Last update: Nov 2026

Cost of Living Comparison Between Mumbai (Bombay) and Ternopil

For one person, living is cheaper in Ternopil: $712 a month against $811 in Mumbai (Bombay), rent and utilities included – about $1,200 less a year. Higher rent and utilities in Mumbai (Bombay) outweigh lower spending on other living expenses.

38

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index
34

Cost of Living Index in Ternopil
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Ternopil Living Index

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Mumbai (Bombay)

🇮🇳 India

$811

/mo nomad

Ternopil

🇺🇦 Ukraine

$712

/mo nomad

Monthly Cost of Living

How much you'll spend in Mumbai (Bombay) and in Ternopil

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

Monthly costs for one person with rent: $811 in Mumbai (Bombay) versus $712 in Ternopil.

Mumbai (Bombay) $811
Ternopil $712

Estimated couple costs with rent: $1,402 in Mumbai (Bombay) versus $1,176 in Ternopil.

Mumbai (Bombay) $1,402
Ternopil $1,176

Monthly costs for a family of three with rent: $1,992 in Mumbai (Bombay) versus $1,640 in Ternopil.

Mumbai (Bombay) $1,992
Ternopil $1,640

Living in Mumbai (Bombay) is roughly 14% more expensive than in Ternopil, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Mumbai (Bombay) 40% lower, Ternopil 47% lower.

Meal at Budget Restaurant

$5.12 ₹485

$3.72 ₴169

37.63%

Three-Course Dinner for Two, Mid-Range

$26.54 ₹2,512

$19.52 ₴889

35.96%

Fast Food Meal (McDonalds, etc)

$3.92 ₹371

$6.14 ₴280

-36.16%

Cappuccino

$2.86 ₹271

$1.27 ₴57.7

125.20%

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

$0.40 ₹38.21

$0.62 ₴28.42

-35.48%

Water (0.33 liter bottle)

$0.14 ₹13.70

$0.45 ₴20.60

-68.89%

Local Beer (0.5 liter draught)

$2.71 ₹257

$0.91 ₴41.53

197.80%

Imported Beer (0.33 liter bottle)

$4.32 ₹409

$1.44 ₴65.6

200.00%

Milk (1 liter)

$0.74 ₹70.2

$1.11 ₴50.4

-33.33%

White Bread (500g)

$0.52 ₹49.02

$0.70 ₴32.07

-25.71%

Rice (white) (1kg)

$0.75 ₹71.4

$1.97 ₴89.9

-61.93%

Eggs

$1.02 ₹96.3

$1.73 ₴79.0

-41.04%

Local Cheese (1kg)

$5.73 ₹542

$8.03 ₴366

-28.64%

Chicken Fillets (1kg)

$3.64 ₹345

$4.27 ₴195

-14.75%

Beef Round Steak (1kg)

$5.83 ₴266

Apples (1kg)

$2.37 ₹225

$1.24 ₴56.6

91.13%

Banana (1kg)

$0.69 ₹65.5

$1.47 ₴66.9

-53.06%

Oranges (1kg)

$1.25 ₹118

$1.36 ₴61.9

-8.09%

Tomato (1kg)

$0.47 ₹44.91

$2.50 ₴114

-81.20%

Potato (1kg)

$0.34 ₹32.41

$0.53 ₴23.93

-35.85%

Onion (1kg)

$0.37 ₹35.45

$0.41 ₴18.83

-9.76%

Lettuce (1 head)

$0.43 ₹40.53

$1.34 ₴61.1

-67.91%

Water (1.5 liter bottle)

$0.31 ₹29.77

$0.55 ₴24.90

-43.64%

Cigarettes 20 Pack (Marlboro, Camel)

$4.95 ₹469

$2.57 ₴117

92.61%

Wine (Bottle)

$8.43 ₹797

$3.23 ₴147

160.99%

Local Beer (0.5 liter bottle)

$1.99 ₹188

$0.82 ₴37.36

142.68%

Imported Beer (0.33 liter bottle)

$3.18 ₹301

$2.20 ₴100

44.55%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.04 ₹572

One-way Ticket (Public Transport)

$0.22 ₹20.84

$0.51 ₴23.43

-56.86%

Public Transport Monthly Pass (Regular Price)

$5.63 ₹533

$30.44 ₴1,386

-81.50%

Taxi Start (Normal Tariff)

$0.37 ₹34.73

$1.38 ₴62.9

-73.19%

Taxi (Normal Tariff) (1km)

$0.33 ₹31.46

$0.36 ₴16.53

-8.33%

Taxi 1hour Waiting (Normal Tariff)

$1.37 ₹129

$3.92 ₴178

-65.05%

Gasoline (1 liter)

