Last update: Oct 2026

Cost of Living Comparison Between Milan and Terni

For one person, living is cheaper in Terni: $1,299 a month against $2,555 in Milan, rent and utilities included – about $15,100 less a year. Rent and utilities account for most of the difference.

122

Cost of Living Index in Milan
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Milan Living Index
63

Cost of Living Index in Terni
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Terni Living Index

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Milan

🇮🇹 Italy

$2,555

/mo nomad

Terni

🇮🇹 Italy

$1,299

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,555 in Milan versus $1,299 in Terni.

Milan $2,555
Terni $1,299

Estimated couple costs with rent: $3,859 in Milan versus $1,995 in Terni.

Milan $3,859
Terni $1,995

Monthly costs for a family of three with rent: $5,163 in Milan versus $2,691 in Terni.

Milan $5,163
Terni $2,691

Living in Milan is roughly 97% more expensive than in Terni, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Milan is 88% above, Terni is 5% below.

Meal at Budget Restaurant

$22.10 €19.80

$16.55 €14.83

33.53%

Three-Course Dinner for Two, Mid-Range

$89.0 €79.8

$66.7 €59.8

33.45%

Fast Food Meal (McDonalds, etc)

$13.35 €11.96

$13.54 €12.13

-1.40%

Cappuccino

$2.14 €1.91

$1.69 €1.51

26.63%

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

$3.68 €3.30

$2.54 €2.28

44.88%

Water (0.33 liter bottle)

$1.95 €1.74

$1.03 €0.93

89.32%

Local Beer (0.5 liter draught)

$6.96 €6.24

$4.35 €3.90

60.00%

Imported Beer (0.33 liter bottle)

$6.78 €6.07

$5.74 €5.14

18.12%

Milk (1 liter)

$1.75 €1.56

$1.22 €1.09

43.44%

White Bread (500g)

$3.19 €2.85

$1.70 €1.52

87.65%

Rice (white) (1kg)

$3.69 €3.31

$2.17 €1.95

70.05%

Eggs

$5.02 €4.50

$3.82 €3.42

31.41%

Local Cheese (1kg)

$23.30 €20.88

$13.38 €11.99

74.14%

Chicken Fillets (1kg)

$14.73 €13.20

$9.20 €8.25

60.11%

Beef Round Steak (1kg)

$22.89 €20.51

$13.33 €11.95

71.72%

Apples (1kg)

$2.96 €2.65

$1.13 €1.02

161.95%

Banana (1kg)

$2.31 €2.07

$1.13 €1.01

104.42%

Oranges (1kg)

$3.23 €2.89

$1.13 €1.01

185.84%

Tomato (1kg)

$4.30 €3.86

$2.27 €2.03

89.43%

Potato (1kg)

$2.26 €2.03

$0.74 €0.67

205.41%

Onion (1kg)

$2.00 €1.79

$1.48 €1.32

35.14%

Lettuce (1 head)

$1.78 €1.60

$0.75 €0.67

137.33%

Water (1.5 liter bottle)

$0.61 €0.55

$0.36 €0.32

69.44%

Cigarettes 20 Pack (Marlboro, Camel)

$7.25 €6.50

$6.59 €5.91

10.02%

Wine (Bottle)

$9.77 €8.75

$8.00 €7.17

22.12%

Local Beer (0.5 liter bottle)

$1.93 €1.73

$1.14 €1.02

69.30%

Imported Beer (0.33 liter bottle)

$2.38 €2.14

$1.51 €1.36

57.62%

One-way Ticket (Public Transport)

$2.45 €2.20

$1.59 €1.42

54.09%

Public Transport Monthly Pass (Regular Price)

$43.45 €38.93

$34.20 €30.65

27.05%

Taxi Start (Normal Tariff)

$7.62 €6.83

$3.63 €3.26

109.92%

Taxi (Normal Tariff) (1km)

