Cost of Living Comparison Between Lugo and Terni Cost of Living Comparison Between Lugo and Terni

Monthly Cost of Living

Monthly costs for one person with rent: $1,590 in Lugo versus $1,357 in Terni.

Estimated couple costs with rent: $2,328 in Lugo versus $2,044 in Terni.

Monthly costs for a family of three with rent: $3,066 in Lugo versus $2,732 in Terni.

Living in Lugo is roughly 17% more expensive than in Terni, driven mainly by Clothing & Footwear.

The two cities straddle the global median: Lugo is 16% above, Terni is 1% below.

Meal at Budget Restaurant

$13.67 €11.85

$17.10 €14.82

-20.06%

Three-Course Dinner for Two, Mid-Range

$58.0 €50.2

$70.4 €61.0

-17.64%

Fast Food Meal (McDonalds, etc)

$10.54 €9.14

$13.88 €12.03

-24.06%

Cappuccino

$2.18 €1.89

$1.65 €1.43

32.12%

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

$3.04 €2.63

$2.74 €2.38

10.95%

Water (0.33 liter bottle)

$1.53 €1.32

$1.04 €0.90

47.12%

Local Beer (0.5 liter draught)

$3.54 €3.07

$4.52 €3.91

-21.68%

Imported Beer (0.33 liter bottle)

$2.36 €2.04

$5.86 €5.08

-59.73%

Milk (1 liter)

$1.21 €1.05

$1.24 €1.08

-2.42%

White Bread (500g)

$1.19 €1.03

$1.74 €1.51

-31.61%

Rice (white) (1kg)

$1.44 €1.25

$2.34 €2.03

-38.46%

Eggs

$2.84 €2.46

$3.31 €2.86

-14.20%

Local Cheese (1kg)

$13.63 €11.81

$13.81 €11.97

-1.30%

Chicken Fillets (1kg)

$6.25 €5.42

$9.04 €7.83

-30.86%

Beef Round Steak (1kg)

$17.28 €14.97

$13.74 €11.91

25.76%

Apples (1kg)

$2.96 €2.56

$1.19 €1.03

148.74%

Banana (1kg)

$2.20 €1.91

$1.18 €1.02

86.44%

Oranges (1kg)

$2.35 €2.04

$1.17 €1.02

100.85%

Tomato (1kg)

$3.56 €3.08

$2.29 €1.98

55.46%

Potato (1kg)

$1.13 €0.98

$0.85 €0.73

32.94%

Onion (1kg)

$2.29 €1.98

$1.51 €1.31

51.66%

Lettuce (1 head)

$1.41 €1.22

$0.78 €0.68

80.77%

Water (1.5 liter bottle)

$0.88 €0.76

$0.33 €0.29

166.67%

Cigarettes 20 Pack (Marlboro, Camel)

$6.09 €5.28

$6.97 €6.04

-12.63%

Wine (Bottle)

$4.56 €3.95

$5.64 €4.88

-19.15%

Local Beer (0.5 liter bottle)

$1.55 €1.34

$1.18 €1.02

31.36%

Imported Beer (0.33 liter bottle)

$2.95 €2.55

$1.49 €1.29

97.99%

One-way Ticket (Public Transport)

$0.78 €0.67

$1.58 €1.37

-50.63%

Public Transport Monthly Pass (Regular Price)

$30.49 €26.42

$34.77 €30.13

-12.31%

Taxi Start (Normal Tariff)

$5.58 €4.84

$5.42 €4.70

2.95%

Taxi (Normal Tariff) (1km)

$1.42 €1.23

$1.53 €1.33

-7.19%

Taxi 1hour Waiting (Normal Tariff)

$19.09 €16.55

$25.34 €21.96

-24.66%

Gasoline (1 liter)

$1.71 €1.48

$2.00 €1.73

-14.50%

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

$30.3K €26.2K

$34.9K €30.2K

-13.19%

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

$31.1K €27.0K

$36.0K €31.2K

-13.50%

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

$148 €128

$154 €133

-3.96%

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

$19.83 €17.18

$8.22 €7.12

141.24%

Internet (50+ Mbps, Unlimited Data)

$34.68 €30.06

$32.14 €27.85

7.90%

Gym Membership (Monthly)

$45.89 €39.77

$57.0 €49.42

-19.53%

Tennis Court (1 Hour on Weekend)

$14.32 €12.41

$11.51 €9.97

24.41%

Cinema Ticket

$9.09 €7.88

$10.74 €9.30

-15.36%

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

$360 €312

$348 €301

3.55%

International Primary School, 1 Child (Yearly)

$8,625 €7,475

$12.5K €10.8K

-30.76%

Jeans (Levis 501 Or Similar)

$110 €95.2

$88.0 €76.3

24.75%

Summer Dress (H&M, Zara, etc)

$76.6 €66.4

$31.98 €27.71

139.43%

Sport Shoes (Adidas, Nike)

$126 €109

$97.8 €84.8

28.38%

Men's Leather Business Shoes

$145 €126

$79.6 €69.0

82.18%

1-bedroom Apartment, City Center (Monthly)

$964 €835

$353 €306

173.25%

1-bedroom Apartment, Outside City Center (Monthly)

$566 €491

$383 €332

47.94%

3-bedroom Apartment, City Center (Monthly)

$1,405 €1,218

$673 €583

108.85%

3-bedroom Apartment, Outside City Center (Monthly)

$818 €709

$545 €472

50.18%

Buy Apartment in City Center (m2)

$3,493 €3,027

$1,403 €1,216

148.87%

Buy Apartment Outside City Center (m2)

$2,305 €1,998

$803 €696

187.07%

Average Monthly Net Salary (After Tax)

$1,814 €1,572

$1,545 €1,339

17.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.96

3.04

-2.63%

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

Last update for Lugo: September 12, 2026

Last update for Terni: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $964 in Lugo and $353 in Terni. Housing cost is often the main lever when comparing two cities.

Lugo pays 17% 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: $58.0 in Lugo vs $70.0 in Terni. Groceries flip the comparison at $267 vs $242, with Terni cheaper for home cooking.

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 cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Monthly Utilities & Internet. The 17% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 17% 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: $964 in Lugo versus $353 in Terni. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $360 in Lugo versus $348 in Terni. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 10% higher in Lugo. For households that cook at home regularly, that difference adds up over a month.

At $1,357 in Terni versus $1,590 in Lugo, a $1,000 budget is realistic in Terni but tight or insufficient in Lugo. The gap between the two cities makes Terni the clear choice for anyone on this budget.

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.

Safety-wise, Lugo and Terni 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 Terni gentler on the wallet – expenses run 17% less than in Lugo. Beyond cost, consider language, visa policies, and how big the international community is in each city.