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

Monthly Cost of Living

A single person spends $582 per month in Ternopil vs $642 in Khmelnytskyi, rent included.

A couple spends around $895 per month in Ternopil vs $947 in Khmelnytskyi, rent included.

A family of three spends $1,208 per month in Ternopil vs $1,253 in Khmelnytskyi, rent included.

Ternopil is about 9% cheaper than Khmelnytskyi, driven mainly by Groceries & Markets.

Both Ternopil and Khmelnytskyi are more affordable than the global median – Ternopil 57% lower, Khmelnytskyi 52% lower.

Meal at Budget Restaurant

$4.86 ₴216

$4.26 ₴189

14.08%

Three-Course Dinner for Two, Mid-Range

$19.46 ₴864

$18.44 ₴818

5.53%

Fast Food Meal (McDonalds, etc)

$5.96 ₴265

$4.67 ₴207

27.62%

Cappuccino

$0.83 ₴36.63

$0.90 ₴39.74

-7.78%

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

$0.62 ₴27.37

$0.55 ₴24.41

12.73%

Water (0.33 liter bottle)

$0.32 ₴14.30

$0.29 ₴12.86

10.34%

Local Beer (0.5 liter draught)

$0.85 ₴37.76

$1.10 ₴49.03

-22.73%

Imported Beer (0.33 liter bottle)

$1.18 ₴52.2

$1.71 ₴75.7

-30.99%

Milk (1 liter)

$0.96 ₴42.59

$1.26 ₴56.0

-23.81%

White Bread (500g)

$0.49 ₴21.64

$0.63 ₴27.84

-22.22%

Rice (white) (1kg)

$1.29 ₴57.1

$0.96 ₴42.81

34.38%

Eggs

$1.51 ₴66.8

$1.41 ₴62.4

7.09%

Local Cheese (1kg)

$4.96 ₴220

$7.84 ₴348

-36.73%

Chicken Fillets (1kg)

$3.59 ₴159

$3.86 ₴171

-6.99%

Beef Round Steak (1kg)

$4.81 ₴213

$5.89 ₴261

-18.34%

Apples (1kg)

$0.83 ₴36.73

$0.60 ₴26.41

38.33%

Banana (1kg)

$1.47 ₴65.3

$1.14 ₴50.6

28.95%

Oranges (1kg)

$2.15 ₴95.2

$1.82 ₴80.8

18.13%

Tomato (1kg)

$1.69 ₴75.1

$1.06 ₴47.00

59.43%

Potato (1kg)

$0.54 ₴24.00

$0.23 ₴10.16

134.78%

Onion (1kg)

$0.64 ₴28.39

$0.27 ₴11.91

137.04%

Lettuce (1 head)

$1.27 ₴56.6

$1.41 ₴62.5

-9.93%

Water (1.5 liter bottle)

$0.43 ₴19.28

$0.52 ₴23.07

-17.31%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 ₴97.8

$2.24 ₴99.4

-1.79%

Wine (Bottle)

$3.46 ₴153

$6.72 ₴298

-48.51%

Local Beer (0.5 liter bottle)

$0.84 ₴37.11

$0.74 ₴33.04

13.51%

Imported Beer (0.33 liter bottle)

$1.19 ₴52.7

$1.01 ₴44.78

17.82%

One-way Ticket (Public Transport)

$0.35 ₴15.50

$0.28 ₴12.38

25.00%

Public Transport Monthly Pass (Regular Price)

$6.30 ₴279

Taxi Start (Normal Tariff)

$0.88 ₴39.08

$1.16 ₴51.6

-24.14%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.20

$0.28 ₴12.31

-17.86%

Taxi 1hour Waiting (Normal Tariff)

$2.93 ₴130

$4.32 ₴192

-32.18%

Gasoline (1 liter)

$1.29 ₴57.4

$1.33 ₴59.0

-3.01%

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

$30.1K ₴1.3M

$31.0K ₴1.4M

-2.87%

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

$24.2K ₴1.1M

$24.5K ₴1.1M

-0.88%

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

$61.0 ₴2,705

$71.3 ₴3,165

-14.51%

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

$5.36 ₴238

$3.63 ₴161

47.66%

Internet (50+ Mbps, Unlimited Data)

$6.41 ₴284

$2.91 ₴129

120.27%

Gym Membership (Monthly)

$22.26 ₴988

$17.88 ₴794

24.50%

Tennis Court (1 Hour on Weekend)

$12.34 ₴548

$6.18 ₴274

99.68%

Cinema Ticket

$4.46 ₴198

$3.22 ₴143

38.51%

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

$261 ₴11.6K

$197 ₴8,751

32.40%

International Primary School, 1 Child (Yearly)

$3,457 ₴153.4K

$7,910 ₴351.1K

-56.30%

Jeans (Levis 501 Or Similar)

$41.89 ₴1,859

$19.24 ₴854

117.72%

Summer Dress (H&M, Zara, etc)

$24.36 ₴1,081

$9.58 ₴425

154.28%

Sport Shoes (Adidas, Nike)

$72.2 ₴3,204

$91.4 ₴4,057

-21.04%

Men's Leather Business Shoes

$85.1 ₴3,776

$113 ₴4,994

-24.38%

1-bedroom Apartment, City Center (Monthly)

$256 ₴11.4K

$264 ₴11.7K

-2.78%

1-bedroom Apartment, Outside City Center (Monthly)

$160 ₴7,107

$216 ₴9,595

-25.93%

3-bedroom Apartment, City Center (Monthly)

$361 ₴16.0K

$432 ₴19.2K

-16.48%

3-bedroom Apartment, Outside City Center (Monthly)

$289 ₴12.8K

$310 ₴13.8K

-6.63%

Buy Apartment in City Center (m2)

$1,019 ₴45.2K

$759 ₴33.7K

34.12%

Buy Apartment Outside City Center (m2)

$517 ₴22.9K

$607 ₴27.0K

-14.87%

Average Monthly Net Salary (After Tax)

$491 ₴21.8K

$410 ₴18.2K

19.89%

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: June 1, 2026

Last update for Khmelnytskyi: May 31, 2026

Cost Breakdown

A central one-bedroom costs $256 in Ternopil versus $264 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 20% 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 $19.00 in Ternopil versus $18.00 in Khmelnytskyi. Groceries tell a different story – $130 in Ternopil vs $144 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: $582 in Ternopil, $642 in Khmelnytskyi – roughly 10% apart. Khmelnytskyi costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $873 per month in Ternopil and $962 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 11% 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 $582 in Ternopil and $642 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.