Cost Of Living For a Couple in Kyiv 2024

Couple cost of living chart - average monthly expenditure in Kyiv

Average Monthly Expenditure

Currency: UAH
19,000 56,000 300,000
MINIMUM AVERAGE MAXIMUM
$490 $1,500 $7,800

Average monthly spending for couples in Kyiv

How much money does a couple need in a month to survive in Kyiv?

Couples in Kyiv spend around 56,000 UAH per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 19,000 UAH or as high as 300,000 UAH. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Kyiv


Chart showing the prices and cost of grocery, food, restaurant meals, market, and beverages in Kyiv

Dining, food, and beverages costs


Fast food combo meal

45 UAH 90 UAH 150 UAH
MINIMUM AVERAGE MAXIMUM
$1.2 $2.3 $3.9

Restaurant meal for one

160 UAH 240 UAH 470 UAH
MINIMUM AVERAGE MAXIMUM
$4.1 $6.1 $12

Fine dining meal for one

310 UAH 470 UAH 1,900 UAH
MINIMUM AVERAGE MAXIMUM
$8.2 $12 $49

Cappuccino or latte

37 UAH 60 UAH 90 UAH
MINIMUM AVERAGE MAXIMUM
$0.97 $1.6 $2.3

Grocery and market costs


Milk large bottle

30 UAH 36 UAH 45 UAH
MINIMUM AVERAGE MAXIMUM
$0.78 $0.93 $1.2

12 eggs

22 UAH 30 UAH 45 UAH
MINIMUM AVERAGE MAXIMUM
$0.58 $0.78 $1.2

Fresh whole chicken

51 UAH 66 UAH 93 UAH
MINIMUM AVERAGE MAXIMUM
$1.3 $1.7 $2.4

Pack of beef

60 UAH 90 UAH 180 UAH
MINIMUM AVERAGE MAXIMUM
$1.6 $2.3 $4.7

Medium bag of rice

24 UAH 33 UAH 47 UAH
MINIMUM AVERAGE MAXIMUM
$0.63 $0.86 $1.2

Bag of tomatos

9 UAH 12 UAH 22 UAH
MINIMUM AVERAGE MAXIMUM
$0.23 $0.31 $0.58

Bag of apples

16 UAH 21 UAH 34 UAH
MINIMUM AVERAGE MAXIMUM
$0.42 $0.54 $0.90
Chart showing the prices and cost of commute, travel, and transportation in Kyiv


Commute, travel, and transportation costs


20 minutes taxi ride

39 UAH 47 UAH 94 UAH
MINIMUM AVERAGE MAXIMUM
$1 $1.2 $2.4

Average car full tank

220 UAH 300 UAH 600 UAH
MINIMUM AVERAGE MAXIMUM
$5.8 $7.8 $16

Average car 1-day rental

250 UAH 330 UAH 490 UAH
MINIMUM AVERAGE MAXIMUM
$6.4 $8.6 $13

Average car price

110,000 UAH 220,000 UAH 300,000 UAH
MINIMUM AVERAGE MAXIMUM
$2,900 $5,800 $7,800

Bus ticket one way

8.2 UAH 12 UAH 25 UAH
MINIMUM AVERAGE MAXIMUM
$0.21 $0.32 $0.64

Car Service

330 UAH 490 UAH 990 UAH
MINIMUM AVERAGE MAXIMUM
$8.6 $13 $26
Chart showing the prices and cost of utility, energy, water, and gas in Kyiv


Utility cost (monthly)


Utility Bill - Couple

750 UAH 2,500 UAH 17,000 UAH
MINIMUM AVERAGE MAXIMUM
$20 $66 $430

Internet and cable

220 UAH 450 UAH 600 UAH
MINIMUM AVERAGE MAXIMUM
$5.8 $12 $16

Mobile phone charges

180 UAH 300 UAH 900 UAH
MINIMUM AVERAGE MAXIMUM
$4.7 $7.8 $23

Leisure and activities costs


Movie ticket

110 UAH 150 UAH 220 UAH
MINIMUM AVERAGE MAXIMUM
$2.9 $3.9 $5.8

One month gym membership

390 UAH 490 UAH 990 UAH
MINIMUM AVERAGE MAXIMUM
$10 $13 $26
Chart showing the prices and cost of clothing and accessories in Kyiv


