Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Olsztyn

For one person, living is cheaper in Olsztyn: $1,816 a month against $2,663 in Austin, TX, rent and utilities included – about $10,200 less a year. Rent and utilities account for about half of the difference.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
89

Cost of Living Index in Olsztyn
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Olsztyn Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Olsztyn

🇵🇱 Poland

$1,816

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Olsztyn

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in Olsztyn actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $1,816 in Olsztyn.

Austin, TX $2,663
Olsztyn $1,816

Estimated couple costs with rent: $4,133 in Austin, TX versus $2,678 in Olsztyn.

Austin, TX $4,133
Olsztyn $2,678

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $3,540 in Olsztyn.

Austin, TX $5,603
Olsztyn $3,540

Living in Austin, TX is roughly 47% more expensive than in Olsztyn, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Austin, TX 97% above, Olsztyn 34% above.

Meal at Budget Restaurant

$20.77 $20.77

$12.84 zł 49.88

61.76%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$50.4 zł 196

67.80%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$8.92 zł 34.67

38.12%

Cappuccino

$5.63 $5.63

$3.31 zł 12.85

70.09%

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

$3.72 $3.72

$2.51 zł 9.75

48.21%

Water (0.33 liter bottle)

$2.50 $2.50

$1.87 zł 7.26

33.69%

Local Beer (0.5 liter draught)

$8.05 $8.05

$2.98 zł 11.59

170.13%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$3.91 zł 15.18

130.43%

Milk (1 liter)

$1.12 $1.12

$1.05 zł 4.09

6.67%

White Bread (500g)

$3.75 $3.75

$1.26 zł 4.90

197.62%

Rice (white) (1kg)

$3.26 $3.26

$1.42 zł 5.52

129.58%

Eggs

$4.17 $4.17

$3.85 zł 14.95

8.31%

Local Cheese (1kg)

$12.90 $12.90

$9.72 zł 37.77

32.72%

Chicken Fillets (1kg)

$14.16 $14.16

$7.34 zł 28.51

92.92%

Beef Round Steak (1kg)

$16.22 $16.22

$15.04 zł 58.5

7.85%

Apples (1kg)

$4.33 $4.33

$1.23 zł 4.77

252.03%

Banana (1kg)

$1.46 $1.46

$1.61 zł 6.25

-9.32%

Oranges (1kg)

$4.51 $4.51

$1.80 zł 6.99

150.56%

Tomato (1kg)

$4.34 $4.34

$3.43 zł 13.32

26.53%

Potato (1kg)

$2.58 $2.58

$0.97 zł 3.78

165.98%

Onion (1kg)

$2.35 $2.35

$1.17 zł 4.54

100.85%

Lettuce (1 head)

$1.78 $1.78

$1.37 zł 5.32

29.93%

Water (1.5 liter bottle)

$2.22 $2.22

$0.68 zł 2.64

226.47%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$5.49 zł 21.32

79.96%

Wine (Bottle)

$15.08 $15.08

$7.42 zł 28.84

103.23%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$1.13 zł 4.39

158.41%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$1.54 zł 6.00

124.68%

One-way Ticket (Public Transport)

$1.49 $1.49

$1.05 zł 4.07

41.90%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

$25.79 zł 100

61.77%

Taxi Start (Normal Tariff)

$2.73 $2.73

$2.08 zł 8.09

31.25%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$0.74 zł 2.88

124.32%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$10.21 zł 39.67

245.74%

Gasoline (1 liter)

$0.95 $0.95

$1.66 zł 6.43

-42.77%

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

$36.0K $36.0K

$31.4K zł 121.9K

14.92%

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

$27.1K $27.1K

$29.5K zł 114.4K

-8.07%

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

$229 $229

$329 zł 1,277

-30.33%

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

$59.4 $59.4

$10.17 zł 39.53

483.97%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$19.00 zł 73.8

267.95%

Gym Membership (Monthly)

$57.2 $57.2

$50.7 zł 197

12.99%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

$22.47 zł 87.3

-27.33%

Cinema Ticket

$14.28 $14.28

$9.12 zł 35.42

56.58%

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

$1,506 $1,506

$378 zł 1,467

298.87%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$13.7K zł 53.4K

56.07%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$103 zł 399

-48.57%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$48.59 zł 189

-9.82%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$103 zł 402

-18.06%

Men's Leather Business Shoes

$103 $103

$105 zł 406

-1.48%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$1,004 zł 3,900

90.00%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$744 zł 2,892

71.18%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$1,685 zł 6,546

117.51%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$1,344 zł 5,221

88.87%

Buy Apartment in City Center (m2)

$7,614 $7,614

$3,690 zł 14.3K

106.36%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

$2,548 zł 9,898

23.93%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$1,374 zł 5,338

272.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

7.52

-9.71%

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

Last update for Austin, TX: October 12, 2026

Last update for Olsztyn: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 47.8%

Olsztyn

$744 41% 41.6% $530

Groceries & Markets

Austin, TX

$405 15.2%

Olsztyn

$238 13.1% 41.2% $167

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Olsztyn

$358 19.7% 0.1% $0.5

Eating Out

Austin, TX

$354 13.3%

Olsztyn

$209 11.5% 40.8% $144

Clothing & Footwear

Austin, TX

$128 4.8%

Olsztyn

$162 8.9% 26.3% $34

Sport & Entertainment

Austin, TX

$86 3.2%

Olsztyn

$69 3.8% 19.7% $17

Getting Around

Austin, TX

$59 2.2%

Olsztyn

$36 2% 39.1% $23

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $1,004 in Olsztyn. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 273% 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: $85.0 in Austin, TX vs $50.0 in Olsztyn for a mid-range dinner for two. Groceries echo the gap at $405 vs $238 per month, with Olsztyn cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇵🇱 Olsztyn

🕒 Local time

12:32 12:32 PM

19:32 7:32 PM

7 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

174,675

💱 Currency

United States Dollar USD $

Polish Złoty PLN zł

📈 Exchange rate

1 USD = 0.889 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

PLN, EUR to USD – United States Dollar Converter

🇵🇱 Polish Złoty (zł)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

Polish Złoty exchange rates as of October 17, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

PLN to USD in detail →

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Austin, TX Olsztyn 8,950 km ≈ 12 h nonstop flight

From you

Austin, TX
Olsztyn

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

Austin, TX vs Olsztyn: Cost of Living - Frequently Asked Questions

Olsztyn wins on cost – living expenses run 47% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Olsztyn the obvious pick if budget is a priority.

Average pay runs 273% higher in Austin, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,907 in Austin, TX versus $1,004 in Olsztyn. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,663 per month in Austin, TX versus $1,816 in Olsztyn – a 47% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Olsztyn runs roughly 62% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,816 in Olsztyn versus $2,663 in Austin, TX, a $2,500 budget is realistic in Olsztyn but tight or insufficient in Austin, TX. The gap between the two cities makes Olsztyn 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, Austin, TX and Olsztyn 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 Olsztyn gentler on the wallet – expenses run 47% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.