Last update: Oct 2026

Cost of Living Comparison Between Terni and Athens

For one person, living is cheaper in Terni: $1,286 a month against $1,775 in Athens, rent and utilities included – about $5,900 less a year. Rent and utilities account for most of the difference.

63

Cost of Living Index in Terni
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Terni Living Index
86

Cost of Living Index in Athens
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Athens Living Index

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Terni

🇮🇹 Italy

$1,286

/mo nomad

Athens

🇬🇷 Greece

$1,775

/mo nomad

Monthly Cost of Living

How much you'll spend in Terni and in Athens

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

Monthly costs for one person with rent: $1,286 in Terni versus $1,775 in Athens.

Terni $1,286
Athens $1,775

Estimated couple costs with rent: $1,984 in Terni versus $2,721 in Athens.

Terni $1,984
Athens $2,721

Monthly costs for a family of three with rent: $2,683 in Terni versus $3,666 in Athens.

Terni $2,683
Athens $3,666

Living in Terni costs roughly 28% less than in Athens, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Terni is 5% below, Athens is 31% above.

Meal at Budget Restaurant

$16.99 €15.11

$16.69 €14.84

1.80%

Three-Course Dinner for Two, Mid-Range

$68.1 €60.6

$67.8 €60.3

0.44%

Fast Food Meal (McDonalds, etc)

$13.15 €11.69

$11.14 €9.91

18.04%

Cappuccino

$1.63 €1.45

$4.03 €3.58

-59.55%

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

$2.62 €2.33

$2.77 €2.46

-5.42%

Water (0.33 liter bottle)

$1.00 €0.89

$0.55 €0.49

81.82%

Local Beer (0.5 liter draught)

$4.49 €3.99

$5.74 €5.10

-21.78%

Imported Beer (0.33 liter bottle)

$5.56 €4.95

$5.45 €4.85

2.02%

Milk (1 liter)

$1.25 €1.11

$1.82 €1.62

-31.32%

White Bread (500g)

$1.70 €1.51

$1.38 €1.23

23.19%

Rice (white) (1kg)

$2.20 €1.95

$2.80 €2.49

-21.43%

Eggs

$3.34 €2.97

$4.83 €4.30

-30.85%

Local Cheese (1kg)

$13.53 €12.04

$15.05 €13.39

-10.10%

Chicken Fillets (1kg)

$8.89 €7.91

$10.63 €9.45

-16.37%

Beef Round Steak (1kg)

$13.44 €11.96

$18.43 €16.39

-27.08%

Apples (1kg)

$1.14 €1.01

$2.20 €1.96

-48.18%

Banana (1kg)

$1.15 €1.02

$1.90 €1.69

-39.47%

Oranges (1kg)

$1.14 €1.01

$1.37 €1.22

-16.79%

Tomato (1kg)

$2.28 €2.02

$2.10 €1.87

8.57%

Potato (1kg)

$0.76 €0.68

$1.08 €0.96

-29.63%

Onion (1kg)

$1.42 €1.26

$1.12 €1.00

26.79%

Lettuce (1 head)

$0.75 €0.67

$1.12 €1.00

-33.04%

Water (1.5 liter bottle)

$0.32 €0.28

$0.88 €0.79

-63.64%

Cigarettes 20 Pack (Marlboro, Camel)

$6.60 €5.87

$5.48 €4.88

20.44%

Wine (Bottle)

$5.70 €5.07

$10.13 €9.01

-43.73%

Local Beer (0.5 liter bottle)

$1.13 €1.01

$2.13 €1.89

-46.95%

Imported Beer (0.33 liter bottle)

$1.59 €1.42

$2.25 €2.00

-29.33%

One-way Ticket (Public Transport)

$1.58 €1.41

$1.36 €1.21

16.18%

Public Transport Monthly Pass (Regular Price)

$33.00 €29.35

$29.89 €26.59

10.40%

Taxi Start (Normal Tariff)

$5.49 €4.88

$4.45 €3.96

23.37%

Taxi (Normal Tariff) (1km)

$1.42 €1.26

$1.02 €0.90

39.22%

Taxi 1hour Waiting (Normal Tariff)

$24.78 €22.04

$16.92 €15.05

46.45%

Gasoline (1 liter)

