Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Mumbai (Bombay)

For one person, living is cheaper in Ternopil: $690 a month against $785 in Mumbai (Bombay), rent and utilities included – about $1,100 less a year. Higher rent and utilities in Mumbai (Bombay) outweigh lower spending on other living expenses.

33

Cost of Living Index in Ternopil
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Ternopil Living Index
38

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Mumbai (Bombay)

🇮🇳 India

$785

/mo nomad

Monthly Cost of Living

How much you'll spend in Ternopil and in Mumbai (Bombay)

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 Mumbai (Bombay) actually costs, broken down by who's living it.

Monthly costs for one person with rent: $690 in Ternopil versus $785 in Mumbai (Bombay).

Ternopil $690
Mumbai (Bombay) $785

Estimated couple costs with rent: $1,143 in Ternopil versus $1,308 in Mumbai (Bombay).

Ternopil $1,143
Mumbai (Bombay) $1,308

Monthly costs for a family of three with rent: $1,595 in Ternopil versus $1,831 in Mumbai (Bombay).

Ternopil $1,595
Mumbai (Bombay) $1,831

Living in Ternopil costs roughly 12% less than in Mumbai (Bombay), and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Ternopil 49% lower, Mumbai (Bombay) 42% lower.

Meal at Budget Restaurant

$3.36 ₴151

$5.18 ₹492

-35.14%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$20.64 ₹1,960

-2.76%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$4.11 ₹390

32.60%

Cappuccino

$1.22 ₴54.6

$2.68 ₹254

-54.48%

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

$0.69 ₴30.83

$0.38 ₹35.88

81.58%

Water (0.33 liter bottle)

$0.51 ₴22.79

$0.13 ₹12.53

292.31%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$2.56 ₹243

-64.84%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$4.24 ₹403

-63.68%

Milk (1 liter)

$1.34 ₴60.2

$0.72 ₹68.1

86.11%

White Bread (500g)

$0.72 ₴32.38

$0.51 ₹48.64

41.18%

Rice (white) (1kg)

$2.00 ₴89.8

$0.78 ₹73.6

156.41%

Eggs

$1.96 ₴87.8

$1.04 ₹98.7

88.46%

Local Cheese (1kg)

$7.95 ₴357

$5.41 ₹514

46.95%

Chicken Fillets (1kg)

$3.99 ₴179

$3.57 ₹339

11.76%

Beef Round Steak (1kg)

$5.93 ₴266

Apples (1kg)

$0.72 ₴32.20

$2.24 ₹213

-67.86%

Banana (1kg)

$1.58 ₴70.8

$0.74 ₹70.0

113.51%

Oranges (1kg)

$1.43 ₴64.2

$1.21 ₹115

18.18%

Tomato (1kg)

$2.73 ₴123

$0.48 ₹45.69

468.75%

Potato (1kg)

$0.54 ₴24.26

$0.35 ₹33.12

54.29%

Onion (1kg)

$0.39 ₴17.59

$0.38 ₹35.70

2.63%

Lettuce (1 head)

$1.36 ₴61.3

$0.40 ₹38.40

240.00%

Water (1.5 liter bottle)

$0.52 ₴23.17

$0.31 ₹29.77

67.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$4.98 ₹473

-45.98%

Wine (Bottle)

$3.25 ₴146

$8.46 ₹803

-61.58%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$1.98 ₹188

-55.56%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$3.17 ₹301

-25.87%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.17 ₹586

One-way Ticket (Public Transport)

$0.39 ₴17.61

$0.22 ₹20.94

77.27%

Public Transport Monthly Pass (Regular Price)

$5.64 ₹535

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$0.35 ₹32.89

305.71%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$0.31 ₹29.21

19.35%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$1.54 ₹146

164.94%

Gasoline (1 liter)

