Last update: Oct 2026

Cost of Living Comparison Between Naples and Terni

For one person, living is cheaper in Terni: $1,299 a month against $1,842 in Naples, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

88

Cost of Living Index in Naples
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Naples Living Index
63

Cost of Living Index in Terni
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Terni Living Index

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Naples

🇮🇹 Italy

$1,842

/mo nomad

Terni

🇮🇹 Italy

$1,299

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,842 in Naples versus $1,299 in Terni.

Naples $1,842
Terni $1,299

Estimated couple costs with rent: $2,786 in Naples versus $1,995 in Terni.

Naples $2,786
Terni $1,995

Monthly costs for a family of three with rent: $3,730 in Naples versus $2,691 in Terni.

Naples $3,730
Terni $2,691

Living in Naples is roughly 42% more expensive than in Terni, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Naples is 35% above, Terni is 5% below.

Meal at Budget Restaurant

$16.69 €14.95

$16.55 €14.82

0.85%

Three-Course Dinner for Two, Mid-Range

$74.1 €66.4

$66.7 €59.8

11.05%

Fast Food Meal (McDonalds, etc)

$10.98 €9.83

$13.54 €12.12

-18.91%

Cappuccino

$2.35 €2.10

$1.69 €1.51

39.05%

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

$2.49 €2.23

$2.54 €2.28

-1.97%

Water (0.33 liter bottle)

$1.28 €1.14

$1.03 €0.93

24.27%

Local Beer (0.5 liter draught)

$5.57 €4.99

$4.35 €3.90

28.05%

Imported Beer (0.33 liter bottle)

$5.73 €5.13

$5.74 €5.14

-0.17%

Milk (1 liter)

$2.03 €1.81

$1.22 €1.09

66.39%

White Bread (500g)

$1.92 €1.72

$1.70 €1.52

12.94%

Rice (white) (1kg)

$3.14 €2.81

$2.17 €1.95

44.70%

Eggs

$4.39 €3.93

$3.82 €3.42

14.92%

Local Cheese (1kg)

$16.48 €14.76

$13.38 €11.98

23.17%

Chicken Fillets (1kg)

$12.54 €11.23

$9.20 €8.24

36.30%

Beef Round Steak (1kg)

$20.83 €18.65

$13.33 €11.94

56.26%

Apples (1kg)

$2.51 €2.25

$1.13 €1.02

122.12%

Banana (1kg)

$2.10 €1.88

$1.13 €1.01

85.84%

Oranges (1kg)

$2.28 €2.04

$1.13 €1.01

101.77%

Tomato (1kg)

$3.74 €3.35

$2.27 €2.03

64.76%

Potato (1kg)

$1.74 €1.55

$0.74 €0.66

135.14%

Onion (1kg)

$1.76 €1.58

$1.48 €1.32

18.92%

Lettuce (1 head)

$1.42 €1.27

$0.75 €0.67

89.33%

Water (1.5 liter bottle)

$0.59 €0.53

$0.36 €0.32

63.89%

Cigarettes 20 Pack (Marlboro, Camel)

$6.73 €6.03

$6.59 €5.90

2.12%

Wine (Bottle)

$6.36 €5.70

$8.00 €7.17

-20.50%

Local Beer (0.5 liter bottle)

$1.76 €1.58

$1.14 €1.02

54.39%

Imported Beer (0.33 liter bottle)

$3.02 €2.71

$1.51 €1.36

100.00%

One-way Ticket (Public Transport)

$1.71 €1.53

$1.59 €1.42

7.55%

Public Transport Monthly Pass (Regular Price)

$38.77 €34.72

$34.20 €30.63

13.36%

Taxi Start (Normal Tariff)

$4.40 €3.94

$3.63 €3.26

21.21%

Taxi (Normal Tariff) (1km)

$1.25 €1.12

$1.26 €1.13

-0.79%

Taxi 1hour Waiting (Normal Tariff)

