Cost of Living Comparison Between Ternopil and Kyiv Cost of Living Comparison Between Ternopil and Kyiv

Monthly Cost of Living

Monthly costs for one person with rent: $566 in Ternopil versus $979 in Kyiv.

Estimated couple costs with rent: $908 in Ternopil versus $1,495 in Kyiv.

Monthly costs for a family of three with rent: $1,251 in Ternopil versus $2,011 in Kyiv.

Living in Ternopil costs roughly 42% less than in Kyiv, driven mainly by Groceries & Markets.

Both cities sit below the global median: Ternopil 58% lower, Kyiv 27% lower.

Meal at Budget Restaurant

$4.88 ₴214

$8.71 ₴383

-43.97%

Three-Course Dinner for Two, Mid-Range

$19.02 ₴836

$32.02 ₴1,408

-40.60%

Fast Food Meal (McDonalds, etc)

$5.67 ₴249

$5.92 ₴260

-4.22%

Cappuccino

$0.81 ₴35.82

$1.56 ₴68.6

-48.08%

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

$0.61 ₴27.02

$0.67 ₴29.56

-8.96%

Water (0.33 liter bottle)

$0.32 ₴14.16

$0.42 ₴18.57

-23.81%

Local Beer (0.5 liter draught)

$0.84 ₴37.08

$1.06 ₴46.76

-20.75%

Imported Beer (0.33 liter bottle)

$1.19 ₴52.3

$1.92 ₴84.4

-38.02%

Milk (1 liter)

$1.03 ₴45.14

$1.29 ₴56.8

-20.16%

White Bread (500g)

$0.51 ₴22.51

$0.82 ₴36.16

-37.80%

Rice (white) (1kg)

$1.28 ₴56.3

$1.92 ₴84.2

-33.33%

Eggs

$1.50 ₴66.1

$1.97 ₴86.8

-23.86%

Local Cheese (1kg)

$4.97 ₴218

$9.58 ₴421

-48.12%

Chicken Fillets (1kg)

$3.67 ₴161

$4.44 ₴195

-17.34%

Beef Round Steak (1kg)

$4.96 ₴218

$7.75 ₴341

-36.00%

Apples (1kg)

$0.83 ₴36.41

$1.02 ₴44.64

-18.63%

Banana (1kg)

$1.53 ₴67.1

$1.62 ₴71.1

-5.56%

Oranges (1kg)

$2.11 ₴92.9

$1.78 ₴78.1

18.54%

Tomato (1kg)

$1.74 ₴76.3

$2.22 ₴97.8

-21.62%

Potato (1kg)

$0.54 ₴23.82

$0.88 ₴38.56

-38.64%

Onion (1kg)

$0.66 ₴29.06

$0.59 ₴25.95

11.86%

Lettuce (1 head)

$1.24 ₴54.6

$1.36 ₴59.7

-8.82%

Water (1.5 liter bottle)

$0.44 ₴19.29

$0.59 ₴25.79

-25.42%

Cigarettes 20 Pack (Marlboro, Camel)

$2.15 ₴94.3

$2.88 ₴126

-25.35%

Wine (Bottle)

$3.42 ₴151

$5.76 ₴253

-40.63%

Local Beer (0.5 liter bottle)

$0.83 ₴36.67

$0.89 ₴39.22

-6.74%

Imported Beer (0.33 liter bottle)

$1.25 ₴54.8

$1.63 ₴71.5

-23.31%

One-way Ticket (Public Transport)

$0.38 ₴16.55

$0.18 ₴7.79

111.11%

Public Transport Monthly Pass (Regular Price)

$9.46 ₴416

Taxi Start (Normal Tariff)

$0.87 ₴38.20

$2.10 ₴92.3

-58.57%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.10

$0.34 ₴15.15

-32.35%

Taxi 1hour Waiting (Normal Tariff)

$2.83 ₴124

$4.29 ₴188

-34.03%

Gasoline (1 liter)

$1.29 ₴56.9

$1.41 ₴62.2

-8.51%

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

$30.6K ₴1.3M

-0.14%

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

$24.3K ₴1.1M

0.20%

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

$61.8 ₴2,715

$109 ₴4,811

-43.57%

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

$5.32 ₴234

$5.79 ₴255

-8.12%

Internet (50+ Mbps, Unlimited Data)

$6.41 ₴282

$6.98 ₴307

-8.17%

Gym Membership (Monthly)

$22.37 ₴983

$37.41 ₴1,644

-40.20%

Tennis Court (1 Hour on Weekend)

$12.66 ₴557

$16.47 ₴724

-23.13%

Cinema Ticket

$4.33 ₴190

$4.88 ₴214

-11.27%

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

$269 ₴11.8K

$383 ₴16.8K

-29.79%

International Primary School, 1 Child (Yearly)

$3,415 ₴150.1K

$7,701 ₴338.5K

-55.66%

Jeans (Levis 501 Or Similar)

$41.67 ₴1,832

$67.7 ₴2,978

-38.49%

Summer Dress (H&M, Zara, etc)

$23.80 ₴1,046

$36.33 ₴1,597

-34.49%

Sport Shoes (Adidas, Nike)

$73.7 ₴3,242

$100 ₴4,408

-26.47%

Men's Leather Business Shoes

$85.4 ₴3,753

$116 ₴5,097

-26.37%

1-bedroom Apartment, City Center (Monthly)

$263 ₴11.6K

$594 ₴26.1K

-55.74%

1-bedroom Apartment, Outside City Center (Monthly)

$161 ₴7,067

$352 ₴15.5K

-54.37%

3-bedroom Apartment, City Center (Monthly)

$364 ₴16.0K

$1,331 ₴58.5K

-72.65%

3-bedroom Apartment, Outside City Center (Monthly)

$295 ₴13.0K

$614 ₴27.0K

-51.86%

Buy Apartment in City Center (m2)

$1,011 ₴44.5K

$2,727 ₴119.9K

-62.92%

Buy Apartment Outside City Center (m2)

$502 ₴22.1K

$1,099 ₴48.3K

-54.32%

Average Monthly Net Salary (After Tax)

$488 ₴21.5K

$738 ₴32.4K

-33.84%

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 Kyiv: April 19, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $263 in Ternopil and $594 in Kyiv. Housing cost is often the main lever when comparing two cities.

Kyiv pays 51% 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: $19 in Ternopil vs $32 in Kyiv for a mid-range dinner for two. Groceries echo the gap at $132 vs $179 per month, with Ternopil cheaper across the board.

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 & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Monthly Utilities & Internet. The 73% gap adds up to real monthly savings that compound significantly over time.

On paper, Kyiv earns 51% less. 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: $263 in Ternopil versus $594 in Kyiv. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $269 in Ternopil versus $383 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 $19.00 versus $32.00 in Kyiv. If you eat out regularly, this makes a real dent in your monthly spending.

At $566 in Ternopil versus $979 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 73% less than in Kyiv. Beyond cost, consider language, visa policies, and how big the international community is in each city.