Cloths and accessories costs


Pair of jeans or pants

290 UAH 410 UAH 620 UAH
MINIMUM AVERAGE MAXIMUM
$7.5 $11 $16

Woman dress

270 UAH 380 UAH 1,200 UAH
MINIMUM AVERAGE MAXIMUM
$7.1 $9.9 $32

Woman shoes

260 UAH 350 UAH 820 UAH
MINIMUM AVERAGE MAXIMUM
$6.8 $9.2 $21

Men's shoes

220 UAH 270 UAH 550 UAH
MINIMUM AVERAGE MAXIMUM
$5.8 $7.1 $14

Men suit

250 UAH 310 UAH 1,600 UAH
MINIMUM AVERAGE MAXIMUM
$6.4 $8 $43

Regular t-shirt

120 UAH 160 UAH 490 UAH
MINIMUM AVERAGE MAXIMUM
$3.2 $4.3 $13
Chart showing the prices and cost of housing, accommodation, and rent in Kyiv


Housing costs / monthly rent


Studio apartment

4,100 UAH 6,200 UAH 16,000 UAH
MINIMUM AVERAGE MAXIMUM
$110 $160 $430

1-bedroom apartment

6,200 UAH 9,900 UAH 25,000 UAH
MINIMUM AVERAGE MAXIMUM
$160 $260 $640

2-bedroom apartment

8,200 UAH 12,000 UAH 33,000 UAH
MINIMUM AVERAGE MAXIMUM
$210 $320 $860

Housing costs / Buying


Studio apartment

820,000 UAH 1.2M UAH 2.5M UAH
MINIMUM AVERAGE MAXIMUM
$21,000 $32,000 $64,000

1-bedroom apartment

990,000 UAH 1.6M UAH 6.2M UAH
MINIMUM AVERAGE MAXIMUM
$26,000 $43,000 $160,000

2-bedroom apartment

1.6M UAH 4.9M UAH 9.9M UAH
MINIMUM AVERAGE MAXIMUM
$43,000 $130,000 $260,000
Chart showing the prices and cost of furniture in Kyiv


Furniture Costs


King Size Bed

4,500 UAH 5,600 UAH 7,500 UAH
MINIMUM AVERAGE MAXIMUM
$120 $150 $190

Double Bed

3,000 UAH 4,500 UAH 5,600 UAH
MINIMUM AVERAGE MAXIMUM
$78 $120 $150

Single Bed

2,600 UAH 3,400 UAH 4,500 UAH
MINIMUM AVERAGE MAXIMUM
$69 $90 $120

Living Room

5,000 UAH 6,400 UAH 22,000 UAH
MINIMUM AVERAGE MAXIMUM
$130 $170 $580

Dining Table

2,200 UAH 3,000 UAH 5,600 UAH
MINIMUM AVERAGE MAXIMUM
$58 $78 $150

Sofa or Couch

3,000 UAH 4,100 UAH 9,000 UAH
MINIMUM AVERAGE MAXIMUM
$78 $110 $230
Chart showing the prices and cost of electronic devices and appliances in Kyiv


Electronics and House Appliance Costs


TV Set

3,000 UAH 4,500 UAH 9,000 UAH
MINIMUM AVERAGE MAXIMUM
$78 $120 $230

Fridge or Freezer

2,600 UAH 4,100 UAH 5,600 UAH
MINIMUM AVERAGE MAXIMUM
$69 $110 $150

Washing Machine

3,400 UAH 5,000 UAH 9,000 UAH
MINIMUM AVERAGE MAXIMUM
$90 $130 $230

Stove or Cooker

3,200 UAH 4,100 UAH 5,600 UAH
MINIMUM AVERAGE MAXIMUM
$83 $110 $150

Mobile Phone

3,700 UAH 4,500 UAH 6,400 UAH
MINIMUM AVERAGE MAXIMUM
$97 $120 $170

Laptop or Computer

4,100 UAH 5,000 UAH 9,000 UAH
MINIMUM AVERAGE MAXIMUM
$110 $130 $230
Couple cost of living and expenditure to income ratio in Kyiv

Couple expenditure to income ratio in Kyiv

Analysing the how affordable it is for couples to live in Kyiv

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in. Couples usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a couple of four ranges between 70% to 80%.


