Cost of Living Comparison Between Ternopil and Khmelnytskyi Cost of Living Comparison Between Ternopil and Khmelnytskyi

Monthly Cost of Living

A single person spends $566 per month in Ternopil vs $649 in Khmelnytskyi, rent included.

A couple spends around $908 per month in Ternopil vs $943 in Khmelnytskyi, rent included.

A family of three spends $1,251 per month in Ternopil vs $1,238 in Khmelnytskyi, rent included.

Ternopil is about 13% cheaper than Khmelnytskyi, driven mainly by Sport & Entertainment.

Both Ternopil and Khmelnytskyi are more affordable than the global median – Ternopil 58% lower, Khmelnytskyi 52% lower.

Meal at Budget Restaurant

$4.88 ₴214

$4.36 ₴191

11.93%

Three-Course Dinner for Two, Mid-Range

$19.02 ₴836

$17.80 ₴782

6.85%

Fast Food Meal (McDonalds, etc)

$5.67 ₴249

$4.81 ₴212

17.88%

Cappuccino

$0.81 ₴35.82

$0.91 ₴39.97

-10.99%

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

$0.61 ₴27.02

$0.55 ₴24.35

10.91%

Water (0.33 liter bottle)

$0.32 ₴14.16

$0.29 ₴12.60

10.34%

Local Beer (0.5 liter draught)

$0.84 ₴37.08

$1.06 ₴46.72

-20.75%

Imported Beer (0.33 liter bottle)

$1.19 ₴52.3

$1.71 ₴75.3

-30.41%

Milk (1 liter)

$1.03 ₴45.14

$1.29 ₴56.8

-20.16%

White Bread (500g)

$0.51 ₴22.51

$0.63 ₴27.64

-19.05%

Rice (white) (1kg)

$1.28 ₴56.3

$1.03 ₴45.15

24.27%

Eggs

$1.50 ₴66.1

$1.39 ₴61.2

7.91%

Local Cheese (1kg)

$4.97 ₴218

$7.95 ₴349

-37.48%

Chicken Fillets (1kg)

$3.67 ₴161

$3.88 ₴171

-5.41%

Beef Round Steak (1kg)

$4.96 ₴218

$5.85 ₴257

-15.21%

Apples (1kg)

$0.83 ₴36.41

$0.60 ₴26.59

38.33%

Banana (1kg)

$1.53 ₴67.1

$1.11 ₴48.63

37.84%

Oranges (1kg)

$2.11 ₴92.9

$1.75 ₴76.9

20.57%

Tomato (1kg)

$1.74 ₴76.3

$1.02 ₴44.84

70.59%

Potato (1kg)

$0.54 ₴23.82

$0.23 ₴10.10

134.78%

Onion (1kg)

$0.66 ₴29.06

$0.27 ₴11.75

144.44%

Lettuce (1 head)

$1.24 ₴54.6

$1.34 ₴59.0

-7.46%

Water (1.5 liter bottle)

$0.44 ₴19.29

$0.52 ₴22.97

-15.38%

Cigarettes 20 Pack (Marlboro, Camel)

$2.15 ₴94.3

$2.21 ₴97.3

-2.71%

Wine (Bottle)

$3.42 ₴151

$3.33 ₴147

2.70%

Local Beer (0.5 liter bottle)

$0.83 ₴36.67

$0.73 ₴32.24

13.70%

Imported Beer (0.33 liter bottle)

$1.25 ₴54.8

$1.00 ₴44.04

25.00%

One-way Ticket (Public Transport)

$0.38 ₴16.55

$0.30 ₴13.25

26.67%

Public Transport Monthly Pass (Regular Price)

$6.14 ₴270

Taxi Start (Normal Tariff)

$0.87 ₴38.20

$1.14 ₴49.96

-23.68%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.10

$0.28 ₴12.11

-17.86%

Taxi 1hour Waiting (Normal Tariff)

$2.83 ₴124

$4.23 ₴186

-33.10%

Gasoline (1 liter)

$1.29 ₴56.9

$1.34 ₴59.1

-3.73%

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

$30.6K ₴1.3M

$31.3K ₴1.4M

-2.42%

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

$24.3K ₴1.1M

$24.6K ₴1.1M

-1.14%

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

$61.8 ₴2,715

$71.6 ₴3,149

-13.78%

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

$5.32 ₴234

$3.66 ₴161

45.36%

Internet (50+ Mbps, Unlimited Data)

$6.41 ₴282

$3.00 ₴132

113.67%

Gym Membership (Monthly)

$22.37 ₴983

$17.96 ₴789

24.55%

Tennis Court (1 Hour on Weekend)

$12.66 ₴557

$6.05 ₴266

109.26%

Cinema Ticket

$4.33 ₴190

$3.33 ₴147

30.03%

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

$269 ₴11.8K

$193 ₴8,487

39.15%

International Primary School, 1 Child (Yearly)

$3,415 ₴150.1K

$7,766 ₴341.4K

-56.03%

Jeans (Levis 501 Or Similar)

$41.67 ₴1,832

$18.97 ₴834

119.66%

Summer Dress (H&M, Zara, etc)

$23.80 ₴1,046

$9.91 ₴436

140.16%

Sport Shoes (Adidas, Nike)

$73.7 ₴3,242

$90.4 ₴3,972

-18.38%

Men's Leather Business Shoes

$85.4 ₴3,753

$116 ₴5,089

-26.25%

1-bedroom Apartment, City Center (Monthly)

$263 ₴11.6K

$271 ₴11.9K

-2.87%

1-bedroom Apartment, Outside City Center (Monthly)

$161 ₴7,067

$221 ₴9,696

-27.11%

3-bedroom Apartment, City Center (Monthly)

$364 ₴16.0K

$438 ₴19.2K

-16.82%

3-bedroom Apartment, Outside City Center (Monthly)

$295 ₴13.0K

$316 ₴13.9K

-6.56%

Buy Apartment in City Center (m2)

$1,011 ₴44.5K

$747 ₴32.9K

35.31%

Buy Apartment Outside City Center (m2)

$502 ₴22.1K

$602 ₴26.4K

-16.58%

Average Monthly Net Salary (After Tax)

$488 ₴21.5K

$394 ₴17.3K

24.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

19.34

-58.63%

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

Last update for Ternopil: April 19, 2026

Last update for Khmelnytskyi: April 20, 2026

Cost Breakdown

A central one-bedroom costs $263 in Ternopil versus $271 in Khmelnytskyi. 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 24% 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 $18 in Khmelnytskyi. Groceries tell a different story – $132 in Ternopil vs $137 in Khmelnytskyi – so Ternopil wins on supermarket bills even if dining out costs more.

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 Khmelnytskyi: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $566 in Ternopil, $649 in Khmelnytskyi – roughly 15% apart. Khmelnytskyi costs more across the board, with Sport & Entertainment showing the biggest gap.

For a comfortable life, plan on about $849 per month in Ternopil and $973 in Khmelnytskyi. 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 $18.00 in Khmelnytskyi. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 4% more in Khmelnytskyi, 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 $649 in Khmelnytskyi, leaving budget for savings and extras in both cases.

Families tend to lean toward Ternopil – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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, Khmelnytskyi makes more sense. Both are solid long-term options with distinct trade-offs.