Cost of Living Comparison Between Terni and Phuket Cost of Living Comparison Between Terni and Phuket

Monthly Cost of Living

Monthly costs for one person with rent: $1,316 in Terni versus $1,265 in Phuket.

Estimated couple costs with rent: $2,040 in Terni versus $2,089 in Phuket.

Monthly costs for a family of three with rent: $2,764 in Terni versus $2,913 in Phuket.

Living in Terni is roughly 4% more expensive than in Phuket, driven mainly by Eating Out.

Both cities sit below the global median: Terni 5% lower, Phuket 8% lower.

Meal at Budget Restaurant

$17.61 €15.18

$4.66 ฿154

277.90%

Three-Course Dinner for Two, Mid-Range

$68.5 €59.1

$32.22 ฿1,065

112.73%

Fast Food Meal (McDonalds, etc)

$14.16 €12.21

$8.68 ฿287

63.13%

Cappuccino

$1.72 €1.49

$2.90 ฿95.8

-40.69%

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

$2.75 €2.37

$0.84 ฿27.89

227.38%

Water (0.33 liter bottle)

$1.05 €0.90

$0.49 ฿16.16

114.29%

Local Beer (0.5 liter draught)

$4.79 €4.13

$2.48 ฿82.0

93.15%

Imported Beer (0.33 liter bottle)

$5.78 €4.98

$3.73 ฿123

54.96%

Milk (1 liter)

$1.25 €1.08

$1.89 ฿62.3

-33.86%

White Bread (500g)

$1.75 €1.51

$1.41 ฿46.54

24.11%

Rice (white) (1kg)

$2.28 €1.97

$1.62 ฿53.6

40.74%

Eggs

$3.47 €3.00

$2.24 ฿74.1

54.91%

Local Cheese (1kg)

$13.73 €11.83

$19.84 ฿656

-30.80%

Chicken Fillets (1kg)

$9.27 €7.99

$3.48 ฿115

166.38%

Beef Round Steak (1kg)

$14.00 €12.07

$11.37 ฿376

23.13%

Apples (1kg)

$1.19 €1.03

$2.90 ฿95.8

-58.97%

Banana (1kg)

$1.14 €0.99

$1.72 ฿57.0

-33.72%

Oranges (1kg)

$1.14 €0.98

$2.27 ฿75.1

-49.78%

Tomato (1kg)

$2.33 €2.01

$2.13 ฿70.4

9.39%

Potato (1kg)

$0.79 €0.68

$1.47 ฿48.72

-46.26%

Onion (1kg)

$1.47 €1.26

$1.42 ฿46.92

3.52%

Lettuce (1 head)

$0.79 €0.68

$1.10 ฿36.25

-28.18%

Water (1.5 liter bottle)

$0.37 €0.32

$0.60 ฿19.76

-38.33%

Cigarettes 20 Pack (Marlboro, Camel)

$6.79 €5.85

$4.31 ฿142

57.54%

Wine (Bottle)

$5.75 €4.95

$18.60 ฿615

-69.09%

Local Beer (0.5 liter bottle)

$1.19 €1.02

$1.80 ฿59.5

-33.89%

Imported Beer (0.33 liter bottle)

$1.56 €1.34

$2.97 ฿98.0

-47.47%

One-way Ticket (Public Transport)

$1.66 €1.43

$2.25 ฿74.2

-26.22%

Public Transport Monthly Pass (Regular Price)

$35.49 €30.60

$23.49 ฿776

51.09%

Taxi Start (Normal Tariff)

$5.42 €4.67

$3.10 ฿102

74.84%

Taxi (Normal Tariff) (1km)

$1.55 €1.34

$1.08 ฿35.56

43.52%

Taxi 1hour Waiting (Normal Tariff)

$25.09 €21.63

$3.87 ฿128

548.32%

Gasoline (1 liter)

$2.10 €1.81

$1.43 ฿47.16

46.85%

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

$35.1K €30.3K

$27.8K ฿918.0K

26.33%

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

$36.3K €31.3K

$27.0K ฿891.5K

34.51%

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

$158 €136

$105 ฿3,462

51.07%

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

$8.39 €7.23

$11.39 ฿376

-26.34%

Internet (50+ Mbps, Unlimited Data)

$31.81 €27.42

$17.54 ฿580

81.36%

Gym Membership (Monthly)

$58.5 €50.4

$54.3 ฿1,795

7.58%

Tennis Court (1 Hour on Weekend)

$11.43 €9.85

$11.44 ฿378

-0.09%

Cinema Ticket

$10.54 €9.08

$7.78 ฿257

35.48%

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

$343 €295

$576 ฿19.0K

-40.58%

International Primary School, 1 Child (Yearly)

$12.6K €10.8K

$11.6K ฿382.7K

8.61%

Jeans (Levis 501 Or Similar)

$85.7 €73.9

$63.6 ฿2,103

34.62%

Summer Dress (H&M, Zara, etc)

$31.43 €27.09

$29.10 ฿961

8.01%

Sport Shoes (Adidas, Nike)

$96.8 €83.5

$96.2 ฿3,179

0.62%

Men's Leather Business Shoes

$80.2 €69.1

$90.0 ฿2,974

-10.95%

1-bedroom Apartment, City Center (Monthly)

$343 €296

$733 ฿24.2K

-53.19%

1-bedroom Apartment, Outside City Center (Monthly)

$371 €320

$501 ฿16.5K

-25.95%

3-bedroom Apartment, City Center (Monthly)

$661 €570

$2,126 ฿70.2K

-68.89%

3-bedroom Apartment, Outside City Center (Monthly)

$538 €464

$1,252 ฿41.4K

-57.03%

Buy Apartment in City Center (m2)

$1,389 €1,197

$3,534 ฿116.8K

-60.71%

Buy Apartment Outside City Center (m2)

$823 €710

$2,622 ฿86.6K

-68.61%

Average Monthly Net Salary (After Tax)

$1,558 €1,343

$508 ฿16.8K

206.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.04

5.57

-45.42%

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

Last update for Terni: September 8, 2026

Last update for Phuket: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $343 in Terni and $733 in Phuket. Housing cost is often the main lever when comparing two cities.

Terni pays 207% 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: $69.0 in Terni vs $32.00 in Phuket. Groceries flip the comparison at $245 vs $275, 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 Phuket: Cost of Living - Frequently Asked Questions

Phuket is cheaper overall, especially in Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around, Monthly Utilities & Internet. The 4% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 207% higher in Terni, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $343 in Terni versus $733 in Phuket. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $343 in Terni versus $576 in Phuket. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Terni pay roughly 12% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,265 in Phuket versus $1,316 in Terni, a $1,500 budget is realistic in Phuket but tight or insufficient in Terni. The gap between the two cities makes Phuket the clear choice for anyone on this budget.

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

Safety-wise, Terni and Phuket 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 Phuket gentler on the wallet – expenses run 4% less than in Terni. Beyond cost, consider language, visa policies, and how big the international community is in each city.