Last update: Oct 2026

Cost of Living Comparison Between Sofia and Terni

For one person, living is cheaper in Terni: $1,286 a month against $1,594 in Sofia, rent and utilities included – about $3,700 less a year. Rent and utilities account for most of the difference.

78

Cost of Living Index in Sofia
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Sofia Living Index
63

Cost of Living Index in Terni
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Terni Living Index

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Sofia

🇧🇬 Bulgaria

$1,594

/mo nomad

Terni

🇮🇹 Italy

$1,286

/mo nomad

Monthly Cost of Living

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

A single person spends $1,594 per month in Sofia vs $1,286 in Terni, rent included.

Sofia $1,594
Terni $1,286

A couple spends around $2,478 per month in Sofia vs $1,984 in Terni, rent included.

Sofia $2,478
Terni $1,984

A family of three spends $3,361 per month in Sofia vs $2,683 in Terni, rent included.

Sofia $3,361
Terni $2,683

Sofia costs about 24% more than Terni, and outside of rent the biggest gap is in groceries.

Sofia sits 18% above the global median, while Terni is 5% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$16.87 BGN 29.35

$16.99 €15.11

-0.71%

Three-Course Dinner for Two, Mid-Range

$65.8 BGN 115

$68.1 €60.6

-3.35%

Fast Food Meal (McDonalds, etc)

$11.32 BGN 19.69

$13.15 €11.69

-13.92%

Cappuccino

$3.43 BGN 5.98

$1.63 €1.45

110.43%

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

$2.41 BGN 4.19

$2.62 €2.33

-8.02%

Water (0.33 liter bottle)

$1.85 BGN 3.22

$1.00 €0.89

85.00%

Local Beer (0.5 liter draught)

$3.70 BGN 6.44

$4.49 €3.99

-17.59%

Imported Beer (0.33 liter bottle)

$4.58 BGN 7.97

$5.56 €4.95

-17.63%

Milk (1 liter)

$2.02 BGN 3.51

$1.25 €1.11

61.60%

White Bread (500g)

$1.56 BGN 2.72

$1.70 €1.51

-8.24%

Rice (white) (1kg)

$2.33 BGN 4.05

$2.20 €1.95

5.91%

Eggs

$4.36 BGN 7.59

$3.34 €2.97

30.54%

Local Cheese (1kg)

$11.76 BGN 20.47

$13.53 €12.04

-13.08%

Chicken Fillets (1kg)

$8.83 BGN 15.37

$8.89 €7.91

-0.67%

Beef Round Steak (1kg)

$17.46 BGN 30.38

$13.44 €11.96

29.91%

Apples (1kg)

$2.15 BGN 3.74

$1.14 €1.01

88.60%

Banana (1kg)

$1.98 BGN 3.44

$1.15 €1.02

72.17%

Oranges (1kg)

$1.93 BGN 3.37

$1.14 €1.01

69.30%

Tomato (1kg)

$4.24 BGN 7.37

$2.28 €2.02

85.96%

Potato (1kg)

$1.04 BGN 1.80

$0.76 €0.68

36.84%

Onion (1kg)

$0.85 BGN 1.48

$1.42 €1.26

-40.14%

Lettuce (1 head)

$1.15 BGN 2.00

$0.75 €0.67

53.33%

Water (1.5 liter bottle)

$0.89 BGN 1.56

$0.32 €0.28

178.13%

Cigarettes 20 Pack (Marlboro, Camel)

$4.21 BGN 7.33

$6.60 €5.87

-36.21%

Wine (Bottle)

$7.46 BGN 12.98

$5.70 €5.07

30.88%

Local Beer (0.5 liter bottle)

$1.15 BGN 2.01

$1.13 €1.01

1.77%

Imported Beer (0.33 liter bottle)

$1.85 BGN 3.23

$1.59 €1.42

16.35%

One-way Ticket (Public Transport)

$0.87 BGN 1.51

$1.58 €1.41

-44.94%

Public Transport Monthly Pass (Regular Price)

$28.53 BGN 49.65

$33.00 €29.35

-13.55%

Taxi Start (Normal Tariff)

$1.68 BGN 2.93

$5.49 €4.88

-69.40%

Taxi (Normal Tariff) (1km)

$0.94 BGN 1.63

$1.42 €1.26

-33.80%

Taxi 1hour Waiting (Normal Tariff)

$15.35 BGN 26.70

$24.78 €22.04

-38.05%

Gasoline (1 liter)