Spending to Income Ratio

91%

83% to 99%

( expenditure / income ) x 100


Couples in Kyiv spend around 91% of their monthly income. Some couples spend as low as 83% of their income while some as high as 99%.

Distribution of monthly cost of living expenses of a couple in Kyiv

How do couples spend their money in Kyiv?

We asked thousands of couples about their spending habits and expenditure break down.


The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.

Housing and accomodation expenditure for couples

Accomodation Cost26%

26% of total expenses on average (19% to 36%)

LOW$170   6,400 UAH
AVERAGE$500   19,000 UAH
HIGH$2,700   100,000 UAH
Per Month

Couples in Kyiv typically spend from 19% to 36% of their total monthly expenditure on housing with 26% being the average. The average monthly spend on housing is 19,000 UAH with expenditure ranging from 6,400 UAH to 100,000 UAH. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for couples

Cost of utilities8%

8% of total expenses on average (6% to 12%)

LOW$20   750 UAH
AVERAGE$66   2,500 UAH
HIGH$430   17,000 UAH
Per Month

Utility expenditure like electricity, water, and gas in Kyiv ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 2,500 UAH with 750 UAH and 17,000 UAH being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel9%

9% of total expenses on average (3% to 14%)

LOW$59   2,300 UAH
AVERAGE$180   6,800 UAH
HIGH$940   36,000 UAH
Per Month

Fuel consumption and cost of transport depend heavily on whether a couple resides near school and work, but roughly speaking a couple would expect to spend from 2,300 UAH to 36,000 UAH in a month on commuting with 6,800 UAH being the norm for most couples. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 3% or as high as 14%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost17%

17% of total expenses on average (12% to 22%)

LOW$69   2,600 UAH
AVERAGE$210   7,900 UAH
HIGH$1,100   42,000 UAH
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Kyiv is 7,900 UAH. The cost of groceries can range between 2,600 UAH to 42,000 UAH. Couples spend on average about 17% on food and groceries with upper and lower bounds of 12% and 22% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare14%

14% of total expenses on average (8% to 18%)

LOW$54   2,100 UAH
AVERAGE$160   6,200 UAH
HIGH$860   33,000 UAH
Per Month

Couples in Kyiv allocate 8% to 18% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 14%. The range of medical expenses range from 2,100 UAH to 33,000 UAH with 6,200 UAH being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping3%

3% of total expenses on average (1% to 6%)

LOW$29   1,100 UAH
AVERAGE$88   3,400 UAH
HIGH$470   18,000 UAH
Per Month

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 1,100 UAH to 18,000 UAH with 3,400 UAH being the average. Speaking of percentages, that equates to 1% to 6% of total expenses with an average of 3% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling1%

1% of total expenses on average (0.00% to 3%)

LOW$9.8   380 UAH
AVERAGE$29   1,100 UAH
HIGH$160   6,000 UAH
Per Month

Spending on education can vary drastically between different couples. On average, education constitutes 1% of the monthly expenditure of couples with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 1,100 UAH per month with 380 UAH being the minimum spent amount and 6,000 UAH being the maximum.

Other Expenses21%

21% of total expenses on average (15% to 27%)

LOW$83   3,200 UAH
AVERAGE$250   9,600 UAH
HIGH$1,300   51,000 UAH
Per Month
Percentage of couples who manage to save money from their income every month in Kyiv

What percentage of couples in Kyiv are able to save money and how much can they save?


Percentage of couples that reported their ability to save money


Saving Money
59%
Not Saving
41%

Almost 59% of surveyed couples in Kyiv said that they can save some money at the end of each month while 41% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Kyiv

Savings-to-Income Ratio

The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.


How much money do couples manage to add to their savings?

The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.

