Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Khmelnytskyi

For one person, living is cheaper in Ternopil: $690 a month against $732 in Khmelnytskyi, rent and utilities included – about $500 less a year. The total is higher in Khmelnytskyi despite lower rent and utilities.

33

Cost of Living Index in Ternopil
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Ternopil Living Index
35

Cost of Living Index in Khmelnytskyi
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Khmelnytskyi Living Index

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Khmelnytskyi

🇺🇦 Ukraine

$732

/mo nomad

Monthly Cost of Living

How much you'll spend in Ternopil and in Khmelnytskyi

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

A single person spends $690 per month in Ternopil vs $732 in Khmelnytskyi, rent included.

Ternopil $690
Khmelnytskyi $732

A couple spends around $1,143 per month in Ternopil vs $962 in Khmelnytskyi, rent included.

Ternopil $1,143
Khmelnytskyi $962

A family of three spends $1,595 per month in Ternopil vs $1,191 in Khmelnytskyi, rent included.

Ternopil $1,595
Khmelnytskyi $1,191

Ternopil is about 6% cheaper than Khmelnytskyi, and outside of rent the biggest gap is in eating out.

Both Ternopil and Khmelnytskyi are more affordable than the global median – Ternopil 49% lower, Khmelnytskyi 46% lower.

Meal at Budget Restaurant

$3.36 ₴151

$6.69 ₴300

-49.78%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$23.03 ₴1,034

-12.85%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$5.28 ₴237

3.22%

Cappuccino

$1.22 ₴54.6

$1.30 ₴58.3

-6.15%

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

$0.69 ₴30.83

$0.65 ₴29.28

6.15%

Water (0.33 liter bottle)

$0.51 ₴22.79

$0.35 ₴15.73

45.71%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$1.08 ₴48.41

-16.67%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$1.57 ₴70.5

-1.91%

Milk (1 liter)

$1.34 ₴60.2

$1.24 ₴55.9

8.06%

White Bread (500g)

$0.72 ₴32.38

$0.70 ₴31.59

2.86%

Rice (white) (1kg)

$2.00 ₴89.8

$1.12 ₴50.5

78.57%

Eggs

$1.96 ₴87.8

$2.11 ₴94.6

-7.11%

Local Cheese (1kg)

$7.95 ₴357

$8.76 ₴393

-9.25%

Chicken Fillets (1kg)

$3.99 ₴179

$4.65 ₴209

-14.19%

Beef Round Steak (1kg)

$5.93 ₴266

$7.77 ₴349

-23.68%

Apples (1kg)

$0.72 ₴32.20

$1.36 ₴61.2

-47.06%

Banana (1kg)

$1.58 ₴70.8

$1.56 ₴69.9

1.28%

Oranges (1kg)

$1.43 ₴64.2

$1.75 ₴78.5

-18.29%

Tomato (1kg)

$2.73 ₴123

$2.03 ₴91.2

34.48%

Potato (1kg)

$0.54 ₴24.26

$0.81 ₴36.25

-33.33%

Onion (1kg)

$0.39 ₴17.59

$0.53 ₴23.70

-26.42%

Lettuce (1 head)

$1.36 ₴61.3

$1.51 ₴68.0

-9.93%

Water (1.5 liter bottle)

$0.52 ₴23.17

$0.57 ₴25.70

-8.77%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$2.83 ₴127

-4.95%

Wine (Bottle)

$3.25 ₴146

$6.46 ₴290

-49.69%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$0.86 ₴38.72

2.33%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$1.63 ₴73.2

44.17%

One-way Ticket (Public Transport)

$0.39 ₴17.61

$0.32 ₴14.17

21.88%

Public Transport Monthly Pass (Regular Price)

$10.02 ₴450

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$1.25 ₴56.0

13.60%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$0.32 ₴14.32

15.62%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$4.18 ₴187

-2.39%

Gasoline (1 liter)

$1.57 ₴70.7

$1.68 ₴75.6

-6.55%

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

$31.5K ₴1.4M

$29.3K ₴1.3M

7.61%

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

$25.1K ₴1.1M

$21.8K ₴979.1K

15.20%

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

$55.4 ₴2,488

$67.8 ₴3,042

-18.21%

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

$4.74 ₴213

$5.96 ₴268

-20.47%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$6.34 ₴285

-22.40%

Gym Membership (Monthly)

$20.69 ₴929

$33.15 ₴1,488

-37.59%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

Cinema Ticket

$3.59 ₴161

$2.83 ₴127

26.86%

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

$245 ₴11.0K

$330 ₴14.8K

-25.82%

International Primary School, 1 Child (Yearly)

$7,112 ₴319.2K

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$58.2 ₴2,611

-14.84%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$43.36 ₴1,947

8.07%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$76.7 ₴3,444

28.51%

Men's Leather Business Shoes

$90.1 ₴4,043

$99.0 ₴4,442

-8.98%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$338 ₴15.2K

-12.22%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$202 ₴9,058

15.99%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

Buy Apartment in City Center (m2)

$994 ₴44.6K

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$442 ₴19.8K

10.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

14.67

49.97%

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

Last update for Ternopil: October 19, 2026

Last update for Khmelnytskyi: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Khmelnytskyi

$202 27.6% 13.8% $32

Groceries & Markets

Ternopil

$160 23.2%

Khmelnytskyi

$175 24% 9.6% $15

Clothing & Footwear

Ternopil

$128 18.6%

Khmelnytskyi

$125 17% 2.8% $3.5

Eating Out

Ternopil

$70 10.2%

Khmelnytskyi

$97 13.3% 38.8% $27

Monthly Utilities & Internet

Ternopil

$65 9.4%

Khmelnytskyi

$80 10.9% 23% $15

Sport & Entertainment

Ternopil

$28 4%

Khmelnytskyi

$39 5.3% 39.2% $11

Getting Around

Ternopil

$4.9 * 0.7%

Khmelnytskyi

$14 1.9% 191% $9.3

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 $338 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 10% 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 $20.00 in Ternopil versus $23.00 in Khmelnytskyi. Monthly groceries follow the same trend: $160 vs $175 – making Ternopil the more affordable choice for daily food spending.

Good to know

🇺🇦 Ternopil

🇺🇦 Khmelnytskyi

🕒 Local time

10:36 10:36 AM

Same time as Ternopil

🌤 Weather

👥 Population

218,134

269,308

💱 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 Khmelnytskyi 100 km

From you

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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 Khmelnytskyi: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $690 in Ternopil, $732 in Khmelnytskyi – roughly 6% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,036 per month in Ternopil and $1,099 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 $20.00 in Ternopil and $23.00 in Khmelnytskyi. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 10% 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 $690 in Ternopil and $732 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.