33 liter bottle)

$2.81 €2.52

$1.51 €1.36

86.09%

One-way Ticket (Public Transport)

$0.74 €0.66

$1.59 €1.42

-53.46%

Public Transport Monthly Pass (Regular Price)

$34.10 €30.54

$34.20 €30.63

-0.29%

Taxi Start (Normal Tariff)

$5.33 €4.77

$3.63 €3.26

46.83%

Taxi (Normal Tariff) (1km)

$1.36 €1.22

$1.26 €1.13

7.94%

Taxi 1hour Waiting (Normal Tariff)

$18.67 €16.72

$30.81 €27.60

-39.40%

Gasoline (1 liter)

$1.73 €1.55

$2.14 €1.92

-19.16%

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

$29.4K €26.3K

$33.0K €29.6K

-11.14%

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

$30.2K €27.1K

$36.3K €32.5K

-16.62%

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

$146 €130

$150 €135

-3.09%

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

$19.54 €17.50

$11.46 €10.27

70.51%

Internet (50+ Mbps, Unlimited Data)

$32.70 €29.28

$30.69 €27.49

6.55%

Gym Membership (Monthly)

$44.61 €39.95

$54.8 €49.09

-18.62%

Tennis Court (1 Hour on Weekend)

$15.78 €14.14

$11.20 €10.03

40.89%

Cinema Ticket

$8.98 €8.04

$11.15 €9.99

-19.46%

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

$343 €307

$329 €295

4.13%

International Primary School, 1 Child (Yearly)

$8,492 €7,606

$16.5K €14.8K

-48.53%

Jeans (Levis 501 Or Similar)

$106 €95.1

$84.9 €76.0

25.13%

Summer Dress (H&M, Zara, etc)

$73.6 €65.9

$33.72 €30.20

118.18%

Sport Shoes (Adidas, Nike)

$123 €111

$106 €94.9

16.49%

Men's Leather Business Shoes

$142 €127

$78.4 €70.2

81.21%

1-bedroom Apartment, City Center (Monthly)

$858 €768

$340 €304

152.72%

1-bedroom Apartment, Outside City Center (Monthly)

$563 €504

$357 €320

57.56%

3-bedroom Apartment, City Center (Monthly)

$1,351 €1,210

$648 €580

108.43%

3-bedroom Apartment, Outside City Center (Monthly)

$794 €711

$519 €465

53.03%

Buy Apartment in City Center (m2)

$3,293 €2,950

$1,363 €1,221

141.59%

Buy Apartment Outside City Center (m2)

$2,264 €2,028

$784 €702

188.65%

Average Monthly Net Salary (After Tax)

$1,738 €1,557

$1,468 €1,315

18.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.96

3.16

-6.33%

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

Last update for Lugo: October 27, 2026

Last update for Terni: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Lugo

$563 36.7%

Terni

$357 27.5% 36.5% $206

Groceries & Markets

Lugo

$261 17%

Terni

$245 18.9% 6.2% $16

Clothing & Footwear

Lugo

$200 13.1%

Terni

$136 10.5% 32% $64

Eating Out

Lugo

$198 12.9%

Terni

$241 18.5% 21.6% $43

Monthly Utilities & Internet

Lugo

$198 12.9%

Terni

$192 14.8% 2.7% $5.4

Sport & Entertainment

Lugo

$63 4.1%

Terni

$77 5.9% 23.3% $15

Getting Around

Lugo

$49 3.2%

Terni

$51 3.9% 2.7% $1.4

Cost Breakdown

A one-bedroom apartment in the center runs $858 in Lugo and $340 in Terni. Housing cost is often the main lever when comparing two cities.

Lugo pays 18% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $55 in Lugo vs $67 in Terni. Groceries flip the comparison at $261 vs $245, with Terni cheaper for home cooking.

Good to know

🇪🇸 Lugo

🇮🇹 Terni

🕒 Local time

16:35 4:35 PM

Same time as Lugo

🌤 Weather

👥 Population

98,214

106,677

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Lugo Terni 1,650 km ≈ 2 h 30 min nonstop flight

From you

Lugo
Terni

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

Lugo vs Terni: Cost of Living - Frequently Asked Questions

Terni is about 15% cheaper overall, especially in clothing, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 18% higher in Lugo, 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: $858 in Lugo versus $340 in Terni. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 7% higher in Lugo. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,532 per month in Lugo versus $1,299 in Terni – Terni is about 15% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Terni is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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

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