Cost Of Living For a Family in Lviv 2025

Family cost of living chart - average monthly expenditure in Lviv

Average monthly spending for families in Lviv

We consider a family to be a member of four members, two adults and two children. This is the most common type of family. From the figures below, it should be fairly easy to calculate the average spending for families of different sizes.

Average Monthly Expenditure

Currency: UAH
26,000 74,000 480,000
MINIMUM AVERAGE MAXIMUM
$670 $1,900 $13,000

How much money does a family need in a month to survive in Lviv?

Families in Lviv spend around 74,000 UAH per month on average. Depending on the lifestyle, a family can survive with a monthly budget as low as 26,000 UAH or as high as 480,000 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 Lviv


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

Dining, food, and beverages costs


Fast food combo meal

47 UAH 93 UAH 160 UAH
MINIMUM AVERAGE MAXIMUM
$1.2 $2.4 $4

Restaurant meal for one

160 UAH 240 UAH 470 UAH
MINIMUM AVERAGE MAXIMUM
$4.1 $6.2 $12

Fine dining meal for one

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

Cappuccino or latte

39 UAH 62 UAH 93 UAH
MINIMUM AVERAGE MAXIMUM
$1 $1.6 $2.4

Grocery and market costs


Milk large bottle

31 UAH 37 UAH 47 UAH
MINIMUM AVERAGE MAXIMUM
$0.81 $0.97 $1.2

12 eggs

23 UAH 31 UAH 47 UAH
MINIMUM AVERAGE MAXIMUM
$0.61 $0.81 $1.2

Fresh whole chicken

53 UAH 68 UAH 97 UAH
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $2.5

Pack of beef

62 UAH 93 UAH 190 UAH
MINIMUM AVERAGE MAXIMUM
$1.6 $2.4 $4.9

Medium bag of rice

25 UAH 34 UAH 49 UAH
MINIMUM AVERAGE MAXIMUM
$0.65 $0.89 $1.3

Bag of tomatos

9.3 UAH 12 UAH 23 UAH
MINIMUM AVERAGE MAXIMUM
$0.24 $0.32 $0.61

Bag of apples

17 UAH 22 UAH 36 UAH
MINIMUM AVERAGE MAXIMUM
$0.43 $0.57 $0.93
Chart showing the prices and cost of commute, travel, and transportation in Lviv


Commute, travel, and transportation costs


20 minutes taxi ride

40 UAH 47 UAH 95 UAH
MINIMUM AVERAGE MAXIMUM
$1 $1.2 $2.5

Average car full tank

230 UAH 310 UAH 620 UAH
MINIMUM AVERAGE MAXIMUM
$6.1 $8.1 $16

Average car 1-day rental

240 UAH 320 UAH 480 UAH
MINIMUM AVERAGE MAXIMUM
$6.3 $8.4 $13

Average car price

120,000 UAH 230,000 UAH 310,000 UAH
MINIMUM AVERAGE MAXIMUM
$3,000 $6,100 $8,100

Bus ticket one way

8.1 UAH 12 UAH 24 UAH
MINIMUM AVERAGE MAXIMUM
$0.21 $0.31 $0.63

Car Service

320 UAH 480 UAH 970 UAH
MINIMUM AVERAGE MAXIMUM
$8.4 $13 $25
Chart showing the prices and cost of utility, energy, water, and gas in Lviv


Utility cost (monthly)


Utility Bill - Family

1,300 UAH 3,700 UAH 24,000 UAH
MINIMUM AVERAGE MAXIMUM
$34 $96 $630

Internet and cable

230 UAH 470 UAH 620 UAH
MINIMUM AVERAGE MAXIMUM
$6.1 $12 $16

Mobile phone charges

190 UAH 310 UAH 930 UAH
MINIMUM AVERAGE MAXIMUM
$4.9 $8.1 $24

Leisure and activities costs


Movie ticket

120 UAH 160 UAH 230 UAH
MINIMUM AVERAGE MAXIMUM
$3 $4 $6.1

One month gym membership

390 UAH 480 UAH 970 UAH
MINIMUM AVERAGE MAXIMUM
$10 $13 $25
Chart showing the prices and cost of clothing and accessories in Lviv