Saving to Income Ratio

9.9% 18% of income 32%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

5,800 UAH
$150
17,000 UAH
$450
93,000 UAH
$2,400
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%37%
10% - 20%27%
20% - 30%19%
30% - 40%7%
40% - 50%7%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 9.9% to 32% of their monthly income to their savings, with 18% being the average for most couples. The average monthly amount of money that couples can put aside is 17,000 UAH with 5,800 UAH and 93,000 UAH being the minimum and maximum respectively.

Reasons that make it difficult for couples to save money in Kyiv

Saving Challenges in Kyiv

Reasons that make it difficult for couples to save money

We wanted to understand what is stopping couples from maximizing their savings in Kyiv. Listed below are the answers given by the survey participants.


Reason% People
Low Income5%
High Expenses8%
Debt and Loans13%
Lack of Budgeting Skills12%
Impulsive Spending12%
Financial Emergencies7%
Living the moment5%
Will do it later21%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the couples said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 12% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Kyiv

Typical saving choices for couples in Kyiv

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold13%
Savings Accounts17%
Retirement Accounts10%
Cash Savings21%
Real Estate9%
Investment5%
Stocks4%
Bonds5%
Mutual Funds2%
Certificates of Deposit3%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Income and cost of living compatibility. Is it affordable or economical for couples to live in Kyiv

Affordable living in Kyiv

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Kyiv?


Yes
54%
No
46%

Around 54% of surveyed couples think that living in Kyiv is affordable with proper budgeting while 46% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for couples. Are there plenty of low-cost options in Kyiv

Low-cost alternatives in Kyiv

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked couples how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options58%

Few low-cost options42%


Based on the survey, 58% of the couples living in Kyiv have no problem finding low-cost alternatives to support a frugal lifestyle while 42% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Couples

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked couples of Kyiv whether they have an emergency fund and the answers were as follows.

Yes49%

No51%


Based on the survey, 51% of the couples living in Kyiv said that they don't have an emergency fund while 49% said that they do.

Financial literacy and difficulty in budgeting and financial planning for couples in Kyiv

Financial Literacy in Ukraine

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy44%


We asked couple guardians and parents in Kyiv whether they acquired any adequate personal financial training in their lives. Approximately 56% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 44% said that they know about the general principles of personal finance from sources other than their own experience.


Difficulty in Budgeting and Financial Planning

We wanted to understand whether couples of Ukraine have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 57% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 43% said that they have everything under control.

Struggles with finance57%

Easily manages finances43%

Financial goals and targets of couples living in Kyiv

Financial goals of couples in Kyiv

In an attempt to understand the economic situation in Kyiv, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.


Financial Goal% People
Emergency Fund8%
Debt Reduction44%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing6%
Travel or Lifestyle6%
Healthcare Expenses14%
Financial Independence4%

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 44% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of couples who are in debt in Kyiv

Debt, loans, and mortgages in Kyiv


Percentage of couples who are in debt


In Debt
37%
Debt Free
63%

According to the survey, 37% of the couples in Kyiv have some kind of debt, loan, mortgage, or credit card payments while 63% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Kyiv

Debt-to-income ratio in Kyiv

Debt to income ratio

35%

26% to 44%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 35% of a couple's monthly income in Kyiv goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%19%
40% - 50%15%
30% - 40%17%
20% - 30%10%
10% - 20%11%
0% - 10%25%

According to our data, 3% of the debtors in Kyiv pay 60%+ of their income as debt settlement while 19% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Kyiv

Debt% People
Real Estate Mortgage8%
Auto Loan14%
Student Loan4%
Credit Card30%
Personal Loan44%

8% of debtors in Kyiv confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 14% of people and personal loans rose at 44%. Lastly, student loans are the main source of debt for 4% of debtors in Kyiv.


About credit score and debt management

Managing debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.


Loan Affordability Index in Kyiv

Besides measuring the loan-to-income ratio, we asked couples of Kyiv how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Frequency% People
Never50%
Once a year24%
Twice a year13%
Three times a year9%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Kyiv

Housing costs, accommodation, and housing affordability in Kyiv

Rental costs and house/apartment prices can vary drastically between different areas and locations.


