Cost of Living Comparison Between Terni and Naples Cost of Living Comparison Between Terni and Naples

Monthly Cost of Living

Monthly costs for one person with rent: $1,306 in Terni versus $1,889 in Naples.

Estimated couple costs with rent: $2,028 in Terni versus $2,867 in Naples.

Monthly costs for a family of three with rent: $2,749 in Terni versus $3,845 in Naples.

Living in Terni costs roughly 31% less than in Naples, driven mainly by Groceries & Markets.

The two cities straddle the global median: Terni is 2% below, Naples is 41% above.

Meal at Budget Restaurant

$17.30 €14.77

$17.14 €14.64

0.93%

Three-Course Dinner for Two, Mid-Range

$49.04 €41.88

$68.1 €58.2

-27.98%

Fast Food Meal (McDonalds, etc)

$9.94 €8.49

$11.77 €10.05

-15.55%

Cappuccino

$1.81 €1.55

$2.12 €1.81

-14.62%

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

$2.75 €2.35

$2.14 €1.82

28.50%

Water (0.33 liter bottle)

$1.36 €1.16

$1.12 €0.95

21.43%

Local Beer (0.5 liter draught)

$5.10 €4.35

$4.53 €3.87

12.58%

Imported Beer (0.33 liter bottle)

$5.06 €4.32

$4.53 €3.87

11.70%

Milk (1 liter)

$1.30 €1.11

$1.95 €1.67

-33.33%

White Bread (500g)

$2.17 €1.85

$1.78 €1.52

21.91%

Rice (white) (1kg)

$2.29 €1.96

$2.82 €2.41

-18.79%

Eggs

$3.43 €2.93

$4.25 €3.63

-19.29%

Local Cheese (1kg)

$13.42 €11.46

$14.72 €12.57

-8.83%

Chicken Fillets (1kg)

$9.42 €8.05

$10.36 €8.85

-9.07%

Beef Round Steak (1kg)

$14.11 €12.05

$16.36 €13.97

-13.75%

Apples (1kg)

$2.17 €1.85

$2.82 €2.41

-23.05%

Banana (1kg)

$1.95 €1.67

$2.29 €1.95

-14.85%

Oranges (1kg)

$1.15 €0.98

$2.64 €2.26

-56.44%

Tomato (1kg)

$2.35 €2.01

$3.70 €3.16

-36.49%

Potato (1kg)

$1.63 €1.39

$1.99 €1.70

-18.09%

Onion (1kg)

$1.64 €1.40

$1.99 €1.70

-17.59%

Lettuce (1 head)

$0.79 €0.67

$1.45 €1.24

-45.52%

Water (1.5 liter bottle)

$0.41 €0.35

$0.72 €0.61

-43.06%

Cigarettes 20 Pack (Marlboro, Camel)

$6.50 €5.55

$6.82 €5.83

-4.69%

Wine (Bottle)

$7.40 €6.32

$8.10 €6.92

-8.64%

Local Beer (0.5 liter bottle)

$1.34 €1.15

$2.72 €2.32

-50.74%

Imported Beer (0.33 liter bottle)

$1.67 €1.42

$3.48 €2.97

-52.01%

One-way Ticket (Public Transport)

$1.59 €1.36

$1.70 €1.45

-6.47%

Public Transport Monthly Pass (Regular Price)

$34.95 €29.85

$48.52 €41.43

-27.97%

Taxi Start (Normal Tariff)

$4.88 €4.17

$5.74 €4.90

-14.98%

Taxi (Normal Tariff) (1km)

$1.30 €1.11

$2.19 €1.87

-40.64%

Taxi 1hour Waiting (Normal Tariff)

$25.41 €21.70

$34.34 €29.33

-26.00%

Gasoline (1 liter)

$2.02 €1.72

$2.09 €1.79

-3.35%

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

$33.5K €28.6K

$36.2K €30.9K

-7.46%

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

$34.0K €29.1K

$35.8K €30.6K

-5.01%

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

$175 €149

$223 €190

-21.56%

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

$13.72 €11.72

$13.42 €11.46

2.24%

Internet (50+ Mbps, Unlimited Data)

$30.42 €25.98

$33.18 €28.34

-8.32%

Gym Membership (Monthly)

$52.9 €45.15

$57.5 €49.13

-8.10%

Tennis Court (1 Hour on Weekend)

$16.83 €14.38

$33.58 €28.68

-49.88%

Cinema Ticket

$10.34 €8.83

$11.51 €9.83

-10.17%

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

$348 €297

$391 €334

-11.04%

International Primary School, 1 Child (Yearly)

$5,850 €4,996

$6,128 €5,234

-4.54%

Jeans (Levis 501 Or Similar)

$65.3 €55.7

$103 €87.6

-36.35%

Summer Dress (H&M, Zara, etc)

$35.75 €30.53

$43.67 €37.29

-18.14%

Sport Shoes (Adidas, Nike)

$92.5 €79.0

$104 €88.5

-10.75%

Men's Leather Business Shoes

$86.4 €73.8

$147 €125

-41.05%

1-bedroom Apartment, City Center (Monthly)

$342 €292

$950 €811

-64.03%

1-bedroom Apartment, Outside City Center (Monthly)

$345 €295

$707 €604

-51.21%

3-bedroom Apartment, City Center (Monthly)

$746 €637

$1,924 €1,643

-61.21%

3-bedroom Apartment, Outside City Center (Monthly)

$557 €476

$1,146 €978

-51.39%

Buy Apartment in City Center (m2)

$1,428 €1,220

$5,139 €4,388

-72.21%

Buy Apartment Outside City Center (m2)

$816 €697

$2,431 €2,076

-66.43%

Average Monthly Net Salary (After Tax)

$1,644 €1,404

$1,788 €1,527

-8.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.69

4.04

-8.66%

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

Last update for Terni: April 25, 2026

Last update for Naples: April 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $342 in Terni and $950 in Naples. Housing cost is often the main lever when comparing two cities.

Naples pays 9% 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: $49.00 in Terni vs $68.0 in Naples for a mid-range dinner for two. Groceries echo the gap at $267 vs $329 per month, with Terni cheaper across the board.

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 45% 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, Naples earns 9% less. 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: $342 in Terni versus $950 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 $49.00 versus $68.0 in Naples. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,306 per month in Terni versus $1,889 in Naples – a 45% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,306 in Terni versus $1,889 in Naples, a $1,000 budget is realistic in Terni but tight or insufficient in Naples. 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.

Expats usually find Terni gentler on the wallet – expenses run 45% less than in Naples. Beyond cost, consider language, visa policies, and how big the international community is in each city.