City Comparison
Terni vs Swartz Creek
Cost of living, salaries, climate and quality of life compared side by side.
VS
Terni scores higher overall
Performance
Score Breakdown
Terni
Swartz Creek
Livability
Affordability
Business
Growth
Expenses
Cost of Living
Terni is the more affordable option overall — monthly living expenses run about
36% lower than in Swartz Creek.
Housing costs are a major driver: Terni's average rent is
48% lower than Swartz Creek's.
| Metric | Terni | Swartz Creek | Diff |
|---|---|---|---|
| Average Rent | $650 | $1,250 | -48% |
| Groceries | $380 | $380 | 0% |
| Utilities | $175 | $175 | 0% |
| Transport | $50 | $110 | -55% |
| Healthcare | $120 | $230 | -48% |
| Monthly Total | $1,375 | $2,145 | -36% |
| Cost Index | 62 | 92 | out of 100 |
Income
Salary & Income
Swartz Creek offers 54% lower average salaries.
However, when adjusted for local cost of living, Swartz Creek delivers stronger purchasing power —
meaning your dollar stretches further day-to-day.
The minimum comfortable salary in Terni is estimated at
$24,000 vs $48,000 in Swartz Creek.
| Metric | Terni | Swartz Creek |
|---|---|---|
| Average Salary | $28,500 | $62,000 |
| Salary Needed | $24,000 | $48,000 |
| Purchasing Power | 45,968 idx | 67,391 idx |
| Household Income | $32,000 | $64,500 |
Weather
Climate Comparison
Terni runs warmer on average — a 12.2°F difference year-round.
Winter severity differs too — Swartz Creek sees 30.8 more inches of snowfall annually.
| Metric | Terni | Swartz Creek |
|---|---|---|
| Avg Temp | 60.90°F | 48.70°F |
| Summer High | 89.40°F | 80.20°F |
| Winter Low | 39.50°F | 16.50°F |
| Rainfall | 44.70 in | 30.20 in |
| Snowfall | 2.80 in | 33.60 in |
| Sunny Days | 257 | 251 |
| Humidity | 68.00% | 68.00% |
Mobility
Commute & Transport
Both cities have comparable commute times, within 2 minutes of each other.
Terni scores higher for public transit, making it the better choice for car-free living.
For walkability, Terni leads — a better score here means more amenities reachable on foot.
| Metric | Terni | Swartz Creek |
|---|---|---|
| Commute Time | 22 min | 24 min |
| Transit Score | 52.0/100 | 35.0/100 |
| Walkability | 65.0/100 | 48.0/100 |
| Traffic Index | 40.00 | 38.00 |
| Car Dependency | Medium | High |
Population
Economy & Demographics
Terni is the larger city
— approximately 18.8x the population of Swartz Creek.
From a growth perspective, Swartz Creek is expanding faster, signaling stronger demand for housing, jobs, and services.
On the employment side, Swartz Creek has a lower unemployment rate, reflecting a tighter and more competitive job market.
| Metric | Terni | Swartz Creek |
|---|---|---|
| Population | 107,100 | 5,700 |
| Pop. Growth | — | 0.50% |
| Median Age | 47.5 | 41.2 |
| Unemployment | 7.50% | 4.30% |
| GDP | — | — |
At a Glance
Pros & Cons
Terni
Advantages
Average rent and home purchase prices are significantly lower than Rome and national Italian averages per Numbeo 2025 data.
Direct rail connections put Rome within a convenient one-hour commuting or day-trip distance.
Proximity to world-class natural attractions, including the Marmore Falls and Lake Piediluco.
Lower traffic congestion and better air-to-green-space ratios compared to major Italian metropolitan areas.
Robust local industrial heritage providing stable technical and engineering employment opportunities.
Drawbacks
Local salary levels reflect regional southern Umbrian economic caps rather than northern Italian standards.
Post-war urban architecture lacks the uniform medieval aesthetic found in surrounding Umbrian hill towns.
Summer temperatures can be quite high due to the valley basin topography trapping heat.
Public transit options outside peak hours and major routes can be infrequent.
Limited nightlife and entertainment options geared toward younger demographics compared to Perugia or Rome.
Swartz Creek
Advantages
Median home prices and overall cost of living remain significantly below the national average per US Census Bureau data.
Consistently low crime rates provide an exceptionally safe environment for families and retirees.
Highly rated local school district offering robust academic and extracurricular programs.
Convenient geographic location with direct access to I-69, facilitating easy commutes to Flint and Lansing.
Active community parks and recreational programming that foster strong local engagement.
Drawbacks
High reliance on personal automobiles due to limited public transportation infrastructure.
Fewer high-paying local corporate headquarters within city limits, requiring outbound commuting for certain professional sectors.
Limited nightlife and entertainment venues directly within the city center.
Winters bring heavy snowfall averaging over 33 inches, requiring consistent snow removal efforts.
Modest pace of new commercial development compared to larger surrounding suburbs.
Explore
Dive Deeper
Key figures side by side — see which city wins each category at a glance.
Terni
#20Umbria, Italy
67.8 / 100 overall
Avg Rent
$650
Avg Salary
$28,500
Cost Index
62
Commute
22 min
Transit Score
52.0/100
Walkability
65.0/100
Sunny Days
257/yr
Avg Temp
60.90°F
Pop. Growth
%
Unemployment
7.50%
Livability
75
Business
67
Swartz Creek
#146Michigan, USA
65.3 / 100 overall
Avg Rent
$1,250
Avg Salary
$62,000
Cost Index
92
Commute
24 min
Transit Score
35.0/100
Walkability
48.0/100
Sunny Days
251/yr
Avg Temp
48.70°F
Pop. Growth
0.50%
Unemployment
4.30%
Livability
78
Business
68
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