Last update: Oct 2026

Cost of Living Comparison Between Odesa and Ternopil

For one person, living is cheaper in Ternopil: $690 a month against $810 in Odesa, rent and utilities included – about $1,400 less a year. Other living expenses account for most of the difference.

39

Cost of Living Index in Odesa
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Odesa Living Index
33

Cost of Living Index in Ternopil
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Ternopil Living Index

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Odesa

🇺🇦 Ukraine

$810

/mo nomad

Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Monthly Cost of Living

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

A single person spends $810 per month in Odesa vs $690 in Ternopil, rent included.

Odesa $810
Ternopil $690

A couple spends around $1,306 per month in Odesa vs $1,143 in Ternopil, rent included.

Odesa $1,306
Ternopil $1,143

A family of three spends $1,801 per month in Odesa vs $1,595 in Ternopil, rent included.

Odesa $1,801
Ternopil $1,595

Odesa costs about 17% more than Ternopil, and outside of rent the biggest gap is in eating out.

Both Odesa and Ternopil are more affordable than the global median – Odesa 40% lower, Ternopil 49% lower.

Meal at Budget Restaurant

$7.83 ₴352

$3.36 ₴151

133.04%

Three-Course Dinner for Two, Mid-Range

$35.07 ₴1,574

$20.07 ₴901

74.74%

Fast Food Meal (McDonalds, etc)

$5.61 ₴252

$5.45 ₴245

2.94%

Cappuccino

$1.55 ₴69.5

$1.22 ₴54.6

27.05%

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

$0.85 ₴38.13

$0.69 ₴30.83

23.19%

Water (0.33 liter bottle)

$0.79 ₴35.38

$0.51 ₴22.79

54.90%

Local Beer (0.5 liter draught)

$1.75 ₴78.5

$0.90 ₴40.56

94.44%

Imported Beer (0.33 liter bottle)

$2.14 ₴96.1

$1.54 ₴69.1

38.96%

Milk (1 liter)

$1.31 ₴58.6

$1.34 ₴60.2

-2.24%

White Bread (500g)

$0.73 ₴32.89

$0.72 ₴32.38

1.39%

Rice (white) (1kg)

$1.76 ₴78.8

$2.00 ₴89.8

-12.00%

Eggs

$2.09 ₴93.7

$1.96 ₴87.8

6.63%

Local Cheese (1kg)

$9.70 ₴436

$7.95 ₴357

22.01%

Chicken Fillets (1kg)

$5.30 ₴238

$3.99 ₴179

32.83%

Beef Round Steak (1kg)

$7.06 ₴317

$5.93 ₴266

19.06%

Apples (1kg)

$1.24 ₴55.9

$0.72 ₴32.20

72.22%

Banana (1kg)

$1.50 ₴67.2

$1.58 ₴70.8

-5.06%

Oranges (1kg)

$2.02 ₴90.6

$1.43 ₴64.2

41.26%

Tomato (1kg)

$3.05 ₴137

$2.73 ₴123

11.72%

Potato (1kg)

$0.73 ₴32.84

$0.54 ₴24.26

35.19%

Onion (1kg)

$0.47 ₴20.98

$0.39 ₴17.59

20.51%

Lettuce (1 head)

$1.55 ₴69.7

$1.36 ₴61.3

13.97%

Water (1.5 liter bottle)

$0.53 ₴23.66

$0.52 ₴23.17

1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₴134

$2.69 ₴121

11.15%

Wine (Bottle)

$5.58 ₴251

$3.25 ₴146

71.69%

Local Beer (0.5 liter bottle)

$0.88 ₴39.36

$0.88 ₴39.52

Imported Beer (0.33 liter bottle)

$1.51 ₴68.0

$2.35 ₴106

-35.74%

One-way Ticket (Public Transport)

$0.42 ₴18.87

$0.39 ₴17.61

7.69%

Public Transport Monthly Pass (Regular Price)

$20.19 ₴906

Taxi Start (Normal Tariff)

$1.80 ₴80.8

$1.42 ₴63.7

26.76%

Taxi (Normal Tariff) (1km)

$0.35 ₴15.54

$0.37 ₴16.82

-5.41%

Taxi 1hour Waiting (Normal Tariff)

$4.40 ₴198

$4.08 ₴183

7.84%

Gasoline (1 liter)

