Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Cebu

For one person, living is cheaper in Ternopil: $690 a month against $915 in Cebu, rent and utilities included – about $2,700 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
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

How much you'll spend in Ternopil and in Cebu

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

Monthly costs for one person with rent: $690 in Ternopil versus $915 in Cebu.

Ternopil $690
Cebu $915

Estimated couple costs with rent: $1,143 in Ternopil versus $1,418 in Cebu.

Ternopil $1,143
Cebu $1,418

Monthly costs for a family of three with rent: $1,595 in Ternopil versus $1,921 in Cebu.

Ternopil $1,595
Cebu $1,921

Living in Ternopil costs roughly 25% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ternopil 49% lower, Cebu 33% lower.

Meal at Budget Restaurant

$3.36 ₴151

$3.05 ₱192

10.16%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$24.00 ₱1,511

-16.37%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$3.99 ₱251

36.59%

Cappuccino

$1.22 ₴54.6

$2.50 ₱157

-51.20%

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

$0.69 ₴30.83

$1.54 ₱97.1

-55.19%

Water (0.33 liter bottle)

$0.51 ₴22.79

$0.50 ₱31.37

2.00%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$1.78 ₱112

-49.44%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$2.17 ₱136

-29.03%

Milk (1 liter)

$1.34 ₴60.2

$2.00 ₱126

-33.00%

White Bread (500g)

$0.72 ₴32.38

$1.37 ₱86.2

-47.45%

Rice (white) (1kg)

$2.00 ₴89.8

$1.03 ₱64.9

94.17%

Eggs

$1.96 ₴87.8

$2.03 ₱128

-3.45%

Local Cheese (1kg)

$7.95 ₴357

$10.20 ₱642

-22.06%

Chicken Fillets (1kg)

$3.99 ₴179

$4.45 ₱280

-10.34%

Beef Round Steak (1kg)

$5.93 ₴266

$7.67 ₱483

-22.69%

Apples (1kg)

$0.72 ₴32.20

$3.31 ₱208

-78.25%

Banana (1kg)

$1.58 ₴70.8

$1.46 ₱91.8

8.22%

Oranges (1kg)

$1.43 ₴64.2

$2.32 ₱146

-38.36%

Tomato (1kg)

$2.73 ₴123

$1.49 ₱94.0

83.22%

Potato (1kg)

$0.54 ₴24.26

$2.34 ₱147

-76.92%

Onion (1kg)

$0.39 ₴17.59

$1.94 ₱122

-79.90%

Lettuce (1 head)

$1.36 ₴61.3

$1.16 ₱73.0

17.24%

Water (1.5 liter bottle)

$0.52 ₴23.17

$0.68 ₱42.89

-23.53%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$2.99 ₱188

-10.03%

Wine (Bottle)

$3.25 ₴146

$6.24 ₱393

-47.92%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$1.23 ₱77.3

-28.46%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$1.73 ₱109

35.84%

One-way Ticket (Public Transport)

$0.39 ₴17.61

$0.23 ₱14.36

69.57%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$0.79 ₱49.96

79.75%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$0.22 ₱13.86

68.18%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$4.54 ₱286

-10.13%

Gasoline (1 liter)

$1.57 ₴70.7

$1.32 ₱82.9

18.94%

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

$31.5K ₴1.4M

$21.0K ₱1.3M

50.01%

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

$25.1K ₴1.1M

$19.4K ₱1.2M

29.50%

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

$55.4 ₴2,488

$119 ₱7,464

-53.24%

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

$4.74 ₴213

$14.22 ₱896

-66.67%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$27.47 ₱1,730

-82.09%

Gym Membership (Monthly)

$20.69 ₴929

$32.31 ₱2,034

-35.96%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

$6.50 ₱409

112.92%

Cinema Ticket

$3.59 ₴161

$5.40 ₱340

-33.52%

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

$245 ₴11.0K

$276 ₱17.4K

-11.32%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$49.37 ₱3,108

0.34%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$24.58 ₱1,548

90.64%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$76.6 ₱4,825

28.64%

Men's Leather Business Shoes

$90.1 ₴4,043

$58.9 ₱3,706

53.02%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$503 ₱31.7K

-41.06%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$305 ₱19.2K

-23.14%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

$1,075 ₱67.7K

-47.51%

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

$632 ₱39.8K

-12.78%

Buy Apartment in City Center (m2)

$994 ₴44.6K

$2,870 ₱180.7K

-65.35%

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

$1,877 ₱118.2K

-73.13%

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$336 ₱21.1K

45.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

205.56%

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

Last update for Ternopil: October 19, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Cebu

$305 33.3% 30.1% $70

Groceries & Markets

Ternopil

$160 23.2%

Cebu

$210 22.9% 30.9% $49

Clothing & Footwear

Ternopil

$128 18.6%

Cebu

$94 10.3% 26.5% $34

Eating Out

Ternopil

$70 10.2%

Cebu

$88 9.6% 25% $18

Monthly Utilities & Internet

Ternopil

$65 9.4%

Cebu

$160 17.5% 146% $95

Sport & Entertainment

Ternopil

$28 4%

Cebu

$43 4.7% 54.6% $15

Getting Around

Ternopil

$4.9 * 0.7%

Cebu

$15 1.7% 212% $10

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 $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Ternopil pays 45% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $20.00 in Ternopil vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $160 vs $210 per month, with Ternopil cheaper across the board.

Good to know

🇺🇦 Ternopil

🇵🇭 Cebu

🕒 Local time

22:08 10:08 PM

03:08 3:08 AM

5 h ahead of Ternopil

🌤 Weather

👥 Population

218,134

964,169

💱 Currency

Ukrainian Hryvnia UAH ₴

Philippine Peso PHP ₱

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, 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).

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to UAH in detail →

On the map

Lowest

Highest

Between locations

Ternopil Cebu 9,730 km ≈ 13 h nonstop flight

From you

Ternopil
Cebu

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 Cebu: Cost of Living - Frequently Asked Questions

Ternopil is cheaper overall, especially in groceries, eating out, and leisure. The 32% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 45% higher in Ternopil, 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: $297 in Ternopil versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 31% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $690 per month in Ternopil versus $915 in Cebu – a 32% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Ternopil gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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

Safety-wise, Ternopil and Cebu 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 32% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.