Cost of Living Comparison Between Milan and Terni Cost of Living Comparison Between Milan and Terni

Monthly Cost of Living

Monthly costs for one person with rent: $2,657 in Milan versus $1,357 in Terni.

Estimated couple costs with rent: $4,049 in Milan versus $2,044 in Terni.

Monthly costs for a family of three with rent: $5,441 in Milan versus $2,732 in Terni.

Living in Milan is roughly 96% more expensive than in Terni, driven mainly by Groceries & Markets.

The two cities straddle the global median: Milan is 94% above, Terni is 1% below.

Meal at Budget Restaurant

$23.95 €20.87

$17.10 €14.91

40.06%

Three-Course Dinner for Two, Mid-Range

$95.4 €83.2

$70.4 €61.4

35.53%

Fast Food Meal (McDonalds, etc)

$13.83 €12.06

$13.88 €12.10

-0.36%

Cappuccino

$2.11 €1.84

$1.65 €1.44

27.88%

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

$3.99 €3.48

$2.74 €2.39

45.62%

Water (0.33 liter bottle)

$1.96 €1.70

$1.04 €0.91

88.46%

Local Beer (0.5 liter draught)

$6.98 €6.08

$4.52 €3.94

54.42%

Imported Beer (0.33 liter bottle)

$6.80 €5.92

$5.86 €5.11

16.04%

Milk (1 liter)

$1.82 €1.58

$1.24 €1.08

46.77%

White Bread (500g)

$3.44 €2.99

$1.74 €1.52

97.70%

Rice (white) (1kg)

$3.79 €3.31

$2.34 €2.04

61.97%

Eggs

$5.18 €4.51

$3.31 €2.88

56.50%

Local Cheese (1kg)

$23.71 €20.67

$13.81 €12.04

71.69%

Chicken Fillets (1kg)

$15.49 €13.50

$9.04 €7.88

71.35%

Beef Round Steak (1kg)

$23.63 €20.60

$13.74 €11.98

71.98%

Apples (1kg)

$3.18 €2.77

$1.19 €1.04

167.23%

Banana (1kg)

$2.54 €2.21

$1.18 €1.03

115.25%

Oranges (1kg)

$3.63 €3.17

$1.17 €1.02

210.26%

Tomato (1kg)

$4.51 €3.93

$2.29 €1.99

96.94%

Potato (1kg)

$2.36 €2.05

$0.85 €0.74

177.65%

Onion (1kg)

$2.06 €1.79

$1.51 €1.32

36.42%

Lettuce (1 head)

$1.89 €1.65

$0.78 €0.68

142.31%

Water (1.5 liter bottle)

$0.59 €0.51

$0.33 €0.29

78.79%

Cigarettes 20 Pack (Marlboro, Camel)

$7.55 €6.58

$6.97 €6.08

8.32%

Wine (Bottle)

$9.31 €8.11

$5.64 €4.91

65.07%

Local Beer (0.5 liter bottle)

$2.01 €1.75

$1.18 €1.03

70.34%

Imported Beer (0.33 liter bottle)

$2.38 €2.08

$1.49 €1.30

59.73%

One-way Ticket (Public Transport)

$2.49 €2.17

$1.58 €1.38

57.59%

Public Transport Monthly Pass (Regular Price)

$44.35 €38.66

$34.77 €30.31

27.55%

Taxi Start (Normal Tariff)

$8.19 €7.14

$5.42 €4.72

51.11%

Taxi (Normal Tariff) (1km)

$2.28 €1.99

$1.53 €1.33

49.02%

Taxi 1hour Waiting (Normal Tariff)

$62.7 €54.6

$25.34 €22.09

147.24%

Gasoline (1 liter)

$2.22 €1.94

$2.00 €1.74

11.00%

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

$37.8K €33.0K

$34.9K €30.4K

8.53%

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

$36.6K €31.9K

$36.0K €31.4K

1.57%

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

$265 €231

$154 €134

72.59%

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

$10.78 €9.40

$8.22 €7.16

31.14%

Internet (50+ Mbps, Unlimited Data)

$30.61 €26.68

$32.14 €28.02

-4.76%

Gym Membership (Monthly)

$85.2 €74.3

$57.0 €49.72

49.36%

Tennis Court (1 Hour on Weekend)

$34.22 €29.83

$11.51 €10.03

197.31%

Cinema Ticket

$12.92 €11.26

$10.74 €9.36

20.30%

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

$887 €774

$348 €303

155.28%

International Primary School, 1 Child (Yearly)

$19.8K €17.2K

$12.5K €10.9K

58.67%

Jeans (Levis 501 Or Similar)

$107 €93.1

$88.0 €76.7

21.30%

Summer Dress (H&M, Zara, etc)

$53.6 €46.73

$31.98 €27.87

67.64%

Sport Shoes (Adidas, Nike)

$117 €102

$97.8 €85.3

19.75%

Men's Leather Business Shoes

$168 €147

$79.6 €69.4

111.20%

1-bedroom Apartment, City Center (Monthly)

$1,765 €1,538

$353 €307

400.30%

1-bedroom Apartment, Outside City Center (Monthly)

$1,173 €1,023

$383 €334

206.60%

3-bedroom Apartment, City Center (Monthly)

$3,538 €3,084

$673 €587

425.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 €1,801

$545 €475

279.25%

Buy Apartment in City Center (m2)

$10.9K €9,492

$1,403 €1,223

675.89%

Buy Apartment Outside City Center (m2)

$5,080 €4,428

$803 €700

532.60%

Average Monthly Net Salary (After Tax)

$2,242 €1,955

$1,545 €1,347

45.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.17

3.04

4.28%

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

Last update for Milan: September 15, 2026

Last update for Terni: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,765 in Milan and $353 in Terni. Housing cost is often the main lever when comparing two cities.

Milan pays 45% 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: $95.0 in Milan vs $70.0 in Terni for a mid-range dinner for two. Groceries echo the gap at $435 vs $242 per month, with Terni 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

Milan vs Terni: Cost of Living - Frequently Asked Questions

Terni is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around. The 96% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 45% higher in Milan, 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: $1,765 in Milan versus $353 in Terni. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $887 in Milan 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 80% higher in Milan. For households that cook at home regularly, that difference adds up over a month.

At $1,357 in Terni versus $2,657 in Milan, a $1,000 budget is realistic in Terni but tight or insufficient in Milan. The gap between the two cities makes Terni the clear choice for anyone on this budget.

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

Safety-wise, Milan 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 96% less than in Milan. Beyond cost, consider language, visa policies, and how big the international community is in each city.