Last update: Oct 2026

Cost of Living Comparison Between Banja Luka and Kielce

For one person, living is cheaper in Banja Luka: $1,200 a month against $1,420 in Kielce, rent and utilities included – about $2,600 less a year. Higher rent and utilities in Kielce outweigh lower spending on other living expenses.

58

Cost of Living Index in Banja Luka
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Banja Luka Living Index
69

Cost of Living Index in Kielce
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Kielce Living Index

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Banja Luka

🇧🇦 Bosnia and Herzegovina

$1,200

/mo nomad

Kielce

🇵🇱 Poland

$1,420

/mo nomad

Monthly Cost of Living

How much you'll spend in Banja Luka and in Kielce

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

A single person spends $1,200 per month in Banja Luka vs $1,420 in Kielce, rent included.

Banja Luka $1,200
Kielce $1,420

A couple spends around $1,829 per month in Banja Luka vs $2,004 in Kielce, rent included.

Banja Luka $1,829
Kielce $2,004

A family of three spends $2,458 per month in Banja Luka vs $2,587 in Kielce, rent included.

Banja Luka $2,458
Kielce $2,587

Banja Luka is about 16% cheaper than Kielce, and outside of rent the biggest gap is in groceries.

Banja Luka sits 11% below the global median, while Kielce is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$9.52 BAM 16.55

$11.56 zł 44.93

-17.65%

Three-Course Dinner for Two, Mid-Range

$50.0 BAM 87.0

$38.56 zł 150

29.77%

Fast Food Meal (McDonalds, etc)

$10.96 BAM 19.06

$7.82 zł 30.38

40.15%

Cappuccino

$1.80 BAM 3.13

$2.97 zł 11.52

-39.39%

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

$2.60 BAM 4.51

$1.44 zł 5.59

80.56%

Water (0.33 liter bottle)

$1.62 BAM 2.81

$1.14 zł 4.41

42.11%

Local Beer (0.5 liter draught)

$2.45 BAM 4.26

$3.56 zł 13.82

-31.18%

Imported Beer (0.33 liter bottle)

$3.42 BAM 5.95

$3.78 zł 14.67

-9.52%

Milk (1 liter)

$1.39 BAM 2.42

$1.11 zł 4.30

25.23%

White Bread (500g)

$1.18 BAM 2.06

$1.44 zł 5.61

-18.06%

Rice (white) (1kg)

$1.60 BAM 2.78

$1.14 zł 4.41

40.35%

Eggs

$2.80 BAM 4.87

$3.21 zł 12.47

-12.77%

Local Cheese (1kg)

$9.46 BAM 16.44

$7.16 zł 27.80

32.12%

Chicken Fillets (1kg)

$8.83 BAM 15.36

$6.58 zł 25.56

34.19%

Beef Round Steak (1kg)

$14.02 BAM 24.38

$8.96 zł 34.83

56.47%

Apples (1kg)

$1.84 BAM 3.19

$0.92 zł 3.56

100.00%

Banana (1kg)

$1.97 BAM 3.43

$1.58 zł 6.16

24.68%

Oranges (1kg)

$2.22 BAM 3.87

$1.27 zł 4.93

74.80%

Tomato (1kg)

$2.25 BAM 3.92

$2.33 zł 9.04

-3.43%

Potato (1kg)

$1.03 BAM 1.79

$0.66 zł 2.56

56.06%

Onion (1kg)

$1.37 BAM 2.38

$0.83 zł 3.24

65.06%

Lettuce (1 head)

$1.19 BAM 2.07

$1.01 zł 3.91

17.82%

Water (1.5 liter bottle)

$0.91 BAM 1.58

$0.66 zł 2.55

37.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.98 BAM 6.91

$5.16 zł 20.03

-22.87%

Wine (Bottle)

$8.31 BAM 14.44

$7.24 zł 28.12

14.78%

Local Beer (0.5 liter bottle)

$0.97 BAM 1.68

$1.23 zł 4.79

-21.14%

Imported Beer (0.33 liter bottle)

$1.35 BAM 2.35

$1.52 zł 5.92

-11.18%

One-way Ticket (Public Transport)

$1.29 BAM 2.24

$1.04 zł 4.06

24.04%

Public Transport Monthly Pass (Regular Price)

$44.41 BAM 77.2

$30.90 zł 120

43.72%

Taxi Start (Normal Tariff)

$1.75 BAM 3.05

$1.84 zł 7.17

-4.89%

Taxi (Normal Tariff) (1km)

$1.17 BAM 2.03

$1.01 zł 3.93

15.84%

Taxi 1hour Waiting (Normal Tariff)

$17.47 BAM 30.38

$10.93 zł 42.45

59.84%

Gasoline (1 liter)

