Last update: Oct 2026

Cost of Living Comparison Between Terni and Milan

For one person, living is cheaper in Terni: $1,286 a month against $2,560 in Milan, rent and utilities included – about $15,300 less a year. Rent and utilities account for most of the difference.

63

Cost of Living Index in Terni
Learn more

Terni Living Index
124

Cost of Living Index in Milan
Learn more

Milan Living Index

Jump to prices

Terni

🇮🇹 Italy

$1,286

/mo nomad

Milan

🇮🇹 Italy

$2,560

/mo nomad

Monthly Cost of Living

How much you'll spend in Terni and in Milan

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

Monthly costs for one person with rent: $1,286 in Terni versus $2,560 in Milan.

Terni $1,286
Milan $2,560

Estimated couple costs with rent: $1,984 in Terni versus $3,895 in Milan.

Terni $1,984
Milan $3,895

Monthly costs for a family of three with rent: $2,683 in Terni versus $5,230 in Milan.

Terni $2,683
Milan $5,230

Living in Terni costs roughly 50% less than in Milan, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Terni is 5% below, Milan is 90% above.

Meal at Budget Restaurant

$16.99 €15.11

$22.52 €20.03

-24.56%

Three-Course Dinner for Two, Mid-Range

$68.1 €60.6

$89.3 €79.4

-23.73%

Fast Food Meal (McDonalds, etc)

$13.15 €11.69

$13.16 €11.71

-0.08%

Cappuccino

$1.63 €1.45

$2.13 €1.90

-23.47%

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

$2.62 €2.33

$3.67 €3.26

-28.61%

Water (0.33 liter bottle)

$1.00 €0.89

$1.82 €1.62

-45.05%

Local Beer (0.5 liter draught)

$4.49 €3.99

$6.65 €5.92

-32.48%

Imported Beer (0.33 liter bottle)

$5.56 €4.95

$6.64 €5.91

-16.27%

Milk (1 liter)

$1.25 €1.11

$1.70 €1.51

-26.47%

White Bread (500g)

$1.70 €1.51

$3.16 €2.81

-46.20%

Rice (white) (1kg)

$2.20 €1.95

$3.54 €3.15

-37.85%

Eggs

$3.34 €2.97

$4.88 €4.34

-31.56%

Local Cheese (1kg)

$13.53 €12.04

$22.85 €20.33

-40.79%

Chicken Fillets (1kg)

$8.89 €7.91

$14.72 €13.09

-39.61%

Beef Round Steak (1kg)

$13.44 €11.96

$22.77 €20.25

-40.97%

Apples (1kg)

$1.14 €1.01

$3.12 €2.77

-63.46%

Banana (1kg)

$1.15 €1.02

$2.39 €2.12

-51.88%

Oranges (1kg)

$1.14 €1.01

$3.39 €3.02

-66.37%

Tomato (1kg)

$2.28 €2.02

$4.27 €3.80

-46.60%

Potato (1kg)

$0.76 €0.68

$2.38 €2.12

-68.07%

Onion (1kg)

$1.42 €1.26

$2.04 €1.82

-30.39%

Lettuce (1 head)

$0.75 €0.67

$1.75 €1.56

-57.14%

Water (1.5 liter bottle)

$0.32 €0.28

$0.57 €0.51

-43.86%

Cigarettes 20 Pack (Marlboro, Camel)

$6.60 €5.87

$7.46 €6.64

-11.53%

Wine (Bottle)

$5.70 €5.07

$9.58 €8.52

-40.50%

Local Beer (0.5 liter bottle)

$1.13 €1.01

$2.01 €1.79

-43.78%

Imported Beer (0.33 liter bottle)

$1.59 €1.42

$2.46 €2.19

-35.37%

One-way Ticket (Public Transport)

$1.58 €1.41

$2.38 €2.12

-33.61%

Public Transport Monthly Pass (Regular Price)

$33.00 €29.35

$43.27 €38.49

-23.73%

Taxi Start (Normal Tariff)

$5.49 €4.88

$7.67 €6.82

-28.42%

Taxi (Normal Tariff) (1km)

$1.42 €1.26

$2.26 €2.01

-37.17%

Taxi 1hour Waiting (Normal Tariff)

