Cost of Living Comparison Between Ternopil and Kharkiv Cost of Living Comparison Between Ternopil and Kharkiv

Monthly Cost of Living

A single person spends $566 per month in Ternopil vs $683 in Kharkiv, rent included.

A couple spends around $908 per month in Ternopil vs $1,081 in Kharkiv, rent included.

A family of three spends $1,251 per month in Ternopil vs $1,480 in Kharkiv, rent included.

Ternopil is about 17% cheaper than Kharkiv, driven mainly by Eating Out.

Both Ternopil and Kharkiv are more affordable than the global median – Ternopil 58% lower, Kharkiv 49% lower.

Meal at Budget Restaurant

$4.88 ₴214

$7.41 ₴326

-34.14%

Three-Course Dinner for Two, Mid-Range

$19.02 ₴836

$26.89 ₴1,182

-29.27%

Fast Food Meal (McDonalds, etc)

$5.67 ₴249

$6.09 ₴268

-6.90%

Cappuccino

$0.81 ₴35.82

$1.35 ₴59.2

-40.00%

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

$0.61 ₴27.02

$0.65 ₴28.66

-6.15%

Water (0.33 liter bottle)

$0.32 ₴14.16

$0.44 ₴19.28

-27.27%

Local Beer (0.5 liter draught)

$0.84 ₴37.08

$1.03 ₴45.19

-18.45%

Imported Beer (0.33 liter bottle)

$1.19 ₴52.3

$1.52 ₴67.0

-21.71%

Milk (1 liter)

$1.03 ₴45.14

$1.06 ₴46.65

-2.83%

White Bread (500g)

$0.51 ₴22.51

$0.57 ₴25.08

-10.53%

Rice (white) (1kg)

$1.28 ₴56.3

$1.23 ₴54.0

4.07%

Eggs

$1.50 ₴66.1

$1.61 ₴70.8

-6.83%

Local Cheese (1kg)

$4.97 ₴218

$8.24 ₴362

-39.68%

Chicken Fillets (1kg)

$3.67 ₴161

$4.05 ₴178

-9.38%

Beef Round Steak (1kg)

$4.96 ₴218

$6.34 ₴279

-21.77%

Apples (1kg)

$0.83 ₴36.41

$0.84 ₴37.07

-1.19%

Banana (1kg)

$1.53 ₴67.1

$1.62 ₴71.4

-5.56%

Oranges (1kg)

$2.11 ₴92.9

$1.93 ₴85.1

9.33%

Tomato (1kg)

$1.74 ₴76.3

$2.15 ₴94.5

-19.07%

Potato (1kg)

$0.54 ₴23.82

$0.63 ₴27.51

-14.29%

Onion (1kg)

$0.66 ₴29.06

$0.56 ₴24.48

17.86%

Lettuce (1 head)

$1.24 ₴54.6

$0.98 ₴43.25

26.53%

Water (1.5 liter bottle)

$0.44 ₴19.29

$0.55 ₴24.11

-20.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.15 ₴94.3

$2.48 ₴109

-13.31%

Wine (Bottle)

$3.42 ₴151

$4.63 ₴203

-26.13%

Local Beer (0.5 liter bottle)

$0.83 ₴36.67

$0.81 ₴35.39

2.47%

Imported Beer (0.33 liter bottle)

$1.25 ₴54.8

$1.27 ₴55.8

-1.57%

One-way Ticket (Public Transport)

$0.38 ₴16.55

$0.37 ₴16.36

2.70%

Taxi Start (Normal Tariff)

$0.87 ₴38.20

$1.48 ₴65.3

-41.22%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.10

$0.25 ₴11.00

-8.00%

Taxi 1hour Waiting (Normal Tariff)

$2.83 ₴124

$2.88 ₴127

-1.74%

Gasoline (1 liter)

$1.29 ₴56.9

$1.39 ₴61.3

-7.19%

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

$30.6K ₴1.3M

$27.1K ₴1.2M

12.95%

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

$24.3K ₴1.1M

$24.1K ₴1.1M

0.98%

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

$61.8 ₴2,715

$112 ₴4,944

-45.09%

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

$5.32 ₴234

$5.41 ₴238

-1.66%

Internet (50+ Mbps, Unlimited Data)

$6.41 ₴282

$6.28 ₴276

2.07%

Gym Membership (Monthly)

$22.37 ₴983

$25.24 ₴1,110

-11.37%

Tennis Court (1 Hour on Weekend)

$12.66 ₴557

$15.49 ₴681

-18.27%

Cinema Ticket

$4.33 ₴190

$4.82 ₴212

-10.17%

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

$269 ₴11.8K

$351 ₴15.4K

-23.40%

International Primary School, 1 Child (Yearly)

$3,415 ₴150.1K

$3,239 ₴142.4K

5.43%

Jeans (Levis 501 Or Similar)

$41.67 ₴1,832

$56.6 ₴2,486

-26.31%

Summer Dress (H&M, Zara, etc)

$23.80 ₴1,046

$40.88 ₴1,797

-41.78%

Sport Shoes (Adidas, Nike)

$73.7 ₴3,242

$82.3 ₴3,620

-10.44%

Men's Leather Business Shoes

$85.4 ₴3,753

$104 ₴4,551

-17.53%

1-bedroom Apartment, City Center (Monthly)

$263 ₴11.6K

$186 ₴8,171

41.49%

1-bedroom Apartment, Outside City Center (Monthly)

$161 ₴7,067

$130 ₴5,721

23.55%

3-bedroom Apartment, City Center (Monthly)

$364 ₴16.0K

$360 ₴15.8K

1.16%

3-bedroom Apartment, Outside City Center (Monthly)

$295 ₴13.0K

$245 ₴10.8K

20.43%

Buy Apartment in City Center (m2)

$1,011 ₴44.5K

$1,057 ₴46.5K

-4.37%

Buy Apartment Outside City Center (m2)

$502 ₴22.1K

$587 ₴25.8K

-14.45%

Average Monthly Net Salary (After Tax)

$488 ₴21.5K

$463 ₴20.4K

5.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

-52.94%

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

Last update for Ternopil: April 19, 2026

Last update for Kharkiv: April 20, 2026

Cost Breakdown

A central one-bedroom costs $263 in Ternopil versus $186 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 5% higher in Ternopil, 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 $19 in Ternopil versus $27 in Kharkiv. Monthly groceries follow the same trend: $132 vs $153 – making Ternopil the more affordable choice for daily food spending.

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

Kharkiv costs about 21% more than Ternopil, with the gap driven mainly by 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 $849 per month in Ternopil and $1,024 in Kharkiv. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ternopil, 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 $19.00 in Ternopil and $27.00 in Kharkiv. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 16% more in Kharkiv, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$1,200 covers both cities comfortably – all-in costs are $566 in Ternopil and $683 in Kharkiv, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Ternopil costs $566 versus $683 in Kharkiv. 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 Ternopil. If higher salaries, better infrastructure, or specific career opportunities are the priority, Kharkiv makes more sense. Both are solid long-term options with distinct trade-offs.