Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Austin, TX

For one person, living is cheaper in Ternopil: $690 a month against $2,698 in Austin, TX, rent and utilities included – about $24,100 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Ternopil
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Ternopil Living Index
129

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Austin, TX

🇺🇸 United States

$2,698

/mo nomad

Monthly Cost of Living

How much you'll spend in Ternopil and in Austin, TX

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ternopil and in Austin, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $690 in Ternopil versus $2,698 in Austin, TX.

Ternopil $690
Austin, TX $2,698

Estimated couple costs with rent: $1,143 in Ternopil versus $4,160 in Austin, TX.

Ternopil $1,143
Austin, TX $4,160

Monthly costs for a family of three with rent: $1,595 in Ternopil versus $5,622 in Austin, TX.

Ternopil $1,595
Austin, TX $5,622

Living in Ternopil costs roughly 74% less than in Austin, TX, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ternopil is 49% below, Austin, TX is 99% above.

Meal at Budget Restaurant

$3.36 ₴151

$20.63 $20.63

-83.71%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$84.6 $84.6

-76.27%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$12.07 $12.07

-54.85%

Cappuccino

$1.22 ₴54.6

$5.48 $5.48

-77.74%

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

$0.69 ₴30.83

$3.80 $3.80

-81.84%

Water (0.33 liter bottle)

$0.51 ₴22.79

$2.47 $2.47

-79.35%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$8.05 $8.05

-88.82%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$8.88 $8.88

-82.66%

Milk (1 liter)

$1.34 ₴60.2

$1.11 $1.11

20.72%

White Bread (500g)

$0.72 ₴32.38

$3.72 $3.72

-80.65%

Rice (white) (1kg)

$2.00 ₴89.8

$3.37 $3.37

-40.65%

Eggs

$1.96 ₴87.8

$4.32 $4.32

-54.63%

Local Cheese (1kg)

$7.95 ₴357

$13.13 $13.13

-39.45%

Chicken Fillets (1kg)

$3.99 ₴179

$14.15 $14.15

-71.80%

Beef Round Steak (1kg)

$5.93 ₴266

$16.33 $16.33

-63.69%

Apples (1kg)

$0.72 ₴32.20

$4.55 $4.55

-84.18%

Banana (1kg)

$1.58 ₴70.8

$1.46 $1.46

8.22%

Oranges (1kg)

$1.43 ₴64.2

$4.71 $4.71

-69.64%

Tomato (1kg)

$2.73 ₴123

$4.15 $4.15

-34.22%

Potato (1kg)

$0.54 ₴24.26

$2.58 $2.58

-79.07%

Onion (1kg)

$0.39 ₴17.59

$2.35 $2.35

-83.40%

Lettuce (1 head)

$1.36 ₴61.3

$1.77 $1.77

-23.16%

Water (1.5 liter bottle)

$0.52 ₴23.17

$2.14 $2.14

-75.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$10.10 $10.10

-73.37%

Wine (Bottle)

$3.25 ₴146

$15.19 $15.19

-78.60%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$2.82 $2.82

-68.79%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$3.44 $3.44

-31.69%

One-way Ticket (Public Transport)

$0.39 ₴17.61

$1.54 $1.54

-74.68%

Public Transport Monthly Pass (Regular Price)

$40.99 $40.99

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$2.80 $2.80

-49.29%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$1.60 $1.60

-76.88%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$34.34 $34.34

-88.12%

Gasoline (1 liter)

$1.57 ₴70.7

$0.94 $0.94

67.02%

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

$31.5K ₴1.4M

$34.0K $34.0K

-7.27%

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

$25.1K ₴1.1M

$26.8K $26.8K

-6.12%

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

$55.4 ₴2,488

$223 $223

-75.10%

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

$4.74 ₴213

$58.9 $58.9

-91.95%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$70.6 $70.6

-93.03%

Gym Membership (Monthly)

$20.69 ₴929

$57.7 $57.7

-64.14%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

$16.53 $16.53

-16.27%

Cinema Ticket

$3.59 ₴161

$14.26 $14.26

-74.82%

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

$245 ₴11.0K

$1,511 $1,511

-83.80%

International Primary School, 1 Child (Yearly)

$20.9K $20.9K

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$51.3 $51.3

-3.37%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$44.17 $44.17

6.09%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$87.0 $87.0

13.33%

Men's Leather Business Shoes

$90.1 ₴4,043

$104 $104

-13.68%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$1,940 $1,940

-84.70%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$1,316 $1,316

-82.22%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

$3,664 $3,664

-84.61%

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

$2,565 $2,565

-78.51%

Buy Apartment in City Center (m2)

$994 ₴44.6K

$7,354 $7,354

-86.48%

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

$3,129 $3,129

-83.88%

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$5,286 $5,286

-90.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

224.01%

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

Last update for Ternopil: October 19, 2026

Last update for Austin, TX: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Austin, TX

$1.3K 48.8% 462% $1.1K

Groceries & Markets

Ternopil

$160 23.2%

Austin, TX

$406 15.1% 154% $246

Clothing & Footwear

Ternopil

$128 18.6%

Austin, TX

$129 4.8% 0.6% $0.8

Eating Out

Ternopil

$70 10.2%

Austin, TX

$350 13% 399% $280

Monthly Utilities & Internet

Ternopil

$65 9.4%

Austin, TX

$352 13.1% 441% $287

Sport & Entertainment

Ternopil

$28 4%

Austin, TX

$86 3.2% 209% $58

Getting Around

Ternopil

$4.9 * 0.7%

Austin, TX

$58 2.2% 1092% $53

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $297 in Ternopil and $1,940 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 985% 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: $20.00 in Ternopil vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $160 vs $406 per month, with Ternopil cheaper across the board.

Good to know

🇺🇦 Ternopil

🇺🇸 Austin, TX

🕒 Local time

23:36 11:36 PM

15:36 3:36 PM

8 h behind Ternopil

🌤 Weather

👥 Population

218,134

974,447

💱 Currency

Ukrainian Hryvnia UAH ₴

United States Dollar USD $

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to UAH – Ukrainian Hryvnia Converter

🇺🇸 United States Dollar ($)

🇺🇦 Ukrainian Hryvnia (₴)

Ukrainian Hryvnia exchange rates as of October 20, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.46 UAH (100 UAH = 1.98 EUR).

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to UAH in detail →

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Highest

Between locations

Ternopil Austin, TX 9,520 km ≈ 12 h nonstop flight

From you

Ternopil
Austin, TX

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

Ternopil vs Austin, TX: Cost of Living - Frequently Asked Questions

Ternopil wins on cost – living expenses run 291% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Ternopil the obvious pick if budget is a priority.

On paper, salaries run 985% lower in Austin, TX. 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: $297 in Ternopil versus $1,940 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $245 in Ternopil versus $1,511 in Austin, TX. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ternopil – a meal for two runs $20.00 versus $85.0 in Austin, TX. If you eat out regularly, this makes a real dent in your monthly spending.

At $690 in Ternopil versus $2,698 in Austin, TX, a $2,000 budget is realistic in Ternopil but tight or insufficient in Austin, TX. The gap between the two cities makes Ternopil 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.

Safety-wise, Ternopil and Austin, TX 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 Ternopil gentler on the wallet – expenses run 291% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.