Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Kharkiv

For one person, living costs are similar in Ternopil and in Kharkiv: $690 and $684 a month, rent and utilities included.

33

Cost of Living Index in Ternopil
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Ternopil Living Index
33

Cost of Living Index in Kharkiv
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Kharkiv Living Index

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Kharkiv

🇺🇦 Ukraine

$684

/mo nomad

Monthly Cost of Living

How much you'll spend in Ternopil and in Kharkiv

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

A single person spends $690 per month in Ternopil vs $684 in Kharkiv, rent included.

Ternopil $690
Kharkiv $684

A couple spends around $1,143 per month in Ternopil vs $1,064 in Kharkiv, rent included.

Ternopil $1,143
Kharkiv $1,064

A family of three spends $1,595 per month in Ternopil vs $1,444 in Kharkiv, rent included.

Ternopil $1,595
Kharkiv $1,444

Ternopil costs about 1% more than Kharkiv, and outside of rent the biggest gap is in eating out.

Both Ternopil and Kharkiv are more affordable than the global median – Ternopil 49% lower, Kharkiv 50% lower.

Meal at Budget Restaurant

$3.36 ₴151

$6.84 ₴307

-50.88%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$30.84 ₴1,384

-34.92%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$4.92 ₴221

10.77%

Cappuccino

$1.22 ₴54.6

$1.62 ₴72.8

-24.69%

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

$0.69 ₴30.83

$1.11 ₴49.79

-37.84%

Water (0.33 liter bottle)

$0.51 ₴22.79

$0.52 ₴23.30

-1.92%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$0.99 ₴44.38

-9.09%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$1.64 ₴73.6

-6.10%

Milk (1 liter)

$1.34 ₴60.2

$1.09 ₴48.75

22.94%

White Bread (500g)

$0.72 ₴32.38

$0.66 ₴29.50

9.09%

Rice (white) (1kg)

$2.00 ₴89.8

$1.25 ₴56.0

60.00%

Eggs

$1.96 ₴87.8

$1.74 ₴78.3

12.64%

Local Cheese (1kg)

$7.95 ₴357

$8.18 ₴367

-2.81%

Chicken Fillets (1kg)

$3.99 ₴179

$4.19 ₴188

-4.77%

Beef Round Steak (1kg)

$5.93 ₴266

$7.29 ₴327

-18.66%

Apples (1kg)

$0.72 ₴32.20

$1.42 ₴63.7

-49.30%

Banana (1kg)

$1.58 ₴70.8

$1.56 ₴69.8

1.28%

Oranges (1kg)

$1.43 ₴64.2

$1.60 ₴71.8

-10.63%

Tomato (1kg)

$2.73 ₴123

$2.22 ₴99.8

22.97%

Potato (1kg)

$0.54 ₴24.26

$0.70 ₴31.52

-22.86%

Onion (1kg)

$0.39 ₴17.59

$0.52 ₴23.32

-25.00%

Lettuce (1 head)

$1.36 ₴61.3

$1.20 ₴53.7

13.33%

Water (1.5 liter bottle)

$0.52 ₴23.17

$0.64 ₴28.56

-18.75%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$2.81 ₴126

-4.27%

Wine (Bottle)

$3.25 ₴146

$4.37 ₴196

-25.63%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$0.84 ₴37.91

4.76%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$1.22 ₴54.8

92.62%

One-way Ticket (Public Transport)

$0.39 ₴17.61

Public Transport Monthly Pass (Regular Price)

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$1.37 ₴61.7

3.65%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$0.32 ₴14.34

15.62%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$2.27 ₴102

79.74%

Gasoline (1 liter)

$1.57 ₴70.7

$1.81 ₴81.2

-13.26%

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

$31.5K ₴1.4M

$30.0K ₴1.3M

4.93%

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

$25.1K ₴1.1M

$24.5K ₴1.1M

2.50%

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

$55.4 ₴2,488

$95.4 ₴4,284

-41.92%

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

$4.74 ₴213

$6.05 ₴271

-21.65%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$6.99 ₴314

-29.61%

Gym Membership (Monthly)

$20.69 ₴929

$22.42 ₴1,007

-7.72%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

$13.54 ₴608

2.22%

Cinema Ticket

$3.59 ₴161

$4.64 ₴208

-22.63%

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

$245 ₴11.0K

$276 ₴12.4K

-11.47%

International Primary School, 1 Child (Yearly)

$2,661 ₴119.4K

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$55.5 ₴2,490

-10.71%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$42.63 ₴1,914

9.92%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$89.0 ₴3,993

10.83%

Men's Leather Business Shoes

$90.1 ₴4,043

$106 ₴4,768

-15.20%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$245 ₴11.0K

21.06%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$143 ₴6,432

63.34%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

$511 ₴23.0K

10.33%

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

$211 ₴9,470

161.29%

Buy Apartment in City Center (m2)

$994 ₴44.6K

$1,059 ₴47.5K

-6.12%

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

$565 ₴25.4K

-10.76%

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$522 ₴23.4K

-6.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

17.89

22.97%

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

Last update for Ternopil: October 19, 2026

Last update for Kharkiv: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Kharkiv

$143 21% 38.8% $91

Groceries & Markets

Ternopil

$160 23.2%

Kharkiv

$162 23.7% 1% $1.6

Clothing & Footwear

Ternopil

$128 18.6%

Kharkiv

$132 19.3% 2.9% $3.7

Eating Out

Ternopil

$70 10.2%

Kharkiv

$104 15.2% 47.6% $33

Monthly Utilities & Internet

Ternopil

$65 9.4%

Kharkiv

$108 15.9% 66.6% $43

Sport & Entertainment

Ternopil

$28 4%

Kharkiv

$32 4.6% 13.7% $3.8

Getting Around

Ternopil

$4.9 * 0.7%

Kharkiv

$3 * 0.4% 38.9% $1.9

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

Cost Breakdown

A central one-bedroom costs $297 in Ternopil versus $245 in Kharkiv. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 7% higher in Kharkiv, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $20.00 in Ternopil versus $31.00 in Kharkiv. Monthly groceries follow the same trend: $160 vs $162 – making Ternopil the more affordable choice for daily food spending.

Good to know

🇺🇦 Ternopil

🇺🇦 Kharkiv

🕒 Local time

13:16 1:16 PM

Same time as Ternopil

🌤 Weather

👥 Population

218,134

1,447,652

💱 Currency

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

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Ternopil Kharkiv 760 km ≈ 1 h 30 min nonstop flight

From you

Ternopil
Kharkiv

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 Kharkiv: Cost of Living - Frequently Asked Questions

Ternopil costs about 1% more than Kharkiv, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,036 per month in Ternopil and $1,026 in Kharkiv. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kharkiv, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $20.00 in Ternopil and $31.00 in Kharkiv. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 1% cheaper in Ternopil – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$800 covers both cities comfortably – all-in costs are $690 in Ternopil and $684 in Kharkiv, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $684 versus $690 in Ternopil. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Kharkiv. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ternopil makes more sense. Both are solid long-term options with distinct trade-offs.