Cost of Living Comparison Between Naples and Terni Cost of Living Comparison Between Naples and Terni

Monthly Cost of Living

Monthly costs for one person with rent: $1,873 in Naples versus $1,316 in Terni.

Estimated couple costs with rent: $2,899 in Naples versus $2,040 in Terni.

Monthly costs for a family of three with rent: $3,924 in Naples versus $2,764 in Terni.

Living in Naples is roughly 42% more expensive than in Terni, driven mainly by Groceries & Markets.

The two cities straddle the global median: Naples is 36% above, Terni is 5% below.

Meal at Budget Restaurant

$17.25 €14.87

$17.61 €15.18

-2.04%

Three-Course Dinner for Two, Mid-Range

$81.8 €70.5

$68.5 €59.1

19.40%

Fast Food Meal (McDonalds, etc)

$11.43 €9.85

$14.16 €12.21

-19.28%

Cappuccino

$2.30 €1.98

$1.72 €1.49

33.72%

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

$2.46 €2.12

$2.75 €2.37

-10.55%

Water (0.33 liter bottle)

$1.26 €1.08

$1.05 €0.90

20.00%

Local Beer (0.5 liter draught)

$5.89 €5.08

$4.79 €4.13

22.96%

Imported Beer (0.33 liter bottle)

$4.90 €4.22

$5.78 €4.98

-15.22%

Milk (1 liter)

$1.92 €1.66

$1.25 €1.08

53.60%

White Bread (500g)

$1.86 €1.60

$1.75 €1.51

6.29%

Rice (white) (1kg)

$3.28 €2.83

$2.28 €1.97

43.86%

Eggs

$4.59 €3.95

$3.47 €3.00

32.28%

Local Cheese (1kg)

$16.00 €13.79

$13.73 €11.83

16.53%

Chicken Fillets (1kg)

$12.54 €10.81

$9.27 €7.99

35.28%

Beef Round Steak (1kg)

$20.63 €17.78

$14.00 €12.07

47.36%

Apples (1kg)

$2.53 €2.18

$1.19 €1.03

112.61%

Banana (1kg)

$2.09 €1.80

$1.14 €0.99

83.33%

Oranges (1kg)

$2.30 €1.98

$1.14 €0.98

101.75%

Tomato (1kg)

$3.60 €3.10

$2.33 €2.01

54.51%

Potato (1kg)

$1.73 €1.49

$0.79 €0.68

118.99%

Onion (1kg)

$1.74 €1.50

$1.47 €1.26

18.37%

Lettuce (1 head)

$1.32 €1.14

$0.79 €0.68

67.09%

Water (1.5 liter bottle)

$0.60 €0.52

$0.37 €0.32

62.16%

Cigarettes 20 Pack (Marlboro, Camel)

$7.37 €6.35

$6.79 €5.85

8.54%

Wine (Bottle)

$7.30 €6.29

$5.75 €4.95

26.96%

Local Beer (0.5 liter bottle)

$1.93 €1.66

$1.19 €1.02

62.18%

Imported Beer (0.33 liter bottle)

$3.13 €2.70

$1.56 €1.34

100.64%

One-way Ticket (Public Transport)

$1.78 €1.53

$1.66 €1.43

7.23%

Public Transport Monthly Pass (Regular Price)

$47.79 €41.20

$35.49 €30.60

34.66%

Taxi Start (Normal Tariff)

$4.68 €4.03

$5.42 €4.67

-13.65%

Taxi (Normal Tariff) (1km)

$1.26 €1.09

$1.55 €1.34

-18.71%

Taxi 1hour Waiting (Normal Tariff)

$23.97 €20.66

$25.09 €21.63

-4.46%

Gasoline (1 liter)

$2.16 €1.86

$2.10 €1.81

2.86%

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

$37.2K €32.1K

$35.1K €30.3K

5.94%

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

$37.0K €31.9K

$36.3K €31.3K

2.03%

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

$204 €176

$158 €136

28.77%

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

$9.80 €8.45

$8.39 €7.23

16.81%

Internet (50+ Mbps, Unlimited Data)

$31.30 €26.98

$31.81 €27.42

-1.60%

Gym Membership (Monthly)

$61.5 €53.0

$58.5 €50.4

5.11%

Tennis Court (1 Hour on Weekend)

$20.41 €17.59

$11.43 €9.85

78.57%

Cinema Ticket

$11.77 €10.15

$10.54 €9.08

11.67%

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

$470 €405

$343 €295

37.27%

International Primary School, 1 Child (Yearly)

$8,150 €7,026

$12.6K €10.8K

-35.20%

Jeans (Levis 501 Or Similar)

$99.2 €85.5

$85.7 €73.9

15.80%

Summer Dress (H&M, Zara, etc)

$43.95 €37.89

$31.43 €27.09

39.83%

Sport Shoes (Adidas, Nike)

$107 €92.7

$96.8 €83.5

11.02%

Men's Leather Business Shoes

$131 €113

$80.2 €69.1

63.22%

1-bedroom Apartment, City Center (Monthly)

$1,032 €889

$343 €296

200.55%

1-bedroom Apartment, Outside City Center (Monthly)

$710 €612

$371 €320

91.37%

3-bedroom Apartment, City Center (Monthly)

$1,934 €1,667

$661 €570

192.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,171 €1,009

$538 €464

117.60%

Buy Apartment in City Center (m2)

$4,873 €4,200

$1,389 €1,197

250.91%

Buy Apartment Outside City Center (m2)

$2,217 €1,911

$823 €710

169.37%

Average Monthly Net Salary (After Tax)

$1,955 €1,685

$1,558 €1,343

25.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.09

3.04

1.64%

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

Last update for Naples: September 6, 2026

Last update for Terni: September 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,032 in Naples and $343 in Terni. Housing cost is often the main lever when comparing two cities.

Naples pays 25% 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: $82.0 in Naples vs $69.0 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.

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 42% 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 25% 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: $1,032 in Naples versus $343 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 $69.0 versus $82.0 in Naples. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,873 per month in Naples versus $1,316 in Terni – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,316 in Terni versus $1,873 in Naples, a $1,000 budget is realistic in Terni but tight or insufficient in Naples. 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.

Expats usually find Terni gentler on the wallet – expenses run 42% less than in Naples. Beyond cost, consider language, visa policies, and how big the international community is in each city.