Last update: Oct 2026

Cost of Living Comparison Between Terni and Lugo

For one person, living is cheaper in Terni: $1,299 a month against $1,532 in Lugo, rent and utilities included – about $2,800 less a year. Rent and utilities account for most of the difference.

63

Cost of Living Index in Terni
Learn more

Terni Living Index
73

Cost of Living Index in Lugo
Learn more

Lugo Living Index

Jump to prices

Terni

🇮🇹 Italy

$1,299

/mo nomad

Lugo

🇪🇸 Spain

$1,532

/mo nomad

Monthly Cost of Living

How much you'll spend in Terni and in Lugo

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 Lugo actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,299 in Terni versus $1,532 in Lugo.

Terni $1,299
Lugo $1,532

Estimated couple costs with rent: $1,995 in Terni versus $2,263 in Lugo.

Terni $1,995
Lugo $2,263

Monthly costs for a family of three with rent: $2,691 in Terni versus $2,994 in Lugo.

Terni $2,691
Lugo $2,994

Living in Terni costs roughly 15% less than in Lugo, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Terni is 5% below, Lugo is 13% above.

Meal at Budget Restaurant

$16.55 €14.82

$13.18 €11.81

25.57%

Three-Course Dinner for Two, Mid-Range

$66.7 €59.8

$55.4 €49.63

20.39%

Fast Food Meal (McDonalds, etc)

$13.54 €12.12

$9.90 €8.86

36.77%

Cappuccino

$1.69 €1.51

$2.09 €1.87

-19.14%

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

$2.54 €2.28

$2.78 €2.49

-8.63%

Water (0.33 liter bottle)

$1.03 €0.93

$1.51 €1.35

-31.79%

Local Beer (0.5 liter draught)

$4.35 €3.90

$3.26 €2.92

33.44%

Imported Beer (0.33 liter bottle)

$5.74 €5.14

$2.18 €1.95

163.30%

Milk (1 liter)

$1.22 €1.09

$1.16 €1.04

5.17%

White Bread (500g)

$1.70 €1.52

$1.17 €1.04

45.30%

Rice (white) (1kg)

$2.17 €1.95

$1.31 €1.18

65.65%

Eggs

$3.82 €3.42

$2.64 €2.37

44.70%

Local Cheese (1kg)

$13.38 €11.98

$13.63 €12.20

-1.83%

Chicken Fillets (1kg)

$9.20 €8.24

$6.32 €5.66

45.57%

Beef Round Steak (1kg)

$13.33 €11.94

$16.72 €14.97

-20.28%

Apples (1kg)

$1.13 €1.02

$2.84 €2.55

-60.21%

Banana (1kg)

$1.13 €1.01

$2.08 €1.86

-45.67%

Oranges (1kg)

$1.13 €1.01

$2.27 €2.03

-50.22%

Tomato (1kg)

$2.27 €2.03

$3.53 €3.16

-35.69%

Potato (1kg)

$0.74 €0.66

$1.11 €0.99

-33.33%

Onion (1kg)

$1.48 €1.32

$2.21 €1.98

-33.03%

Lettuce (1 head)

$0.75 €0.67

$1.43 €1.28

-47.55%

Water (1.5 liter bottle)

$0.36 €0.32

$0.84 €0.75

-57.14%

Cigarettes 20 Pack (Marlboro, Camel)

$6.59 €5.90

$5.86 €5.25

12.46%

Wine (Bottle)

$8.00 €7.17

$4.60 €4.12

73.91%

Local Beer (0.5 liter bottle)

$1.14 €1.02

$1.51 €1.36

-24.50%

Imported Beer (0.33 liter bottle)

$1.51 €1.36

$2.81 €2.52

-46.26%

One-way Ticket (Public Transport)

$1.59 €1.42

$0.74 €0.66

114.86%

Public Transport Monthly Pass (Regular Price)

$34.20 €30.63

$34.10 €30.54

0.29%

Taxi Start (Normal Tariff)

$3.63 €3.26

$5.33 €4.77

-31.89%

Taxi (Normal Tariff) (1km)

$1.26 €1.13

$1.36 €1.22

-7.35%

Taxi 1hour Waiting (Normal Tariff)