$2.29 €2.05

$1.26 €1.13

81.75%

Taxi 1hour Waiting (Normal Tariff)

$65.1 €58.3

$30.81 €27.61

111.20%

Gasoline (1 liter)

$2.20 €1.97

$2.14 €1.92

2.80%

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

$36.3K €32.6K

$33.0K €29.6K

9.99%

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

$37.4K €33.5K

$36.3K €32.5K

3.19%

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

$248 €222

$150 €135

64.95%

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

$10.29 €9.22

$11.46 €10.27

-10.21%

Internet (50+ Mbps, Unlimited Data)

$29.70 €26.61

$30.69 €27.50

-3.23%

Gym Membership (Monthly)

$82.9 €74.2

$54.8 €49.12

51.13%

Tennis Court (1 Hour on Weekend)

$33.55 €30.06

$11.20 €10.03

199.55%

Cinema Ticket

$11.38 €10.20

$11.15 €9.99

2.06%

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

$939 €842

$329 €295

185.34%

International Primary School, 1 Child (Yearly)

$18.8K €16.8K

$16.5K €14.8K

13.65%

Jeans (Levis 501 Or Similar)

$101 €90.7

$84.9 €76.1

19.25%

Summer Dress (H&M, Zara, etc)

$49.50 €44.36

$33.72 €30.22

46.80%

Sport Shoes (Adidas, Nike)

$116 €104

$106 €95.0

9.30%

Men's Leather Business Shoes

$164 €147

$78.4 €70.3

108.60%

1-bedroom Apartment, City Center (Monthly)

$1,764 €1,581

$340 €304

419.69%

1-bedroom Apartment, Outside City Center (Monthly)

$1,164 €1,043

$357 €320

226.04%

3-bedroom Apartment, City Center (Monthly)

$3,429 €3,073

$648 €581

429.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,975 €1,769

$519 €465

280.38%

Buy Apartment in City Center (m2)

$10.6K €9,476

$1,363 €1,222

675.71%

Buy Apartment Outside City Center (m2)

$5,220 €4,677

$784 €703

565.55%

Average Monthly Net Salary (After Tax)

$2,162 €1,937

$1,468 €1,316

47.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.18

3.16

0.63%

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

Last update for Milan: 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

Milan

$1.2K 45.6%

Terni

$357 27.5% 69.3% $807

Groceries & Markets

Milan

$419 16.4%

Terni

$245 18.9% 41.5% $174

Eating Out

Milan

$313 12.3%

Terni

$241 18.5% 23.1% $73

Monthly Utilities & Internet

Milan

$288 11.3%

Terni

$192 14.8% 33.2% $95

Clothing & Footwear

Milan

$194 7.6%

Terni

$136 10.5% 29.6% $57

Sport & Entertainment

Milan

$106 4.1%

Terni

$77 5.9% 27% $28

Getting Around

Milan

$72 2.8%

Terni

$51 3.9% 30.2% $22

Cost Breakdown

A one-bedroom apartment in the center runs $1,764 in Milan and $340 in Terni. Housing cost is often the main lever when comparing two cities.

Milan pays 47% 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: $89 in Milan vs $67 in Terni for a mid-range dinner for two. Groceries echo the gap at $419 vs $245 per month, with Terni cheaper across the board.

Good to know

🇮🇹 Milan

🇮🇹 Terni

🕒 Local time

04:19 4:19 AM

Same time as Milan

🌤 Weather

👥 Population

1,394,798

106,677

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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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 about 49% cheaper overall, especially in groceries, eating out, and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 47% 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: $1,764 in Milan versus $340 in Terni. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $939 in Milan versus $329 in Terni. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 71% higher in Milan. For households that cook at home regularly, that difference adds up over a month.

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.

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.

Expats usually find Terni gentler on the wallet – expenses run 49% less than in Milan. Beyond cost, consider language, visa policies, and how big the international community is in each city.