$1.12 ₹106

$1.58 ₴72.1

-29.11%

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

$15.7K ₹1.5M

$28.9K ₴1.3M

-45.66%

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

$22.8K ₹2.2M

$24.4K ₴1.1M

-6.61%

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

$69.6 ₹6,584

$54.6 ₴2,484

27.53%

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

$4.35 ₹412

$5.08 ₴231

-14.37%

Internet (50+ Mbps, Unlimited Data)

$9.11 ₹862

$4.69 ₴213

94.24%

Gym Membership (Monthly)

$37.44 ₹3,543

$20.41 ₴929

83.44%

Tennis Court (1 Hour on Weekend)

$14.26 ₹1,349

$13.47 ₴613

5.86%

Cinema Ticket

$4.40 ₹416

$3.59 ₴164

22.56%

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

$118 ₹11.2K

$243 ₴11.1K

-51.21%

International Primary School, 1 Child (Yearly)

$6,043 ₹571.9K

$3,520 ₴160.3K

71.68%

Jeans (Levis 501 Or Similar)

$34.60 ₹3,275

$49.39 ₴2,249

-29.95%

Summer Dress (H&M, Zara, etc)

$40.28 ₹3,812

$46.91 ₴2,136

-14.13%

Sport Shoes (Adidas, Nike)

$52.2 ₹4,943

$88.8 ₴4,042

-41.16%

Men's Leather Business Shoes

$46.71 ₹4,421

$88.4 ₴4,026

-47.17%

1-bedroom Apartment, City Center (Monthly)

$609 ₹57.6K

$290 ₴13.2K

110.05%

1-bedroom Apartment, Outside City Center (Monthly)

$364 ₹34.5K

$228 ₴10.4K

59.48%

3-bedroom Apartment, City Center (Monthly)

$2,169 ₹205.3K

$555 ₴25.3K

291.13%

3-bedroom Apartment, Outside City Center (Monthly)

$995 ₹94.2K

$544 ₴24.8K

82.79%

Buy Apartment in City Center (m2)

$5,687 ₹538.2K

$1,498 ₴68.2K

279.64%

Buy Apartment Outside City Center (m2)

$2,662 ₹251.9K

$1,031 ₴46.9K

158.17%

Average Monthly Net Salary (After Tax)

$717 ₹67.9K

$477 ₴21.7K

50.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.26

18.5

-55.35%

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

Last update for Mumbai (Bombay): November 2, 2026

Last update for Ternopil: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Mumbai (Bombay)

$364 45%

Ternopil

$228 32.1% 37.3% $136

Groceries & Markets

Mumbai (Bombay)

$119 14.7%

Ternopil

$158 22.2% 33% $39

Eating Out

Mumbai (Bombay)

$111 13.8%

Ternopil

$75 10.5% 32.6% $36

Monthly Utilities & Internet

Mumbai (Bombay)

$83 10.2%

Ternopil

$64 9% 22.5% $19

Clothing & Footwear

Mumbai (Bombay)

$78 9.7%

Ternopil

$123 17.3% 57.3% $45

Sport & Entertainment

Mumbai (Bombay)

$46 5.7%

Ternopil

$28 3.9% 40.3% $19

Getting Around

Mumbai (Bombay)

$8.5 1.1%

Ternopil

$36 5% 318% $27

Cost Breakdown

A one-bedroom apartment in the center runs $609 in Mumbai (Bombay) and $290 in Ternopil. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 50% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $27 in Mumbai (Bombay) vs $20 in Ternopil. Groceries flip the comparison at $119 vs $158, with Mumbai (Bombay) cheaper for home cooking.

Good to know

🇮🇳 Mumbai (Bombay)

🇺🇦 Ternopil

🕒 Local time

18:58 6:58 PM

15:28 3:28 PM

3 h 30 min behind Mumbai (Bombay)

🌤 Weather

👥 Population

12,442,373

218,134

💱 Currency

Indian Rupee INR ₹

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

1,000 INR = 10.57 USD

1,000 INR = 9.43 EUR

100 UAH = 2.2 USD

100 UAH = 1.96 EUR

Exchange rates and currency converter

UAH, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of November 4, 2026: 1 USD = 94.64 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

Ukrainian Hryvnia exchange rates as of November 4, 2026: 1 USD = 45.53 UAH (100 UAH = 2.2 USD). 1 EUR = 51.05 UAH (100 UAH = 1.96 EUR).

USD to INR in detail →

On the map

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Highest

Between locations

Mumbai (Bombay) Ternopil 5,380 km ≈ 7 h nonstop flight

From you

Mumbai (Bombay)
Ternopil

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

Mumbai (Bombay) vs Ternopil: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $811 in Mumbai (Bombay) and $712 in Ternopil, so Ternopil is about 12% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 50% higher in Mumbai (Bombay), 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: $609 in Mumbai (Bombay) versus $290 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Mumbai (Bombay) pay roughly 25% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ternopil – a meal for two runs $20 versus $27 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,200 a month, though Ternopil gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.

It comes down to priorities – Ternopil wins on affordability, Mumbai (Bombay) on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.