Last update: Oct 2026

Cost of Living Comparison Between Terni and Naples

For one person, living is cheaper in Terni: $1,299 a month against $1,842 in Naples, rent and utilities included – about $6,500 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
88

Cost of Living Index in Naples
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Naples Living Index

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Terni

🇮🇹 Italy

$1,299

/mo nomad

Naples

🇮🇹 Italy

$1,842

/mo nomad

Monthly Cost of Living

How much you'll spend in Terni and in Naples

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

Monthly costs for one person with rent: $1,299 in Terni versus $1,842 in Naples.

Terni $1,299
Naples $1,842

Estimated couple costs with rent: $1,995 in Terni versus $2,786 in Naples.

Terni $1,995
Naples $2,786

Monthly costs for a family of three with rent: $2,691 in Terni versus $3,730 in Naples.

Terni $2,691
Naples $3,730

Living in Terni costs roughly 29% less than in Naples, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Terni is 5% below, Naples is 35% above.

Meal at Budget Restaurant

$16.55 €14.82

$16.69 €14.95

-0.84%

Three-Course Dinner for Two, Mid-Range

$66.7 €59.8

$74.1 €66.4

-9.95%

Fast Food Meal (McDonalds, etc)

$13.54 €12.12

$10.98 €9.83

23.32%

Cappuccino

$1.69 €1.51

$2.35 €2.10

-28.09%

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

$2.54 €2.28

$2.49 €2.23

2.01%

Water (0.33 liter bottle)

$1.03 €0.93

$1.28 €1.14

-19.53%

Local Beer (0.5 liter draught)

$4.35 €3.90

$5.57 €4.99

-21.90%

Imported Beer (0.33 liter bottle)

$5.74 €5.14

$5.73 €5.13

0.17%

Milk (1 liter)

$1.22 €1.09

$2.03 €1.81

-39.90%

White Bread (500g)

$1.70 €1.52

$1.92 €1.72

-11.46%

Rice (white) (1kg)

$2.17 €1.95

$3.14 €2.81

-30.89%

Eggs

$3.82 €3.42

$4.39 €3.93

-12.98%

Local Cheese (1kg)

$13.38 €11.98

$16.48 €14.76

-18.81%

Chicken Fillets (1kg)

$9.20 €8.24

$12.54 €11.23

-26.63%

Beef Round Steak (1kg)

$13.33 €11.94

$20.83 €18.65

-36.01%

Apples (1kg)

$1.13 €1.02

$2.51 €2.25

-54.98%

Banana (1kg)

$1.13 €1.01

$2.10 €1.88

-46.19%

Oranges (1kg)

$1.13 €1.01

$2.28 €2.04

-50.44%

Tomato (1kg)

$2.27 €2.03

$3.74 €3.35

-39.30%

Potato (1kg)

$0.74 €0.66

$1.74 €1.55

-57.47%

Onion (1kg)

$1.48 €1.32

$1.76 €1.58

-15.91%

Lettuce (1 head)

$0.75 €0.67

$1.42 €1.27

-47.18%

Water (1.5 liter bottle)

$0.36 €0.32

$0.59 €0.53

-38.98%

Cigarettes 20 Pack (Marlboro, Camel)

$6.59 €5.90

$6.73 €6.03

-2.08%

Wine (Bottle)

$8.00 €7.17

$6.36 €5.70

25.79%

Local Beer (0.5 liter bottle)

$1.14 €1.02

$1.76 €1.58

-35.23%

Imported Beer (0.33 liter bottle)

$1.51 €1.36

$3.02 €2.71

-50.00%

One-way Ticket (Public Transport)

$1.59 €1.42

$1.71 €1.53

-7.02%

Public Transport Monthly Pass (Regular Price)

$34.20 €30.63

$38.77 €34.72

-11.79%

Taxi Start (Normal Tariff)

$3.63 €3.26

$4.40 €3.94

-17.50%

Taxi (Normal Tariff) (1km)

$1.26 €1.13

$1.25 €1.12

0.80%

Taxi 1hour Waiting (Normal Tariff)