$24.78 €22.04

$65.2 €58.0

-61.99%

Gasoline (1 liter)

$2.11 €1.88

$2.20 €1.96

-4.09%

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

$33.3K €29.6K

$36.5K €32.4K

-8.74%

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

$34.6K €30.7K

$35.4K €31.5K

-2.50%

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

$148 €132

$247 €220

-39.96%

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

$8.26 €7.35

$10.21 €9.08

-19.10%

Internet (50+ Mbps, Unlimited Data)

$30.52 €27.15

$29.16 €25.94

4.66%

Gym Membership (Monthly)

$56.0 €49.77

$82.4 €73.3

-32.08%

Tennis Court (1 Hour on Weekend)

$11.27 €10.03

$34.18 €30.41

-67.03%

Cinema Ticket

$10.30 €9.16

$12.11 €10.77

-14.95%

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

$333 €296

$857 €762

-61.15%

International Primary School, 1 Child (Yearly)

$12.1K €10.7K

$18.6K €16.5K

-34.96%

Jeans (Levis 501 Or Similar)

$82.8 €73.6

$101 €90.2

-18.42%

Summer Dress (H&M, Zara, etc)

$32.90 €29.26

$50.8 €45.21

-35.27%

Sport Shoes (Adidas, Nike)

$101 €89.6

$117 €104

-13.58%

Men's Leather Business Shoes

$78.7 €70.0

$167 €149

-52.98%

1-bedroom Apartment, City Center (Monthly)

$339 €301

$1,731 €1,540

-80.43%

1-bedroom Apartment, Outside City Center (Monthly)

$357 €318

$1,169 €1,040

-69.43%

3-bedroom Apartment, City Center (Monthly)

$637 €566

$3,402 €3,026

-81.29%

3-bedroom Apartment, Outside City Center (Monthly)

$527 €469

$2,036 €1,811

-74.10%

Buy Apartment in City Center (m2)

$1,348 €1,199

$10.5K €9,376

-87.21%

Buy Apartment Outside City Center (m2)

$789 €702

$5,240 €4,661

-84.94%

Average Monthly Net Salary (After Tax)

$1,454 €1,293

$2,145 €1,908

-32.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.02

3.18

-5.03%

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

Last update for Terni: October 13, 2026

Last update for Milan: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Terni

$357 27.8%

Milan

$1.2K 45.7% 227% $812

Eating Out

Terni

$243 18.9%

Milan

$314 12.3% 29.1% $71

Groceries & Markets

Terni

$238 18.5%

Milan

$417 16.3% 75.4% $179

Monthly Utilities & Internet

Terni

$187 14.5%

Milan

$286 11.2% 53.1% $99

Clothing & Footwear

Terni

$133 10.3%

Milan

$196 7.7% 47.8% $64

Sport & Entertainment

Terni

$77 6%

Milan

$107 4.2% 39.2% $30

Getting Around

Terni

$52 4%

Milan

$72 2.8% 38.2% $20

Cost Breakdown

A one-bedroom apartment in the center runs $339 in Terni and $1,731 in Milan. Housing cost is often the main lever when comparing two cities.

Milan pays 48% 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: $68.0 in Terni vs $89.0 in Milan for a mid-range dinner for two. Groceries echo the gap at $238 vs $417 per month, with Terni cheaper across the board.

Good to know

🇮🇹 Terni

🇮🇹 Milan

🕒 Local time

02:19 2:19 AM

Same time as Terni

🌤 Weather

👥 Population

106,677

1,394,798

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Terni Milan 420 km

From you

Terni
Milan

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 Milan: Cost of Living - Frequently Asked Questions

Terni is cheaper overall, especially in eating out, groceries, and clothing. The 99% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 48% lower in Milan. 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: $339 in Terni versus $1,731 in Milan. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $333 in Terni versus $857 in Milan. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 75% higher in Milan. For households that cook at home regularly, that difference adds up over a month.

At $1,286 in Terni versus $2,560 in Milan, a $1,000 budget is realistic in Terni but tight or insufficient in Milan. The gap between the two cities makes Terni the clear choice for anyone on this budget.

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

Safety-wise, Terni and Milan 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 99% less than in Milan. Beyond cost, consider language, visa policies, and how big the international community is in each city.