Rent Cost in Kyiv

Monthly Rent Prices

Studio apartment monthly rent cost

4,100 UAH 6,200 UAH 16,000 UAH
MINIMUM AVERAGE MAXIMUM
$110 $160 $430

1-bedroom apartment monthly rent cost

6,200 UAH 9,900 UAH 25,000 UAH
MINIMUM AVERAGE MAXIMUM
$160 $260 $640

2-bedroom apartment monthly rent cost

8,200 UAH 12,000 UAH 33,000 UAH
MINIMUM AVERAGE MAXIMUM
$210 $320 $860

3-bedroom apartment monthly rent cost

9,900 UAH 16,000 UAH 45,000 UAH
MINIMUM AVERAGE MAXIMUM
$260 $430 $1,200

Furnished apartment monthly rent cost

20,000 UAH 49,000 UAH 99,000 UAH
MINIMUM AVERAGE MAXIMUM
$510 $1,300 $2,600

Townhouse monthly rent cost

16,000 UAH 25,000 UAH 70,000 UAH
MINIMUM AVERAGE MAXIMUM
$430 $640 $1,800

House monthly rent cost

20,000 UAH 49,000 UAH 99,000 UAH
MINIMUM AVERAGE MAXIMUM
$510 $1,300 $2,600

Villa monthly rent cost

25,000 UAH 62,000 UAH 99,000 UAH
MINIMUM AVERAGE MAXIMUM
$640 $1,600 $2,600

The monthly rental cost of a studio apartment in Kyiv ranges between 4,100 UAH and 16,000 UAH, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 6,200 UAH to 25,000 UAH. Two-bedroom rentals rate ranges between 8,200 UAH and 33,000 UAH per month. The monthly rental for a three-bedroom apartment ranges from 9,900 UAH to 45,000 UAH. The average rent of a townhouse in Kyiv is around 25,000 UAH while house rental costs can be as high as 49,000 UAH per month. Finally, if you want to rent a villa, expect to pay anywhere from 25,000 UAH to 99,000 UAH per month.



Apartment and house prices in Kyiv

Cost of buying a property

Studio apartment price

820,000 UAH 1.2M UAH 2.5M UAH
MINIMUM AVERAGE MAXIMUM
$21,000 $32,000 $64,000

1-bedroom apartment price

990,000 UAH 1.6M UAH 6.2M UAH
MINIMUM AVERAGE MAXIMUM
$26,000 $43,000 $160,000

2-bedroom apartment price

1.6M UAH 4.9M UAH 9.9M UAH
MINIMUM AVERAGE MAXIMUM
$43,000 $130,000 $260,000

3-bedroom apartment price

5.5M UAH 8.2M UAH 25M UAH
MINIMUM AVERAGE MAXIMUM
$140,000 $210,000 $640,000

Townhouse price

7M UAH 16M UAH 62M UAH
MINIMUM AVERAGE MAXIMUM
$180,000 $430,000 $1.6M

House price

8.2M UAH 49M UAH 70M UAH
MINIMUM AVERAGE MAXIMUM
$210,000 $1.3M $1.8M

Villa price

9.9M UAH 55M UAH 82M UAH
MINIMUM AVERAGE MAXIMUM
$260,000 $1.4M $2.1M

The average price of a studio apartment in Kyiv can range from 820,000 UAH to 2.5M UAH depending on location. One bedroom cost can be anywhere from 990,000 UAH to 6.2M UAH. A villa can cost you 55M UAH on average with prices ranging from 9.9M UAH to 82M UAH.


If you're leasing or purchasing, housing costs in Kyiv will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.

House / apartment prices to income ratio


Property price to income ratio

( average property price / average monthly income ) x 100


34 x93 monthly income 209
MINIMUM AVERAGE MAXIMUM

Property prices in Kyiv can be x93 to x209 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x93 multiples of the average monthly salary in Kyiv.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


21% 32% of income 43%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Kyiv is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 21% to 43% depending on the salary, location, and type of property.


The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Housing Affordability Index
29%

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.


FROM
1.9%
AVERAGE
2.9%
TO
3.9%

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.