$30.81 €27.60

$23.77 €21.28

29.62%

Gasoline (1 liter)

$2.14 €1.92

$2.16 €1.94

-0.93%

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

$33.0K €29.6K

$35.1K €31.5K

-5.92%

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

$36.3K €32.5K

$36.9K €33.0K

-1.64%

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

$150 €135

$202 €181

-25.67%

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

$11.46 €10.27

$9.07 €8.13

26.35%

Internet (50+ Mbps, Unlimited Data)

$30.69 €27.49

$31.47 €28.19

-2.48%

Gym Membership (Monthly)

$54.8 €49.09

$56.5 €50.6

-2.96%

Tennis Court (1 Hour on Weekend)

$11.20 €10.03

$20.68 €18.52

-45.84%

Cinema Ticket

$11.15 €9.99

$10.25 €9.18

8.78%

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

$329 €295

$452 €405

-27.25%

International Primary School, 1 Child (Yearly)

$16.5K €14.8K

$7,863 €7,042

109.85%

Jeans (Levis 501 Or Similar)

$84.9 €76.0

$93.2 €83.5

-8.93%

Summer Dress (H&M, Zara, etc)

$33.72 €30.20

$42.18 €37.77

-20.06%

Sport Shoes (Adidas, Nike)

$106 €94.9

$105 €93.6

1.41%

Men's Leather Business Shoes

$78.4 €70.2

$135 €121

-41.80%

1-bedroom Apartment, City Center (Monthly)

$340 €304

$986 €883

-65.58%

1-bedroom Apartment, Outside City Center (Monthly)

$357 €320

$702 €629

-49.15%

3-bedroom Apartment, City Center (Monthly)

$648 €580

$1,879 €1,683

-65.52%

3-bedroom Apartment, Outside City Center (Monthly)

$519 €465

$1,118 €1,001

-53.56%

Buy Apartment in City Center (m2)

$1,363 €1,221

$4,503 €4,033

-69.72%

Buy Apartment Outside City Center (m2)

$784 €702

$2,382 €2,133

-67.07%

Average Monthly Net Salary (After Tax)

$1,468 €1,315

$1,860 €1,666

-21.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.16

3.08

2.60%

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

Last update for Terni: October 26, 2026

Last update for Naples: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Terni

$357 27.5%

Naples

$702 38.1% 96.6% $345

Groceries & Markets

Terni

$245 18.9%

Naples

$346 18.8% 41.4% $101

Eating Out

Terni

$241 18.5%

Naples

$249 13.5% 3.4% $8.2

Monthly Utilities & Internet

Terni

$192 14.8%

Naples

$243 13.2% 26.1% $50

Clothing & Footwear

Terni

$136 10.5%

Naples

$169 9.2% 23.6% $32

Sport & Entertainment

Terni

$77 5.9%

Naples

$77 4.2% 0.2% $0.1

Getting Around

Terni

$51 3.9%

Naples

$56 3.1% 11.4% $5.8

Cost Breakdown

A one-bedroom apartment in the center runs $340 in Terni and $986 in Naples. Housing cost is often the main lever when comparing two cities.

Naples pays 27% 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: $67 in Terni vs $74 in Naples for a mid-range dinner for two. Groceries echo the gap at $245 vs $346 per month, with Terni cheaper across the board.

Good to know

🇮🇹 Terni

🇮🇹 Naples

🕒 Local time

09:14 9:14 AM

Same time as Terni

🌤 Weather

👥 Population

106,677

972,212

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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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 Naples: Cost of Living - Frequently Asked Questions

Terni wins on cost – living expenses run 29% lower than in Naples. Housing and daily spending are where you’ll feel the difference most, making Terni the obvious pick if budget is a priority.

On paper, salaries run 21% 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 $986 in Naples. 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 $67 versus $74 in Naples. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,299 per month in Terni versus $1,842 in Naples – Terni is about 29% 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.

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.

Expats usually find Terni gentler on the wallet – expenses run 29% less than in Naples. Beyond cost, consider language, visa policies, and how big the international community is in each city.