Cloths and accessories costs


Pair of jeans or pants

280 UAH 400 UAH 600 UAH
MINIMUM AVERAGE MAXIMUM
$7.4 $10 $16

Woman dress

270 UAH 370 UAH 1,200 UAH
MINIMUM AVERAGE MAXIMUM
$7 $9.7 $31

Woman shoes

250 UAH 350 UAH 810 UAH
MINIMUM AVERAGE MAXIMUM
$6.6 $9 $21

Men's shoes

220 UAH 270 UAH 540 UAH
MINIMUM AVERAGE MAXIMUM
$5.7 $7 $14

Men suit

240 UAH 300 UAH 1,600 UAH
MINIMUM AVERAGE MAXIMUM
$6.3 $7.9 $42

Regular t-shirt

120 UAH 160 UAH 480 UAH
MINIMUM AVERAGE MAXIMUM
$3.1 $4.2 $13
Chart showing the prices and cost of housing, accommodation, and rent in Lviv


Housing costs / monthly rent


Studio apartment

4,000 UAH 6,000 UAH 16,000 UAH
MINIMUM AVERAGE MAXIMUM
$100 $160 $420

1-bedroom apartment

6,000 UAH 9,700 UAH 24,000 UAH
MINIMUM AVERAGE MAXIMUM
$160 $250 $630

2-bedroom apartment

8,100 UAH 12,000 UAH 32,000 UAH
MINIMUM AVERAGE MAXIMUM
$210 $310 $840

Housing costs / Buying


Studio apartment

810,000 UAH 1.2M UAH 2.4M UAH
MINIMUM AVERAGE MAXIMUM
$21,000 $31,000 $63,000

1-bedroom apartment

970,000 UAH 1.6M UAH 6M UAH
MINIMUM AVERAGE MAXIMUM
$25,000 $42,000 $160,000

2-bedroom apartment

1.6M UAH 4.8M UAH 9.7M UAH
MINIMUM AVERAGE MAXIMUM
$42,000 $130,000 $250,000
Chart showing the prices and cost of furniture in Lviv


Furniture Costs


King Size Bed

4,700 UAH 5,800 UAH 7,800 UAH
MINIMUM AVERAGE MAXIMUM
$120 $150 $200

Double Bed

3,100 UAH 4,700 UAH 5,800 UAH
MINIMUM AVERAGE MAXIMUM
$81 $120 $150

Single Bed

2,700 UAH 3,600 UAH 4,700 UAH
MINIMUM AVERAGE MAXIMUM
$71 $93 $120

Living Room

5,200 UAH 6,700 UAH 23,000 UAH
MINIMUM AVERAGE MAXIMUM
$130 $170 $610

Dining Table

2,300 UAH 3,100 UAH 5,800 UAH
MINIMUM AVERAGE MAXIMUM
$61 $81 $150

Sofa or Couch

3,100 UAH 4,200 UAH 9,300 UAH
MINIMUM AVERAGE MAXIMUM
$81 $110 $240
Chart showing the prices and cost of electronic devices and appliances in Lviv


Electronics and House Appliance Costs


TV Set

3,100 UAH 4,700 UAH 9,300 UAH
MINIMUM AVERAGE MAXIMUM
$81 $120 $240

Fridge or Freezer

2,700 UAH 4,200 UAH 5,800 UAH
MINIMUM AVERAGE MAXIMUM
$71 $110 $150

Washing Machine

3,600 UAH 5,200 UAH 9,300 UAH
MINIMUM AVERAGE MAXIMUM
$93 $130 $240

Stove or Cooker

3,300 UAH 4,200 UAH 5,800 UAH
MINIMUM AVERAGE MAXIMUM
$87 $110 $150

Mobile Phone

3,900 UAH 4,700 UAH 6,700 UAH
MINIMUM AVERAGE MAXIMUM
$100 $120 $170

Laptop or Computer

4,200 UAH 5,200 UAH 9,300 UAH
MINIMUM AVERAGE MAXIMUM
$110 $130 $240
Family cost of living and expenditure to income ratio in Lviv

Family expenditure to income ratio in Lviv

Analysing the how affordable it is for families to live in Lviv

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. Families usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a family of four ranges between 70% to 80%.