75 UAH 980 UAH 9,800 UAH
MINIMUM AVERAGE MAXIMUM

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Kyiv

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Kyiv

Utility Bill Cost / Electricity + Water + Gas / Couple

750 UAH 2,500 UAH 17,000 UAH
MINIMUM AVERAGE MAXIMUM
$20 $66 $430

Internet and cable cost

220 UAH 450 UAH 600 UAH
MINIMUM AVERAGE MAXIMUM
$5.8 $12 $16

Mobile phone bill and charges

180 UAH 300 UAH 900 UAH
MINIMUM AVERAGE MAXIMUM
$4.7 $7.8 $23

Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.


The average monthly energy and water consumption of couples is around 2,500 UAH. The cost of internet and WiFi ranges from 220 UAH to 600 UAH with 450 UAH being the average internet bill. Finally, the average monthly mobile charges is around 300 UAH but can range between 180 UAH and 900 UAH depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


4.4% 7.7% of income 12%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Kyiv is around 7.7%. This means that people pay 7.7% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.4% to 12% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Kyiv

Grocery / Food expenditure and prices can vary drastically between different areas and locations.


Prices and cost of goods and services in Kyiv

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

45 UAH 90 UAH 150 UAH
MINIMUM AVERAGE MAXIMUM
$1.2 $2.3 $3.9

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Kyiv is approximatly 90 UAH with meal cost ranging from 45 UAH to 150 UAH. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

160 UAH 240 UAH 470 UAH
MINIMUM AVERAGE MAXIMUM
$4.1 $6.1 $12

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 160 UAH and 470 UAH with 240 UAH being the average price of a plate for one person at a regular restaurant in Kyiv.

Fine dining meal for one price

310 UAH 470 UAH 1,900 UAH
MINIMUM AVERAGE MAXIMUM
$8.2 $12 $49

The price range of a meal at fine-dining restaurant is 310 UAH to 1,900 UAH with the average cost being 470 UAH for one person. This is what you would expect to pay a top-tier diner in Kyiv.

Beverage prices, cappuccino, latte etc..

37 UAH 60 UAH 90 UAH
MINIMUM AVERAGE MAXIMUM
$0.97 $1.6 $2.3

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Kyiv is around 60 UAH. Price ranges between 37 UAH and 90 UAH depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

30 UAH 36 UAH 45 UAH
MINIMUM AVERAGE MAXIMUM
$0.78 $0.93 $1.2

The average price of a large bottle of milk in Kyiv is 36 UAH. The maximum what you would pay for milk is 45 UAH and the minimum being 30 UAH depending on the brand of milk and other properties.

12 eggs price

22 UAH 30 UAH 45 UAH
MINIMUM AVERAGE MAXIMUM
$0.58 $0.78 $1.2

A dozen eggs costs around 30 UAH on average with 22 UAH and 45 UAH being the lower and upper limits respectively.

Fresh whole chicken price

51 UAH 66 UAH 93 UAH
MINIMUM AVERAGE MAXIMUM
$1.3 $1.7 $2.4

The price range of a fresh whole chicken in Kyiv is between 51 UAH and 93 UAH depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 66 UAH.

Pack of beef price

60 UAH 90 UAH 180 UAH
MINIMUM AVERAGE MAXIMUM
$1.6 $2.3 $4.7

The price of a regular pack of beef or meat is around 90 UAH. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

24 UAH 33 UAH 47 UAH
MINIMUM AVERAGE MAXIMUM
$0.63 $0.86 $1.2

A bag of rice in Kyiv costs around 33 UAH on average with prices rangeing between 24 UAH and 47 UAH depending on the brand and quality.

Bag of tomatos price

9 UAH 12 UAH 22 UAH
MINIMUM AVERAGE MAXIMUM
$0.23 $0.31 $0.58

A bag of tomatoes costs anywhere from 9 UAH to 22 UAH. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

16 UAH 21 UAH 34 UAH
MINIMUM AVERAGE MAXIMUM
$0.42 $0.54 $0.90

A bag of apples costs 21 UAH on average. A bag of apples denotes 1Kg or 1lb depending on location.


Grocery and food expenditure to income ratio


( monthly grocery expenses / monthly income ) x 100


21% 30% of income 36%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Kyiv is around 30%. This means that couples spend 30% of their income on grocery and basic household items. The expenditure can range from 21% to 36% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 2,600 UAH to 42,000 UAH with the location, income, and size of the couple being the most determinite factors.

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