$23.77 €21.28

$30.81 €27.60

-22.85%

Gasoline (1 liter)

$2.16 €1.94

$2.14 €1.92

0.93%

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

$35.1K €31.5K

$33.0K €29.6K

6.30%

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

$36.9K €33.0K

$36.3K €32.5K

1.66%

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

$202 €181

$150 €135

34.54%

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

$9.07 €8.13

$11.46 €10.27

-20.86%

Internet (50+ Mbps, Unlimited Data)

$31.47 €28.19

$30.69 €27.49

2.54%

Gym Membership (Monthly)

$56.5 €50.6

$54.8 €49.09

3.05%

Tennis Court (1 Hour on Weekend)

$20.68 €18.52

$11.20 €10.03

84.64%

Cinema Ticket

$10.25 €9.18

$11.15 €9.99

-8.07%

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

$452 €405

$329 €295

37.47%

International Primary School, 1 Child (Yearly)

$7,863 €7,042

$16.5K €14.8K

-52.35%

Jeans (Levis 501 Or Similar)

$93.2 €83.5

$84.9 €76.0

9.80%

Summer Dress (H&M, Zara, etc)

$42.18 €37.77

$33.72 €30.20

25.09%

Sport Shoes (Adidas, Nike)

$105 €93.6

$106 €94.9

-1.39%

Men's Leather Business Shoes

$135 €121

$78.4 €70.2

71.82%

1-bedroom Apartment, City Center (Monthly)

$986 €883

$340 €304

190.53%

1-bedroom Apartment, Outside City Center (Monthly)

$702 €629

$357 €320

96.65%

3-bedroom Apartment, City Center (Monthly)

$1,879 €1,683

$648 €580

190.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,118 €1,001

$519 €465

115.33%

Buy Apartment in City Center (m2)

$4,503 €4,033

$1,363 €1,221

230.30%

Buy Apartment Outside City Center (m2)

$2,382 €2,133

$784 €702

203.72%

Average Monthly Net Salary (After Tax)

$1,860 €1,666

$1,468 €1,315

26.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.08

3.16

-2.53%

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

Last update for Naples: October 26, 2026

Last update for Terni: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Naples

$702 38.1%

Terni

$357 27.5% 49.1% $345

Groceries & Markets

Naples

$346 18.8%

Terni

$245 18.9% 29.3% $101

Eating Out

Naples

$249 13.5%

Terni

$241 18.5% 3.3% $8.2

Monthly Utilities & Internet

Naples

$243 13.2%

Terni

$192 14.8% 20.7% $50

Clothing & Footwear

Naples

$169 9.2%

Terni

$136 10.5% 19.1% $32

Sport & Entertainment

Naples

$77 4.2%

Terni

$77 5.9% 0.2% $0.1

Getting Around

Naples

$56 3.1%

Terni

$51 3.9% 10.2% $5.8

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Naples and $340 in Terni. Housing cost is often the main lever when comparing two cities.

Naples pays 27% 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: $74 in Naples vs $67 in Terni for a mid-range dinner for two. Groceries echo the gap at $346 vs $245 per month, with Terni cheaper across the board.

Good to know

🇮🇹 Naples

🇮🇹 Terni

🕒 Local time

05:21 5:21 AM

Same time as Naples

🌤 Weather

👥 Population

972,212

106,677

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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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

Naples vs Terni: Cost of Living - Frequently Asked Questions

Terni wins on cost – living expenses run 29% lower than in Naples. Housing and daily spending are where you’ll feel the difference most, making Terni the obvious pick if budget is a priority.

Average pay runs 27% higher in Naples, 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: $986 in Naples versus $340 in Terni. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Terni – a meal for two runs $67 versus $74 in Naples. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,842 per month in Naples versus $1,299 in Terni – Terni is about 29% 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.

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 29% less than in Naples. Beyond cost, consider language, visa policies, and how big the international community is in each city.