$1.69 BGN 2.94

$2.11 €1.88

-19.91%

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

$29.8K BGN 51.9K

$33.3K €29.6K

-10.43%

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

$26.1K BGN 45.5K

$34.6K €30.7K

-24.36%

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

$156 BGN 272

$148 €132

5.30%

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

$21.56 BGN 37.52

$8.26 €7.35

161.02%

Internet (50+ Mbps, Unlimited Data)

$15.24 BGN 26.51

$30.52 €27.15

-50.07%

Gym Membership (Monthly)

$46.08 BGN 80.2

$56.0 €49.77

-17.64%

Tennis Court (1 Hour on Weekend)

$27.92 BGN 48.58

$11.27 €10.03

147.74%

Cinema Ticket

$10.18 BGN 17.72

$10.30 €9.16

-1.17%

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

$774 BGN 1,347

$333 €296

132.55%

International Primary School, 1 Child (Yearly)

$12.8K BGN 22.3K

$12.1K €10.7K

5.96%

Jeans (Levis 501 Or Similar)

$89.9 BGN 157

$82.8 €73.6

8.69%

Summer Dress (H&M, Zara, etc)

$41.29 BGN 71.8

$32.90 €29.26

25.50%

Sport Shoes (Adidas, Nike)

$105 BGN 183

$101 €89.6

4.39%

Men's Leather Business Shoes

$107 BGN 186

$78.7 €70.0

35.61%

1-bedroom Apartment, City Center (Monthly)

$783 BGN 1,362

$339 €301

131.02%

1-bedroom Apartment, Outside City Center (Monthly)

$597 BGN 1,038

$357 €318

66.97%

3-bedroom Apartment, City Center (Monthly)

$1,516 BGN 2,638

$637 €566

138.18%

3-bedroom Apartment, Outside City Center (Monthly)

$1,030 BGN 1,792

$527 €469

95.31%

Buy Apartment in City Center (m2)

$4,350 BGN 7,568

$1,348 €1,199

222.68%

Buy Apartment Outside City Center (m2)

$3,177 BGN 5,528

$789 €702

302.69%

Average Monthly Net Salary (After Tax)

$1,735 BGN 3,019

$1,454 €1,293

19.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.89

3.02

-4.30%

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

Last update for Sofia: October 13, 2026

Last update for Terni: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Sofia

$597 37.4%

Terni

$357 27.8% 40.1% $239

Groceries & Markets

Sofia

$290 18.2%

Terni

$238 18.5% 18.2% $53

Eating Out

Sofia

$255 16%

Terni

$243 18.9% 4.7% $12

Monthly Utilities & Internet

Sofia

$193 12.1%

Terni

$187 14.5% 3% $5.9

Clothing & Footwear

Sofia

$154 9.7%

Terni

$133 10.3% 14% $22

Sport & Entertainment

Sofia

$66 4.2%

Terni

$77 6% 15.2% $10

Getting Around

Sofia

$38 2.4%

Terni

$52 4% 35.3% $14

Cost Breakdown

A central one-bedroom costs $783 in Sofia versus $339 in Terni. 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 19% higher in Sofia, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $66.0 in Sofia versus $68.0 in Terni. Groceries tell a different story – $290 in Sofia vs $238 in Terni – so Terni wins on supermarket bills even if dining out costs more.

Good to know

🇧🇬 Sofia

🇮🇹 Terni

🕒 Local time

06:15 6:15 AM

05:15 5:15 AM

1 h behind Sofia

🌤 Weather

👥 Population

1,286,383 Capital

106,677

💱 Currency

Bulgarian Lev BGN лв.

Euro EUR €

📈 Exchange rate

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to BGN – Bulgarian Lev Converter

🇺🇸 United States Dollar ($)

🇧🇬 Bulgarian Lev (лв.)

Bulgarian Lev exchange rates as of October 19, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

Euro exchange rates as of October 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to BGN in detail →

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Between locations

Sofia Terni 870 km ≈ 1 h 30 min nonstop flight

From you

Sofia
Terni

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

Sofia vs Terni: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,594 in Sofia, $1,286 in Terni – roughly 24% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,391 per month in Sofia and $1,929 in Terni. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Monthly expenses with rent come to $1,594 in Sofia and $1,286 in Terni. That's a gap of about 24%.

Public transport costs about 16% less in Terni. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Terni, where all-in costs run around $1,286, than in Sofia at $1,594. In Terni it covers expenses comfortably, while in Sofia it requires careful planning or may not stretch far enough.

It depends on your priorities. Sofia has an edge in some lifestyle areas, with costs from $1,286 in Terni to $1,594 in Sofia. Climate, culture, job market, and personal taste all factor in.

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 Terni. If higher salaries, better infrastructure, or specific career opportunities are the priority, Sofia makes more sense. Both are solid long-term options with distinct trade-offs.