Spending to Income Ratio

98%

90% to 110%

( expenditure / income ) x 100


Families in Lviv spend around 98% of their monthly income. Some families spend as low as 90% of their income while some as high as 110%.

Distribution of monthly cost of living expenses of a family in Lviv

How do families spend their money in Lviv?

We asked thousands of families 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 families

Accomodation Cost26%

26% of total expenses on average (21% to 36%)

LOW$220   8,300 UAH
AVERAGE$620   24,000 UAH
HIGH$4,000   150,000 UAH
Per Month

Families in Lviv typically spend from 21% to 36% of their total monthly expenditure on housing with 26% being the average. The average monthly spend on housing is 24,000 UAH with expenditure ranging from 8,300 UAH to 150,000 UAH. This cost mainly goes for rent but it also includes other accommodation-related expenses.

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

Cost of utilities5%

5% of total expenses on average (3% to 8%)

LOW$34   1,300 UAH
AVERAGE$96   3,700 UAH
HIGH$630   24,000 UAH
Per Month

Utility expenditure like electricity, water, and gas in Lviv ranges from 3% to 8% of total expenses with 5% being the average for most families. The average monthly cost of utilities is 3,700 UAH with 1,300 UAH and 24,000 UAH being the upper and lower limits for a family of four.

Transport, fuel, and commute expenditure for families

Cost of transport and fuel5%

5% of total expenses on average (3% to 7%)

LOW$67   2,600 UAH
AVERAGE$190   7,400 UAH
HIGH$1,300   48,000 UAH
Per Month

Fuel consumption and cost of transport depend heavily on whether a family resides near school and work, but roughly speaking a family would expect to spend from 2,600 UAH to 48,000 UAH in a month on commuting with 7,400 UAH being the norm for most families. This means that money spent on transport constitutes about 5% of total spending on average but can go as low as 3% or as high as 7%.

Food, groceries, and basic shopping expenditure for families

Food and Groceries Cost21%

21% of total expenses on average (14% to 27%)

LOW$120   4,700 UAH
AVERAGE$350   13,000 UAH
HIGH$2,300   87,000 UAH
Per Month

The average outlay on groceries and basic houshold items for a typical family in a month in Lviv is 13,000 UAH. The cost of groceries can range between 4,700 UAH to 87,000 UAH. Families spend on average about 21% on food and groceries with upper and lower bounds of 14% and 27% respectively.

Healthcare and medical services expenditure for families

Cost of healthcare11%

11% of total expenses on average (7% to 16%)

LOW$61   2,300 UAH
AVERAGE$190   7,400 UAH
HIGH$1,000   38,000 UAH
Per Month

Families in Lviv allocate 7% to 16% 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 11%. The range of medical expenses range from 2,300 UAH to 38,000 UAH with 7,400 UAH being the norm for most families.

Leisure and shopping expenditure for families

Cost of leisure and shopping3%

3% of total expenses on average (1% to 7%)

LOW$34   1,300 UAH
AVERAGE$96   3,700 UAH
HIGH$630   24,000 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 1,300 UAH to 24,000 UAH with 3,700 UAH being the average. Speaking of percentages, that equates to 1% to 7% of total expenses with an average of 3% for most families.

Education and schooling expenditure for families

Cost of education and schooling13%

13% of total expenses on average (6% to 21%)

LOW$94   3,600 UAH
AVERAGE$270   10,000 UAH
HIGH$1,800   67,000 UAH
Per Month

Spending on education can vary drastically between different families. On average, education constitutes 13% of the monthly expenditure of families with 6% and 21% being the lower and upper bounds respectively. The average reported education cost is 10,000 UAH per month with 3,600 UAH being the minimum spent amount and 67,000 UAH being the maximum.