$1.80 ₴80.7

$1.57 ₴70.7

14.65%

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

$29.5K ₴1.3M

$31.5K ₴1.4M

-6.30%

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

$24.9K ₴1.1M

$25.1K ₴1.1M

-0.86%

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

$112 ₴5,011

$55.4 ₴2,488

101.39%

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

$6.91 ₴310

$4.74 ₴213

45.78%

Internet (50+ Mbps, Unlimited Data)

$6.48 ₴291

$4.92 ₴221

31.71%

Gym Membership (Monthly)

$22.15 ₴994

$20.69 ₴929

7.06%

Tennis Court (1 Hour on Weekend)

$12.80 ₴575

$13.84 ₴621

-7.51%

Cinema Ticket

$5.64 ₴253

$3.59 ₴161

57.10%

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

$257 ₴11.5K

$245 ₴11.0K

5.10%

International Primary School, 1 Child (Yearly)

$3,745 ₴168.1K

Jeans (Levis 501 Or Similar)

$66.0 ₴2,962

$49.54 ₴2,224

33.19%

Summer Dress (H&M, Zara, etc)

$43.68 ₴1,961

$46.86 ₴2,103

-6.79%

Sport Shoes (Adidas, Nike)

$87.0 ₴3,906

$98.6 ₴4,425

-11.75%

Men's Leather Business Shoes

$104 ₴4,665

$90.1 ₴4,043

15.38%

1-bedroom Apartment, City Center (Monthly)

$344 ₴15.4K

$297 ₴13.3K

15.89%

1-bedroom Apartment, Outside City Center (Monthly)

$188 ₴8,426

$234 ₴10.5K

-19.80%

3-bedroom Apartment, City Center (Monthly)

$594 ₴26.7K

$564 ₴25.3K

5.38%

3-bedroom Apartment, Outside City Center (Monthly)

$394 ₴17.7K

$551 ₴24.7K

-28.61%

Buy Apartment in City Center (m2)

$1,603 ₴72.0K

$994 ₴44.6K

61.20%

Buy Apartment Outside City Center (m2)

$901 ₴40.5K

$504 ₴22.6K

78.71%

Average Monthly Net Salary (After Tax)

$487 ₴21.8K

$487 ₴21.9K

-0.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

21.17

-3.77%

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

Last update for Odesa: October 18, 2026

Last update for Ternopil: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Odesa

$188 23.2%

Ternopil

$234 33.9% 24.7% $46

Groceries & Markets

Odesa

$185 22.9%

Ternopil

$160 23.2% 13.6% $25

Clothing & Footwear

Odesa

$135 16.7%

Ternopil

$128 18.6% 5.2% $7

Monthly Utilities & Internet

Odesa

$125 15.4%

Ternopil

$65 9.4% 47.9% $60

Eating Out

Odesa

$118 14.5%

Ternopil

$70 10.2% 40.3% $47

Sport & Entertainment

Odesa

$33 4.1%

Ternopil

$28 4% 16.6% $5.6

Getting Around

Odesa

$25 3.1%

Ternopil

$4.9 * 0.7% 80.9% $21

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $344 in Odesa versus $297 in Ternopil. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 0% higher in Ternopil, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $35.00 in Odesa versus $20.00 in Ternopil. Monthly groceries follow the same trend: $185 vs $160 – making Ternopil the more affordable choice for daily food spending.

Good to know

🇺🇦 Odesa

🇺🇦 Ternopil

🕒 Local time

11:09 11:09 AM

Same time as Odesa

🌤 Weather

👥 Population

1,008,852

218,134

💱 Currency

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

On the map

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Between locations

Odesa Ternopil 510 km ≈ 1 h 15 min nonstop flight

From you

Odesa
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

Odesa vs Ternopil: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $810 in Odesa, $690 in Ternopil – roughly 17% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,215 per month in Odesa and $1,036 in Ternopil. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ternopil, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $35.00 in Odesa and $20.00 in Ternopil. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 16% more in Odesa, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$1,200 covers both cities comfortably – all-in costs are $810 in Odesa and $690 in Ternopil, leaving budget for savings and extras in both cases.

Families tend to lean toward Ternopil – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ternopil. If higher salaries, better infrastructure, or specific career opportunities are the priority, Odesa makes more sense. Both are solid long-term options with distinct trade-offs.