Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Tarnow

For one person, living is cheaper in Tarnow: $1,177 a month against $2,663 in Austin, TX, rent and utilities included – about $17,800 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
57

Cost of Living Index in Tarnow
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Tarnow Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Tarnow

🇵🇱 Poland

$1,177

/mo nomad

Monthly Cost of Living

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

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 Tarnow actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $1,177 in Tarnow.

Austin, TX $2,663
Tarnow $1,177

Estimated couple costs with rent: $4,133 in Austin, TX versus $1,635 in Tarnow.

Austin, TX $4,133
Tarnow $1,635

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $2,092 in Tarnow.

Austin, TX $5,603
Tarnow $2,092

Living in Austin, TX is roughly 126% more expensive than in Tarnow, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Austin, TX is 97% above, Tarnow is 13% below.

Meal at Budget Restaurant

$20.77 $20.77

$10.26 zł 39.87

102.44%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$25.56 zł 99.3

230.95%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$6.35 zł 24.66

94.02%

Cappuccino

$5.63 $5.63

$2.47 zł 9.58

127.94%

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

$3.72 $3.72

$2.14 zł 8.32

73.83%

Water (0.33 liter bottle)

$2.50 $2.50

$1.30 zł 5.05

92.31%

Local Beer (0.5 liter draught)

$8.05 $8.05

$3.75 zł 14.56

114.67%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$3.87 zł 15.05

132.82%

Milk (1 liter)

$1.12 $1.12

$1.01 zł 3.91

10.89%

White Bread (500g)

$3.75 $3.75

$1.18 zł 4.60

217.80%

Rice (white) (1kg)

$3.26 $3.26

$1.24 zł 4.83

162.90%

Eggs

$4.17 $4.17

$2.37 zł 9.21

75.95%

Local Cheese (1kg)

$12.90 $12.90

$7.56 zł 29.38

70.63%

Chicken Fillets (1kg)

$14.16 $14.16

$5.61 zł 21.79

152.41%

Beef Round Steak (1kg)

$16.22 $16.22

$9.74 zł 37.84

66.53%

Apples (1kg)

$4.33 $4.33

$0.77 zł 3.00

462.34%

Banana (1kg)

$1.46 $1.46

$1.52 zł 5.89

-3.95%

Oranges (1kg)

$4.51 $4.51

$1.24 zł 4.84

263.71%

Tomato (1kg)

$4.34 $4.34

$1.93 zł 7.49

124.87%

Potato (1kg)

$2.58 $2.58

$0.72 zł 2.81

258.33%

Onion (1kg)

$2.35 $2.35

$1.01 zł 3.91

132.67%

Lettuce (1 head)

$1.78 $1.78

$1.00 zł 3.87

78.00%

Water (1.5 liter bottle)

$2.22 $2.22

$0.79 zł 3.09

181.01%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$4.22 zł 16.40

134.12%

Wine (Bottle)

$15.08 $15.08

$6.50 zł 25.25

132.00%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$0.89 zł 3.46

228.09%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$1.40 zł 5.43

147.14%

One-way Ticket (Public Transport)

$1.49 $1.49

$0.92 zł 3.59

61.96%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

$30.92 zł 120

34.93%

Taxi Start (Normal Tariff)

$2.73 $2.73

$1.28 zł 4.99

113.28%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$0.75 zł 2.90

121.33%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$10.13 zł 39.35

248.47%

Gasoline (1 liter)

$0.95 $0.95

$1.60 zł 6.23

-40.63%

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

$36.0K $36.0K

$30.3K zł 117.6K

19.08%

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

$27.1K $27.1K

$24.4K zł 94.6K

11.14%

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

$229 $229

$243 zł 944

-5.77%

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

$59.4 $59.4

$9.09 zł 35.30

553.36%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$16.23 zł 63.1

330.75%

Gym Membership (Monthly)

$57.2 $57.2

$25.28 zł 98.2

126.42%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

$11.35 zł 44.10

43.88%

Cinema Ticket

$14.28 $14.28

$4.68 zł 18.18

205.13%

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

$1,506 $1,506

$285 zł 1,108

428.04%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$2,499 zł 9,711

758.45%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$79.4 zł 308

-33.48%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$25.23 zł 98.0

73.68%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$75.9 zł 295

11.76%

Men's Leather Business Shoes

$103 $103

$114 zł 443

-9.68%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$430 zł 1,669

344.03%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$349 zł 1,357

264.82%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$601 zł 2,337

509.27%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$466 zł 1,810

444.83%

Buy Apartment in City Center (m2)

$7,614 $7,614

$2,648 zł 10.3K

187.48%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

$1,745 zł 6,781

80.90%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$1,019 zł 3,960

402.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

6.68

1.65%

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

Last update for Austin, TX: October 12, 2026

Last update for Tarnow: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 47.8%

Tarnow

$349 29.7% 72.6% $925

Groceries & Markets

Austin, TX

$405 15.2%

Tarnow

$182 15.5% 55.1% $223

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Tarnow

$268 22.8% 25.1% $90

Eating Out

Austin, TX

$354 13.3%

Tarnow

$171 14.5% 51.7% $183

Clothing & Footwear

Austin, TX

$128 4.8%

Tarnow

$133 11.3% 3.6% $4.6

Sport & Entertainment

Austin, TX

$86 3.2%

Tarnow

$35 2.9% 59.6% $51

Getting Around

Austin, TX

$59 2.2%

Tarnow

$40 3.4% 32.5% $19

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $430 in Tarnow. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 402% 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 $26.00 in Tarnow for a mid-range dinner for two. Groceries echo the gap at $405 vs $182 per month, with Tarnow cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇵🇱 Tarnow

🕒 Local time

18:18 6:18 PM

01:18 1:18 AM

7 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

106,748

💱 Currency

United States Dollar USD $

Polish Złoty PLN zł

📈 Exchange rate

1 USD = 0.89 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 = 0.89 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 →

On the map

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Between locations

Austin, TX Tarnow 9,240 km ≈ 12 h nonstop flight

From you

Austin, TX
Tarnow

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 Tarnow: Cost of Living - Frequently Asked Questions

Tarnow wins on cost – living expenses run 126% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Tarnow the obvious pick if budget is a priority.

Average pay runs 402% 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 $430 in Tarnow. 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 $1,177 in Tarnow – a 126% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Tarnow runs roughly 35% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,177 in Tarnow versus $2,663 in Austin, TX, a $1,000 budget is realistic in Tarnow but tight or insufficient in Austin, TX. The gap between the two cities makes Tarnow 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 Tarnow 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 Tarnow gentler on the wallet – expenses run 126% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.