Other Expenses16%

16% of total expenses on average (9% to 21%)

LOW$54   2,100 UAH
AVERAGE$150   5,900 UAH
HIGH$1,000   38,000 UAH
Per Month
Percentage of families who manage to save money from their income every month in Lviv

What percentage of families in Lviv are able to save money and how much can they save?


Percentage of families that reported their ability to save money


Saving Money
52%
Not Saving
48%

Almost 52% of surveyed families in Lviv said that they can save some money at the end of each month while 48% reported that they have to utilize their whole income to survive.


Family savings to income ratio in Lviv

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 families 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

8.6% 15% of income 28%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

8,000 UAH
$210
23,000 UAH
$590
150,000 UAH
$3,900
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%39%
10% - 20%30%
20% - 30%20%
30% - 40%5%
40% - 50%4%
> 50%2%

Interpretation and Analysis

Families that are able to save money can put anywhere from 8.6% to 28% of their monthly income to their savings, with 15% being the average for most families. The average monthly amount of money that families can put aside is 23,000 UAH with 8,000 UAH and 150,000 UAH being the minimum and maximum respectively.

Reasons that make it difficult for families to save money in Lviv

Saving Challenges in Lviv

Reasons that make it difficult for families to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans14%
Lack of Budgeting Skills11%
Impulsive Spending11%
Financial Emergencies7%
Living the moment6%
Will do it later20%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the families 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. 14% of the residents said that they are burdened with debt and find it challenging to save money. 11% 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. 11% of families 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. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 20% 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 families choose to put their savings in Lviv

Typical saving choices for families in Lviv

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold13%
Savings Accounts17%
Retirement Accounts10%
Cash Savings20%
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 families to live in Lviv

Affordable living in Lviv

Income and cost of living compatibility

We asked families one simple question and recorded their answers.

Is it affordable or economical to live in Lviv?


Yes
53%
No
47%

Around 53% of surveyed families think that living in Lviv is affordable with proper budgeting while 47% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for families. Are there plenty of low-cost options in Lviv

Low-cost alternatives in Lviv

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 families how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options57%

Few low-cost options43%


Based on the survey, 57% of the families living in Lviv have no problem finding low-cost alternatives to support a frugal lifestyle while 43% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Families

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 families of Lviv whether they have an emergency fund and the answers were as follows.

Yes48%

No52%


Based on the survey, 52% of the families living in Lviv said that they don't have an emergency fund while 48% said that they do.

Financial literacy and difficulty in budgeting and financial planning for families in Lviv

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 family guardians and parents in Lviv 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 families 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 families living in Lviv

Financial goals of families in Lviv

In an attempt to understand the economic situation in Lviv, 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 Reduction41%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle7%
Healthcare Expenses13%
Financial Independence5%

Around 8% of families said that their main goal is to establish an emergency fund to cover unexpected expenses while 41% 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. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 13% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of families who are in debt in Lviv

Debt, loans, and mortgages in Lviv


Percentage of families who are in debt


In Debt
37%
Debt Free
63%

According to the survey, 37% of the families in Lviv 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 Lviv

Debt-to-income ratio in Lviv

Debt to income ratio

34%

26% to 43%

( 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 34% of a family's monthly income in Lviv goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%17%
40% - 50%14%
30% - 40%16%
20% - 30%11%
10% - 20%13%
0% - 10%26%

According to our data, 3% of the debtors in Lviv pay 60%+ of their income as debt settlement while 17% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 14% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 16% dedicated 30% to 40% of income for same. Things are looking brighter for 11% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Lviv

Debt% People
Real Estate Mortgage9%
Auto Loan16%
Student Loan4%
Credit Card29%
Personal Loan42%

9% of debtors in Lviv confirm that real estate mortgages constitutes the main part of their outstanding debt while 29% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 16% of people and personal loans rose at 42%. Lastly, student loans are the main source of debt for 4% of debtors in Lviv.