$30.81 €27.60

$18.67 €16.72

65.02%

Gasoline (1 liter)

$2.14 €1.92

$1.73 €1.55

23.70%

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

$33.0K €29.6K

$29.4K €26.3K

12.54%

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

$36.3K €32.5K

$30.2K €27.1K

19.93%

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

$150 €135

$146 €130

3.19%

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

$11.46 €10.27

$19.54 €17.50

-41.35%

Internet (50+ Mbps, Unlimited Data)

$30.69 €27.49

$32.70 €29.28

-6.15%

Gym Membership (Monthly)

$54.8 €49.09

$44.61 €39.95

22.89%

Tennis Court (1 Hour on Weekend)

$11.20 €10.03

$15.78 €14.14

-29.02%

Cinema Ticket

$11.15 €9.99

$8.98 €8.04

24.16%

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

$329 €295

$343 €307

-3.96%

International Primary School, 1 Child (Yearly)

$16.5K €14.8K

$8,492 €7,606

94.30%

Jeans (Levis 501 Or Similar)

$84.9 €76.0

$106 €95.1

-20.08%

Summer Dress (H&M, Zara, etc)

$33.72 €30.20

$73.6 €65.9

-54.17%

Sport Shoes (Adidas, Nike)

$106 €94.9

$123 €111

-14.16%

Men's Leather Business Shoes

$78.4 €70.2

$142 €127

-44.82%

1-bedroom Apartment, City Center (Monthly)

$340 €304

$858 €768

-60.43%

1-bedroom Apartment, Outside City Center (Monthly)

$357 €320

$563 €504

-36.53%

3-bedroom Apartment, City Center (Monthly)

$648 €580

$1,351 €1,210

-52.02%

3-bedroom Apartment, Outside City Center (Monthly)

$519 €465

$794 €711

-34.66%

Buy Apartment in City Center (m2)

$1,363 €1,221

$3,293 €2,950

-58.61%

Buy Apartment Outside City Center (m2)

$784 €702

$2,264 €2,028

-65.36%

Average Monthly Net Salary (After Tax)

$1,468 €1,315

$1,738 €1,557

-15.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.16

2.96

6.76%

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

Last update for Terni: October 26, 2026

Last update for Lugo: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Terni

$357 27.5%

Lugo

$563 36.7% 57.6% $206

Groceries & Markets

Terni

$245 18.9%

Lugo

$261 17% 6.6% $16

Eating Out

Terni

$241 18.5%

Lugo

$198 12.9% 17.8% $43

Monthly Utilities & Internet

Terni

$192 14.8%

Lugo

$198 12.9% 2.8% $5.4

Clothing & Footwear

Terni

$136 10.5%

Lugo

$200 13.1% 47% $64

Sport & Entertainment

Terni

$77 5.9%

Lugo

$63 4.1% 18.9% $15

Getting Around

Terni

$51 3.9%

Lugo

$49 3.2% 2.7% $1.4

Cost Breakdown

A one-bedroom apartment in the center runs $340 in Terni and $858 in Lugo. Housing cost is often the main lever when comparing two cities.

Lugo pays 18% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $67 in Terni vs $55 in Lugo. Groceries flip the comparison at $245 vs $261, with Terni cheaper for home cooking.

Good to know

🇮🇹 Terni

🇪🇸 Lugo

🕒 Local time

17:27 5:27 PM

Same time as Terni

🌤 Weather

👥 Population

106,677

98,214

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Terni Lugo 1,650 km ≈ 2 h 30 min nonstop flight

From you

Terni
Lugo

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 Lugo: Cost of Living - Frequently Asked Questions

Terni is about 15% cheaper overall, especially in clothing, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 16% lower in Terni. 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: $340 in Terni versus $858 in Lugo. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 7% higher in Lugo. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,299 per month in Terni versus $1,532 in Lugo – Terni is about 15% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Terni is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

For families, Terni is more practical. Housing and childcare are both notably cheaper than in Lugo, and the savings on those two alone free up budget for education, activities, and family trips.

It comes down to priorities – Terni wins on affordability, Lugo on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.