Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Kyiv

For one person, living is cheaper in Ternopil: $690 a month against $1,009 in Kyiv, rent and utilities included – about $3,800 less a year. Rent and utilities account for about half of the difference.

33

Cost of Living Index in Ternopil
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Ternopil Living Index
49

Cost of Living Index in Kyiv
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Kyiv Living Index

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Kyiv

🇺🇦 Ukraine

$1,009

/mo nomad

Monthly Cost of Living

How much you'll spend in Ternopil and in Kyiv

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

Monthly costs for one person with rent: $690 in Ternopil versus $1,009 in Kyiv.

Ternopil $690
Kyiv $1,009

Estimated couple costs with rent: $1,143 in Ternopil versus $1,576 in Kyiv.

Ternopil $1,143
Kyiv $1,576

Monthly costs for a family of three with rent: $1,595 in Ternopil versus $2,142 in Kyiv.

Ternopil $1,595
Kyiv $2,142

Living in Ternopil costs roughly 32% less than in Kyiv, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Ternopil 49% lower, Kyiv 26% lower.

Meal at Budget Restaurant

$3.36 ₴151

$11.05 ₴496

-69.59%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$33.49 ₴1,503

-40.07%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$7.72 ₴347

-29.40%

Cappuccino

$1.22 ₴54.6

$1.74 ₴78.2

-29.89%

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

$0.69 ₴30.83

$0.73 ₴32.69

-5.48%

Water (0.33 liter bottle)

$0.51 ₴22.79

$0.59 ₴26.63

-13.56%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$1.35 ₴60.8

-33.33%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$2.02 ₴90.9

-23.76%

Milk (1 liter)

$1.34 ₴60.2

$1.34 ₴60.4

White Bread (500g)

$0.72 ₴32.38

$0.89 ₴39.81

-19.10%

Rice (white) (1kg)

$2.00 ₴89.8

$1.43 ₴64.3

39.86%

Eggs

$1.96 ₴87.8

$1.99 ₴89.3

-1.51%

Local Cheese (1kg)

$7.95 ₴357

$10.15 ₴456

-21.67%

Chicken Fillets (1kg)

$3.99 ₴179

$5.40 ₴242

-26.11%

Beef Round Steak (1kg)

$5.93 ₴266

$8.95 ₴402

-33.74%

Apples (1kg)

$0.72 ₴32.20

$1.24 ₴55.7

-41.94%

Banana (1kg)

$1.58 ₴70.8

$1.55 ₴69.5

1.94%

Oranges (1kg)

$1.43 ₴64.2

$1.82 ₴81.6

-21.43%

Tomato (1kg)

$2.73 ₴123

$2.68 ₴120

1.87%

Potato (1kg)

$0.54 ₴24.26

$0.63 ₴28.44

-14.29%

Onion (1kg)

$0.39 ₴17.59

$0.45 ₴20.10

-13.33%

Lettuce (1 head)

$1.36 ₴61.3

$1.50 ₴67.3

-9.33%

Water (1.5 liter bottle)

$0.52 ₴23.17

$0.65 ₴29.24

-20.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$3.48 ₴156

-22.70%

Wine (Bottle)

$3.25 ₴146

$5.69 ₴256

-42.88%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$0.93 ₴41.62

-5.38%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$1.38 ₴61.9

70.29%

One-way Ticket (Public Transport)

$0.39 ₴17.61

$0.69 ₴31.03

-43.48%

Public Transport Monthly Pass (Regular Price)

$11.17 ₴502

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$2.21 ₴99.1

-35.75%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$0.45 ₴20.42

-17.78%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$4.84 ₴217

-15.70%

Gasoline (1 liter)

$1.57 ₴70.7

$1.76 ₴79.0

-10.80%

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

$31.5K ₴1.4M

$30.6K ₴1.4M

3.04%

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

$25.1K ₴1.1M

$25.4K ₴1.1M

-1.09%

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

$55.4 ₴2,488

$99.5 ₴4,467

-44.31%

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

$4.74 ₴213

$6.91 ₴310

-31.40%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$6.67 ₴299

-26.24%

Gym Membership (Monthly)

$20.69 ₴929

$36.15 ₴1,623

-42.77%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

$18.24 ₴819

-24.12%

Cinema Ticket

$3.59 ₴161

$5.54 ₴248

-35.20%

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

$245 ₴11.0K

$410 ₴18.4K

-40.30%

International Primary School, 1 Child (Yearly)

$15.0K ₴675.1K

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$75.3 ₴3,378

-34.17%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$40.20 ₴1,805

16.57%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$94.6 ₴4,246

4.24%

Men's Leather Business Shoes

$90.1 ₴4,043

$117 ₴5,264

-23.19%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$632 ₴28.4K

-53.06%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$342 ₴15.4K

-31.62%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

$1,285 ₴57.7K

-56.08%

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

$624 ₴28.0K

-11.70%

Buy Apartment in City Center (m2)

$994 ₴44.6K

$2,707 ₴121.5K

-63.27%

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

$1,118 ₴50.2K

-54.90%

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$828 ₴37.2K

-41.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

17.88

23.04%

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

Last update for Ternopil: October 19, 2026

Last update for Kyiv: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Kyiv

$342 33.9% 46.2% $108

Groceries & Markets

Ternopil

$160 23.2%

Kyiv

$192 19% 19.8% $32

Clothing & Footwear

Ternopil

$128 18.6%

Kyiv

$147 14.6% 14.8% $19

Eating Out

Ternopil

$70 10.2%

Kyiv

$149 14.7% 112% $78

Monthly Utilities & Internet

Ternopil

$65 9.4%

Kyiv

$113 11.2% 73.8% $48

Sport & Entertainment

Ternopil

$28 4%

Kyiv

$47 4.7% 69.4% $19

Getting Around

Ternopil

$4.9 * 0.7%

Kyiv

$18 1.8% 279% $14

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

Cost Breakdown

A one-bedroom apartment in the center runs $297 in Ternopil and $632 in Kyiv. Housing cost is often the main lever when comparing two cities.

Kyiv pays 70% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $20.00 in Ternopil vs $33.00 in Kyiv for a mid-range dinner for two. Groceries echo the gap at $160 vs $192 per month, with Ternopil cheaper across the board.

Good to know

🇺🇦 Ternopil

🇺🇦 Kyiv

🕒 Local time

08:22 8:22 AM

Same time as Ternopil

🌤 Weather

👥 Population

218,134

2,908,249 Capital

💱 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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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 Kyiv: Cost of Living - Frequently Asked Questions

Ternopil is cheaper overall, especially in groceries, clothing, and eating out. The 46% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 70% lower in Kyiv. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $297 in Ternopil versus $632 in Kyiv. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $245 in Ternopil versus $410 in Kyiv. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ternopil – a meal for two runs $20.00 versus $33.00 in Kyiv. If you eat out regularly, this makes a real dent in your monthly spending.

At $690 in Ternopil versus $1,009 in Kyiv, a $2,000 budget is realistic in Ternopil but tight or insufficient in Kyiv. The gap between the two cities makes Ternopil the clear choice for anyone on this budget.

For families, Ternopil is more practical. Housing and childcare are both notably cheaper than in Kyiv, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ternopil and Kyiv are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ternopil gentler on the wallet – expenses run 46% less than in Kyiv. Beyond cost, consider language, visa policies, and how big the international community is in each city.