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 Lviv

Besides measuring the loan-to-income ratio, we asked families of Lviv 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
Never51%
Once a year24%
Twice a year12%
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 Lviv

Housing costs, accommodation, and housing affordability in Lviv

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


Rent Cost in Lviv

Monthly Rent Prices

Studio apartment monthly rent cost

4,000 UAH 6,000 UAH 16,000 UAH
MINIMUM AVERAGE MAXIMUM
$100 $160 $420

1-bedroom apartment monthly rent cost

6,000 UAH 9,700 UAH 24,000 UAH
MINIMUM AVERAGE MAXIMUM
$160 $250 $630

2-bedroom apartment monthly rent cost

8,100 UAH 12,000 UAH 32,000 UAH
MINIMUM AVERAGE MAXIMUM
$210 $310 $840

3-bedroom apartment monthly rent cost

9,700 UAH 16,000 UAH 44,000 UAH
MINIMUM AVERAGE MAXIMUM
$250 $420 $1,100

Furnished apartment monthly rent cost

19,000 UAH 48,000 UAH 97,000 UAH
MINIMUM AVERAGE MAXIMUM
$500 $1,300 $2,500

Townhouse monthly rent cost

16,000 UAH 24,000 UAH 69,000 UAH
MINIMUM AVERAGE MAXIMUM
$420 $630 $1,800

House monthly rent cost

19,000 UAH 48,000 UAH 97,000 UAH
MINIMUM AVERAGE MAXIMUM
$500 $1,300 $2,500

Villa monthly rent cost

24,000 UAH 60,000 UAH 97,000 UAH
MINIMUM AVERAGE MAXIMUM
$630 $1,600 $2,500

The monthly rental cost of a studio apartment in Lviv ranges between 4,000 UAH and 16,000 UAH, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 6,000 UAH to 24,000 UAH. Two-bedroom rentals rate ranges between 8,100 UAH and 32,000 UAH per month. The monthly rental for a three-bedroom apartment ranges from 9,700 UAH to 44,000 UAH. The average rent of a townhouse in Lviv is around 24,000 UAH while house rental costs can be as high as 48,000 UAH per month. Finally, if you want to rent a villa, expect to pay anywhere from 24,000 UAH to 97,000 UAH per month.



Apartment and house prices in Lviv

Cost of buying a property

Studio apartment price

810,000 UAH 1.2M UAH 2.4M UAH
MINIMUM AVERAGE MAXIMUM
$21,000 $31,000 $63,000

1-bedroom apartment price

970,000 UAH 1.6M UAH 6M UAH
MINIMUM AVERAGE MAXIMUM
$25,000 $42,000 $160,000

2-bedroom apartment price

1.6M UAH 4.8M UAH 9.7M UAH
MINIMUM AVERAGE MAXIMUM
$42,000 $130,000 $250,000

3-bedroom apartment price

5.4M UAH 8.1M UAH 24M UAH
MINIMUM AVERAGE MAXIMUM
$140,000 $210,000 $630,000

Townhouse price

6.9M UAH 16M UAH 60M UAH
MINIMUM AVERAGE MAXIMUM
$180,000 $420,000 $1.6M

House price

8.1M UAH 48M UAH 69M UAH
MINIMUM AVERAGE MAXIMUM
$210,000 $1.3M $1.8M

Villa price

9.7M UAH 54M UAH 81M UAH
MINIMUM AVERAGE MAXIMUM
$250,000 $1.4M $2.1M

The average price of a studio apartment in Lviv can range from 810,000 UAH to 2.4M UAH depending on location. One bedroom cost can be anywhere from 970,000 UAH to 6M UAH. A villa can cost you 54M UAH on average with prices ranging from 9.7M UAH to 81M UAH.


