Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Lviv

For one person, living is cheaper in Ternopil: $690 a month against $1,015 in Lviv, rent and utilities included – about $3,900 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Ternopil
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Ternopil Living Index
49

Cost of Living Index in Lviv
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Lviv Living Index

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Lviv

🇺🇦 Ukraine

$1,015

/mo nomad

Monthly Cost of Living

How much you'll spend in Ternopil and in Lviv

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

Monthly costs for one person with rent: $690 in Ternopil versus $1,015 in Lviv.

Ternopil $690
Lviv $1,015

Estimated couple costs with rent: $1,143 in Ternopil versus $1,540 in Lviv.

Ternopil $1,143
Lviv $1,540

Monthly costs for a family of three with rent: $1,595 in Ternopil versus $2,066 in Lviv.

Ternopil $1,595
Lviv $2,066

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

Both cities sit below the global median: Ternopil 49% lower, Lviv 25% lower.

Meal at Budget Restaurant

$3.36 ₴151

$6.79 ₴305

-50.52%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$36.44 ₴1,636

-44.92%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$6.78 ₴304

-19.62%

Cappuccino

$1.22 ₴54.6

$2.17 ₴97.5

-43.78%

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

$0.69 ₴30.83

$1.36 ₴61.1

-49.26%

Water (0.33 liter bottle)

$0.51 ₴22.79

$1.30 ₴58.3

-60.77%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$2.37 ₴107

-62.03%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$2.97 ₴133

-48.15%

Milk (1 liter)

$1.34 ₴60.2

$1.29 ₴57.8

3.88%

White Bread (500g)

$0.72 ₴32.38

$0.86 ₴38.68

-16.28%

Rice (white) (1kg)

$2.00 ₴89.8

$1.69 ₴75.7

18.34%

Eggs

$1.96 ₴87.8

$2.10 ₴94.2

-6.67%

Local Cheese (1kg)

$7.95 ₴357

$9.03 ₴405

-11.96%

Chicken Fillets (1kg)

$3.99 ₴179

$4.68 ₴210

-14.74%

Beef Round Steak (1kg)

$5.93 ₴266

$7.78 ₴349

-23.78%

Apples (1kg)

$0.72 ₴32.20

$1.31 ₴58.7

-45.04%

Banana (1kg)

$1.58 ₴70.8

$1.57 ₴70.4

0.64%

Oranges (1kg)

$1.43 ₴64.2

$1.77 ₴79.3

-19.21%

Tomato (1kg)

$2.73 ₴123

$2.51 ₴113

8.76%

Potato (1kg)

$0.54 ₴24.26

$0.75 ₴33.80

-28.00%

Onion (1kg)

$0.39 ₴17.59

$0.54 ₴24.08

-27.78%

Lettuce (1 head)

$1.36 ₴61.3

$1.49 ₴66.8

-8.72%

Water (1.5 liter bottle)

$0.52 ₴23.17

$0.53 ₴23.64

-1.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$3.27 ₴147

-17.74%

Wine (Bottle)

$3.25 ₴146

$6.61 ₴297

-50.83%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$0.90 ₴40.59

-2.22%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$1.56 ₴69.8

50.64%

One-way Ticket (Public Transport)

$0.39 ₴17.61

$0.54 ₴24.24

-27.78%

Public Transport Monthly Pass (Regular Price)

$19.59 ₴879

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$2.91 ₴130

-51.20%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$0.32 ₴14.27

15.62%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$4.10 ₴184

-0.49%

Gasoline (1 liter)

$1.57 ₴70.7

$1.67 ₴75.1

-5.99%

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

$31.5K ₴1.4M

$31.2K ₴1.4M

0.85%

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

$25.1K ₴1.1M

$24.1K ₴1.1M

4.06%

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

$55.4 ₴2,488

$84.1 ₴3,776

-34.11%

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

$4.74 ₴213

$5.83 ₴262

-18.70%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$7.34 ₴330

-32.97%

Gym Membership (Monthly)

$20.69 ₴929

$31.88 ₴1,431

-35.10%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

$14.26 ₴640

-2.95%

Cinema Ticket

$3.59 ₴161

$4.84 ₴217

-25.83%

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

$245 ₴11.0K

$331 ₴14.9K

-26.08%

International Primary School, 1 Child (Yearly)

$7,018 ₴315.0K

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$88.3 ₴3,962

-43.87%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$43.98 ₴1,974

6.55%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$93.5 ₴4,197

5.44%

Men's Leather Business Shoes

$90.1 ₴4,043

$98.4 ₴4,416

-8.45%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$502 ₴22.5K

-40.90%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$392 ₴17.6K

-40.29%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

$922 ₴41.4K

-38.82%

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

$628 ₴28.2K

-12.23%

Buy Apartment in City Center (m2)

$994 ₴44.6K

$2,033 ₴91.3K

-51.09%

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

$1,295 ₴58.1K

-61.05%

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$651 ₴29.2K

-25.12%

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 Lviv: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Lviv

$392 38.6% 67.5% $158

Groceries & Markets

Ternopil

$160 23.2%

Lviv

$182 18% 14% $22

Clothing & Footwear

Ternopil

$128 18.6%

Lviv

$146 14.4% 13.7% $18

Eating Out

Ternopil

$70 10.2%

Lviv

$129 12.7% 84% $59

Monthly Utilities & Internet

Ternopil

$65 9.4%

Lviv

$97 9.6% 49.5% $32

Sport & Entertainment

Ternopil

$28 4%

Lviv

$42 4.1% 49% $14

Getting Around

Ternopil

$4.9 * 0.7%

Lviv

$26 2.6% 440% $21

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 $502 in Lviv. Housing cost is often the main lever when comparing two cities.

Lviv pays 34% 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 $36.00 in Lviv for a mid-range dinner for two. Groceries echo the gap at $160 vs $182 per month, with Ternopil cheaper across the board.

Good to know

🇺🇦 Ternopil

🇺🇦 Lviv

🕒 Local time

13:16 1:16 PM

Same time as Ternopil

🌤 Weather

👥 Population

218,134

728,350

💱 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 Lviv: Cost of Living - Frequently Asked Questions

Ternopil and Lviv differ by about 47% in total monthly costs ($690 vs $1,015 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 34% lower in Lviv. 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 $502 in Lviv. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $245 in Ternopil versus $331 in Lviv. 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 $36.00 in Lviv. If you eat out regularly, this makes a real dent in your monthly spending.

At $690 in Ternopil versus $1,015 in Lviv, a $2,000 budget is realistic in Ternopil but tight or insufficient in Lviv. The gap between the two cities makes Ternopil the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ternopil and Lviv 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 47% less than in Lviv. Beyond cost, consider language, visa policies, and how big the international community is in each city.