$1.57 ₴70.7

$1.11 ₹105

41.44%

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

$31.5K ₴1.4M

$16.0K ₹1.5M

97.36%

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

$25.1K ₴1.1M

$22.2K ₹2.1M

13.32%

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

$55.4 ₴2,488

$62.2 ₹5,905

-10.87%

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

$4.74 ₴213

$4.58 ₹435

3.49%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$9.43 ₹895

-47.83%

Gym Membership (Monthly)

$20.69 ₴929

$27.93 ₹2,652

-25.92%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

$13.87 ₹1,317

-0.22%

Cinema Ticket

$3.59 ₴161

$4.97 ₹472

-27.77%

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

$245 ₴11.0K

$118 ₹11.2K

106.84%

International Primary School, 1 Child (Yearly)

$4,844 ₹460.0K

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$35.28 ₹3,351

40.42%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$38.79 ₹3,683

20.80%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$55.7 ₹5,291

76.94%

Men's Leather Business Shoes

$90.1 ₴4,043

$46.65 ₹4,429

93.08%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$610 ₹57.9K

-51.32%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$357 ₹33.9K

-34.49%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

$1,876 ₹178.1K

-69.93%

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

$894 ₹84.9K

-38.32%

Buy Apartment in City Center (m2)

$994 ₴44.6K

$5,882 ₹558.6K

-83.09%

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

$2,403 ₹228.2K

-79.01%

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$755 ₹71.7K

-35.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.29

165.38%

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

Last update for Ternopil: October 19, 2026

Last update for Mumbai (Bombay): October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Mumbai (Bombay)

$357 45.5% 52.7% $123

Groceries & Markets

Ternopil

$160 23.2%

Mumbai (Bombay)

$117 14.9% 27% $43

Clothing & Footwear

Ternopil

$128 18.6%

Mumbai (Bombay)

$79 10.1% 38.1% $49

Eating Out

Ternopil

$70 10.2%

Mumbai (Bombay)

$109 13.9% 55.6% $39

Monthly Utilities & Internet

Ternopil

$65 9.4%

Mumbai (Bombay)

$76 9.7% 17.1% $11

Sport & Entertainment

Ternopil

$28 4%

Mumbai (Bombay)

$38 4.8% 35.9% $10

Getting Around

Ternopil

$4.9 * 0.7%

Mumbai (Bombay)

$8.4 1.1% 72.8% $3.5

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 $610 in Mumbai (Bombay). Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 55% 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 $21.00 in Mumbai (Bombay). Groceries flip the comparison at $160 vs $117, with Mumbai (Bombay) cheaper for home cooking.

Good to know

🇺🇦 Ternopil

🇮🇳 Mumbai (Bombay)

🕒 Local time

08:16 8:16 AM

10:46 10:46 AM

2 h 30 min ahead of Ternopil

🌤 Weather

👥 Population

218,134

12,442,373

💱 Currency

Ukrainian Hryvnia UAH ₴

Indian Rupee INR ₹

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, USD, EUR to UAH – Ukrainian Hryvnia Converter

🇺🇸 United States Dollar ($)

🇺🇦 Ukrainian Hryvnia (₴)

Ukrainian Hryvnia exchange rates as of October 22, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.46 UAH (100 UAH = 1.98 EUR).

Indian Rupee exchange rates as of October 22, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to UAH in detail →

On the map

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Highest

Between locations

Ternopil Mumbai (Bombay) 5,380 km ≈ 7 h nonstop flight

From you

Ternopil
Mumbai (Bombay)

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 Mumbai (Bombay): Cost of Living - Frequently Asked Questions

Ternopil and Mumbai (Bombay) differ by about 14% in total monthly costs ($690 vs $785 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 55% lower in Mumbai (Bombay). 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 $610 in Mumbai (Bombay). Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $245 in Ternopil versus $118 in Mumbai (Bombay). 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 $21.00 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,200 a month, though Ternopil gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Mumbai (Bombay) 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 14% less than in Mumbai (Bombay). Beyond cost, consider language, visa policies, and how big the international community is in each city.