If you're leasing or purchasing, housing costs in Lviv 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


33 x91 monthly income 205
MINIMUM AVERAGE MAXIMUM

Property prices in Lviv can be x91 to x205 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x91 multiples of the average monthly salary in Lviv.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


20% 31% of income 42%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Lviv is around 31%. This means that people pay 31% of their income for rent. Those figures can range from 20% to 42% 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
2%
AVERAGE
3%
TO
4%

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.


74 UAH 960 UAH 9,600 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 Lviv

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Family

1,300 UAH 3,700 UAH 24,000 UAH
MINIMUM AVERAGE MAXIMUM
$34 $96 $630

Internet and cable cost

230 UAH 470 UAH 620 UAH
MINIMUM AVERAGE MAXIMUM
$6.1 $12 $16

Mobile phone bill and charges

190 UAH 310 UAH 930 UAH
MINIMUM AVERAGE MAXIMUM
$4.9 $8.1 $24

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 families is around 3,700 UAH. The cost of internet and WiFi ranges from 230 UAH to 620 UAH with 470 UAH being the average internet bill. Finally, the average monthly mobile charges is around 310 UAH but can range between 190 UAH and 930 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


4.3% 7.5% of income 12%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Lviv is around 7.5%. This means that people pay 7.5% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.3% to 12% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Lviv

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


Prices and cost of goods and services in Lviv

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

Fast food combo meal price

47 UAH 93 UAH 160 UAH
MINIMUM AVERAGE MAXIMUM
$1.2 $2.4 $4

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Lviv is approximatly 93 UAH with meal cost ranging from 47 UAH to 160 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 $6.2 $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 Lviv.

Fine dining meal for one price

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

The price range of a meal at fine-dining restaurant is 320 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 Lviv.

Beverage prices, cappuccino, latte etc..

39 UAH 62 UAH 93 UAH
MINIMUM AVERAGE MAXIMUM
$1 $1.6 $2.4

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Lviv is around 62 UAH. Price ranges between 39 UAH and 93 UAH depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

31 UAH 37 UAH 47 UAH
MINIMUM AVERAGE MAXIMUM
$0.81 $0.97 $1.2

The average price of a large bottle of milk in Lviv is 37 UAH. The maximum what you would pay for milk is 47 UAH and the minimum being 31 UAH depending on the brand of milk and other properties.

12 eggs price

23 UAH 31 UAH 47 UAH
MINIMUM AVERAGE MAXIMUM
$0.61 $0.81 $1.2

A dozen eggs costs around 31 UAH on average with 23 UAH and 47 UAH being the lower and upper limits respectively.

Fresh whole chicken price

53 UAH 68 UAH 97 UAH
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $2.5

The price range of a fresh whole chicken in Lviv is between 53 UAH and 97 UAH depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 68 UAH.

Pack of beef price

62 UAH 93 UAH 190 UAH
MINIMUM AVERAGE MAXIMUM
$1.6 $2.4 $4.9

The price of a regular pack of beef or meat is around 93 UAH. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

25 UAH 34 UAH 49 UAH
MINIMUM AVERAGE MAXIMUM
$0.65 $0.89 $1.3

A bag of rice in Lviv costs around 34 UAH on average with prices rangeing between 25 UAH and 49 UAH depending on the brand and quality.

Bag of tomatos price

9.3 UAH 12 UAH 23 UAH
MINIMUM AVERAGE MAXIMUM
$0.24 $0.32 $0.61

A bag of tomatoes costs anywhere from 9.3 UAH to 23 UAH. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

17 UAH 22 UAH 36 UAH
MINIMUM AVERAGE MAXIMUM
$0.43 $0.57 $0.93

A bag of apples costs 22 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


20% 29% of income 36%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Lviv is around 29%. This means that families spend 29% of their income on grocery and basic household items. The expenditure can range from 20% to 36% depending on salary and location.


Expenditure on food and grocery for families

Families' spending on grocery ranges from 4,700 UAH to 87,000 UAH with the location, income, and size of the family being the most determinite factors.

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