Cost of Living Comparison Between Terni and Lugo Cost of Living Comparison Between Terni and Lugo

Monthly Cost of Living

Monthly costs for one person with rent: $1,357 in Terni versus $1,590 in Lugo.

Estimated couple costs with rent: $2,044 in Terni versus $2,328 in Lugo.

Monthly costs for a family of three with rent: $2,732 in Terni versus $3,066 in Lugo.

Living in Terni costs roughly 15% less than in Lugo, driven mainly by Clothing & Footwear.

The two cities straddle the global median: Terni is 1% below, Lugo is 16% above.

Meal at Budget Restaurant

$17.10 €14.82

$13.67 €11.85

25.09%

Three-Course Dinner for Two, Mid-Range

$70.4 €61.0

$58.0 €50.2

21.42%

Fast Food Meal (McDonalds, etc)

$13.88 €12.03

$10.54 €9.14

31.69%

Cappuccino

$1.65 €1.43

$2.18 €1.89

-24.31%

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

$2.74 €2.38

$3.04 €2.63

-9.87%

Water (0.33 liter bottle)

$1.04 €0.90

$1.53 €1.32

-32.03%

Local Beer (0.5 liter draught)

$4.52 €3.91

$3.54 €3.07

27.68%

Imported Beer (0.33 liter bottle)

$5.86 €5.08

$2.36 €2.04

148.31%

Milk (1 liter)

$1.24 €1.08

$1.21 €1.05

2.48%

White Bread (500g)

$1.74 €1.51

$1.19 €1.03

46.22%

Rice (white) (1kg)

$2.34 €2.03

$1.44 €1.25

62.50%

Eggs

$3.31 €2.86

$2.84 €2.46

16.55%

Local Cheese (1kg)

$13.81 €11.97

$13.63 €11.81

1.32%

Chicken Fillets (1kg)

$9.04 €7.83

$6.25 €5.42

44.64%

Beef Round Steak (1kg)

$13.74 €11.91

$17.28 €14.97

-20.49%

Apples (1kg)

$1.19 €1.03

$2.96 €2.56

-59.80%

Banana (1kg)

$1.18 €1.02

$2.20 €1.91

-46.36%

Oranges (1kg)

$1.17 €1.02

$2.35 €2.04

-50.21%

Tomato (1kg)

$2.29 €1.98

$3.56 €3.08

-35.67%

Potato (1kg)

$0.85 €0.73

$1.13 €0.98

-24.78%

Onion (1kg)

$1.51 €1.31

$2.29 €1.98

-34.06%

Lettuce (1 head)

$0.78 €0.68

$1.41 €1.22

-44.68%

Water (1.5 liter bottle)

$0.33 €0.29

$0.88 €0.76

-62.50%

Cigarettes 20 Pack (Marlboro, Camel)

$6.97 €6.04

$6.09 €5.28

14.45%

Wine (Bottle)

$5.64 €4.88

$4.56 €3.95

23.68%

Local Beer (0.5 liter bottle)

$1.18 €1.02

$1.55 €1.34

-23.87%

Imported Beer (0.33 liter bottle)

$1.49 €1.29

$2.95 €2.55

-49.49%

One-way Ticket (Public Transport)

$1.58 €1.37

$0.78 €0.67

102.56%

Public Transport Monthly Pass (Regular Price)

$34.77 €30.13

$30.49 €26.42

14.04%

Taxi Start (Normal Tariff)

$5.42 €4.70

$5.58 €4.84

-2.87%

Taxi (Normal Tariff) (1km)

$1.53 €1.33

$1.42 €1.23

7.75%

Taxi 1hour Waiting (Normal Tariff)

$25.34 €21.96

$19.09 €16.55

32.74%

Gasoline (1 liter)

$2.00 €1.73

$1.71 €1.48

16.96%

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

$34.9K €30.2K

$30.3K €26.2K

15.20%

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

$36.0K €31.2K

$31.1K €27.0K

15.61%

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

$154 €133

$148 €128

4.12%

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

$8.22 €7.12

$19.83 €17.18

-58.55%

Internet (50+ Mbps, Unlimited Data)

$32.14 €27.85

$34.68 €30.06

-7.32%

Gym Membership (Monthly)

$57.0 €49.42

$45.89 €39.77

24.28%

Tennis Court (1 Hour on Weekend)

$11.51 €9.97

$14.32 €12.41

-19.62%

Cinema Ticket

$10.74 €9.30

$9.09 €7.88

18.15%

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

$348 €301

$360 €312

-3.43%

International Primary School, 1 Child (Yearly)

$12.5K €10.8K

$8,625 €7,475

44.42%

Jeans (Levis 501 Or Similar)

$88.0 €76.3

$110 €95.2

-19.84%

Summer Dress (H&M, Zara, etc)

$31.98 €27.71

$76.6 €66.4

-58.23%

Sport Shoes (Adidas, Nike)

$97.8 €84.8

$126 €109

-22.10%

Men's Leather Business Shoes

$79.6 €69.0

$145 €126

-45.11%

1-bedroom Apartment, City Center (Monthly)

$353 €306

$964 €835

-63.40%

1-bedroom Apartment, Outside City Center (Monthly)

$383 €332

$566 €491

-32.41%

3-bedroom Apartment, City Center (Monthly)

$673 €583

$1,405 €1,218

-52.12%

3-bedroom Apartment, Outside City Center (Monthly)

$545 €472

$818 €709

-33.41%

Buy Apartment in City Center (m2)

$1,403 €1,216

$3,493 €3,027

-59.82%

Buy Apartment Outside City Center (m2)

$803 €696

$2,305 €1,998

-65.17%

Average Monthly Net Salary (After Tax)

$1,545 €1,339

$1,814 €1,572

-14.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.04

2.96

2.70%

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

Last update for Terni: September 13, 2026

Last update for Lugo: September 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $353 in Terni and $964 in Lugo. Housing cost is often the main lever when comparing two cities.

Lugo pays 17% 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: $70.0 in Terni vs $58.0 in Lugo. Groceries flip the comparison at $242 vs $267, with Terni cheaper for home cooking.

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 Lugo: Cost of Living - Frequently Asked Questions

Terni is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Monthly Utilities & Internet. The 17% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 17% lower in Lugo. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $353 in Terni versus $964 in Lugo. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $348 in Terni versus $360 in Lugo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 10% higher in Lugo. For households that cook at home regularly, that difference adds up over a month.

At $1,357 in Terni versus $1,590 in Lugo, a $1,000 budget is realistic in Terni but tight or insufficient in Lugo. 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.

Safety-wise, Terni and Lugo 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 17% less than in Lugo. Beyond cost, consider language, visa policies, and how big the international community is in each city.