$2.11 €1.88

$2.25 €2.00

-6.22%

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

$33.3K €29.6K

$28.0K €24.9K

18.69%

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

$34.6K €30.7K

$28.2K €25.1K

22.39%

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

$148 €132

$205 €182

-27.56%

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

$8.26 €7.35

$26.65 €23.71

-69.01%

Internet (50+ Mbps, Unlimited Data)

$30.52 €27.15

$30.38 €27.02

0.46%

Gym Membership (Monthly)

$56.0 €49.77

$54.5 €48.47

2.68%

Tennis Court (1 Hour on Weekend)

$11.27 €10.03

$25.88 €23.02

-56.45%

Cinema Ticket

$10.30 €9.16

$10.42 €9.27

-1.15%

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

$333 €296

$569 €506

-41.51%

International Primary School, 1 Child (Yearly)

$12.1K €10.7K

$12.6K €11.2K

-3.98%

Jeans (Levis 501 Or Similar)

$82.8 €73.6

$88.7 €78.9

-6.67%

Summer Dress (H&M, Zara, etc)

$32.90 €29.26

$40.46 €35.99

-18.69%

Sport Shoes (Adidas, Nike)

$101 €89.6

$105 €93.3

-4.00%

Men's Leather Business Shoes

$78.7 €70.0

$121 €108

-35.13%

1-bedroom Apartment, City Center (Monthly)

$339 €301

$741 €659

-54.27%

1-bedroom Apartment, Outside City Center (Monthly)

$357 €318

$655 €582

-45.39%

3-bedroom Apartment, City Center (Monthly)

$637 €566

$1,300 €1,156

-51.01%

3-bedroom Apartment, Outside City Center (Monthly)

$527 €469

$1,148 €1,021

-54.05%

Buy Apartment in City Center (m2)

$1,348 €1,199

$4,014 €3,570

-66.42%

Buy Apartment Outside City Center (m2)

$789 €702

$3,460 €3,078

-77.20%

Average Monthly Net Salary (After Tax)

$1,454 €1,293

$1,242 €1,105

17.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.02

4.48

-32.59%

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

Last update for Terni: October 13, 2026

Last update for Athens: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Terni

$357 27.8%

Athens

$655 36.9% 83.1% $297

Eating Out

Terni

$243 18.9%

Athens

$268 15.1% 10.4% $25

Groceries & Markets

Terni

$238 18.5%

Athens

$310 17.5% 30.6% $73

Monthly Utilities & Internet

Terni

$187 14.5%

Athens

$262 14.7% 39.9% $75

Clothing & Footwear

Terni

$133 10.3%

Athens

$160 9% 20.4% $27

Sport & Entertainment

Terni

$77 6%

Athens

$75 4.2% 1.6% $1.2

Getting Around

Terni

$52 4%

Athens

$45 2.5% 13.6% $7

Cost Breakdown

A one-bedroom apartment in the center runs $339 in Terni and $741 in Athens. Housing cost is often the main lever when comparing two cities.

Terni pays 17% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $68.0 in Terni vs $68.0 in Athens for a mid-range dinner for two. Groceries echo the gap at $238 vs $310 per month, with Terni cheaper across the board.

Good to know

🇮🇹 Terni

🇬🇷 Athens

🕒 Local time

03:41 3:41 AM

04:41 4:41 AM

1 h ahead of Terni

🌤 Weather

👥 Population

106,677

3,090,508 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Between locations

Terni Athens 1,070 km ≈ 1 h 45 min nonstop flight

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Terni
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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

Terni vs Athens: Cost of Living - Frequently Asked Questions

Terni wins on cost – living expenses run 38% lower than in Athens. 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 17% higher in Terni, 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: $339 in Terni versus $741 in Athens. 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 $68.0 versus $68.0 in Athens. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,286 per month in Terni versus $1,775 in Athens – a 38% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,286 in Terni versus $1,775 in Athens, a $1,000 budget is realistic in Terni but tight or insufficient in Athens. The gap between the two cities makes Terni the clear choice for anyone on this budget.

Both work as nomad bases, but Terni delivers better value – similar infrastructure at $1,286 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Terni hard to pass up.

Safety-wise, Terni and Athens are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Terni gentler on the wallet – expenses run 38% less than in Athens. Beyond cost, consider language, visa policies, and how big the international community is in each city.