$1.77 BAM 3.07

$1.57 zł 6.10

12.74%

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

$30.4K BAM 52.8K

$31.3K zł 121.7K

-3.07%

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

$21.4K BAM 37.3K

$27.4K zł 106.3K

-21.60%

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

$157 BAM 273

$234 zł 908

-32.80%

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

$16.19 BAM 28.15

$8.24 zł 32.02

96.48%

Internet (50+ Mbps, Unlimited Data)

$37.07 BAM 64.5

$14.92 zł 58.0

148.46%

Gym Membership (Monthly)

$38.44 BAM 66.9

$38.61 zł 150

-0.44%

Tennis Court (1 Hour on Weekend)

$14.70 BAM 25.56

$18.58 zł 72.2

-20.88%

Cinema Ticket

$5.77 BAM 10.04

$7.85 zł 30.49

-26.50%

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

$294 BAM 511

$264 zł 1,026

11.38%

International Primary School, 1 Child (Yearly)

$3,564 BAM 6,197

$8,211 zł 31.9K

-56.59%

Jeans (Levis 501 Or Similar)

$82.3 BAM 143

$73.0 zł 284

12.67%

Summer Dress (H&M, Zara, etc)

$35.34 BAM 61.5

$36.43 zł 142

-2.99%

Sport Shoes (Adidas, Nike)

$104 BAM 181

$76.0 zł 295

36.89%

Men's Leather Business Shoes

$144 BAM 251

$104 zł 404

38.76%

1-bedroom Apartment, City Center (Monthly)

$468 BAM 813

$723 zł 2,808

-35.28%

1-bedroom Apartment, Outside City Center (Monthly)

$306 BAM 533

$555 zł 2,158

-44.84%

3-bedroom Apartment, City Center (Monthly)

$684 BAM 1,189

$963 zł 3,742

-29.01%

3-bedroom Apartment, Outside City Center (Monthly)

$480 BAM 834

$797 zł 3,096

-39.80%

Buy Apartment in City Center (m2)

$2,865 BAM 4,982

$3,030 zł 11.8K

-5.45%

Buy Apartment Outside City Center (m2)

$1,870 BAM 3,253

$2,491 zł 9,679

-24.92%

Average Monthly Net Salary (After Tax)

$872 BAM 1,516

$1,335 zł 5,186

-34.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

6.42

-30.84%

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

Last update for Banja Luka: October 19, 2026

Last update for Kielce: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Banja Luka

$306 25.5%

Kielce

$555 39.1% 81.3% $249

Groceries & Markets

Banja Luka

$245 20.4%

Kielce

$194 13.7% 20.7% $51

Monthly Utilities & Internet

Banja Luka

$210 17.5%

Kielce

$257 18.1% 22.2% $47

Eating Out

Banja Luka

$167 13.9%

Kielce

$187 13.2% 12.4% $21

Clothing & Footwear

Banja Luka

$165 13.7%

Kielce

$130 9.2% 20.9% $34

Getting Around

Banja Luka

$57 4.8%

Kielce

$42 3% 26.6% $15

Sport & Entertainment

Banja Luka

$50 4.2%

Kielce

$54 3.8% 8.6% $4.3

Cost Breakdown

A central one-bedroom costs $468 in Banja Luka versus $723 in Kielce. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 53% higher in Kielce, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $50.0 in Banja Luka versus $39.00 in Kielce. Monthly groceries follow the same trend: $245 vs $194 – making Kielce the more affordable choice for daily food spending.

Good to know

🇧🇦 Banja Luka

🇵🇱 Kielce

🕒 Local time

01:30 1:30 AM

Same time as Banja Luka

🌤 Weather

👥 Population

138,963

192,468

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

Polish Złoty PLN zł

📈 Exchange rate

1 BAM = 0.575 USD

1 BAM = 0.512 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

PLN, USD, EUR to BAM – Bosnia and Herzegovina Convertible Mark Converter

🇺🇸 United States Dollar ($)

🇧🇦 Bosnia and Herzegovina Convertible Mark (KM)

Bosnia and Herzegovina Convertible Mark exchange rates as of October 20, 2026: 1 USD = 1.74 BAM (1 BAM = 0.575 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

Polish Złoty exchange rates as of October 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

USD to BAM in detail →

On the map

Lowest

Highest

Between locations

Banja Luka Kielce 720 km ≈ 1 h 30 min nonstop flight

From you

Banja Luka
Kielce

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

Banja Luka vs Kielce: Cost of Living - Frequently Asked Questions

Yes – Kielce is pricier by about 18%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,800 per month in Banja Luka and $2,131 in Kielce. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Banja Luka, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Interestingly, groceries are about 26% cheaper in Kielce – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $50.0 in Banja Luka and $39.00 in Kielce. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Banja Luka, where all-in costs run around $1,200, than in Kielce at $1,420. In Banja Luka it covers expenses comfortably, while in Kielce it requires careful planning or may not stretch far enough.

Families tend to lean toward Banja Luka – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Banja Luka. If higher salaries, better infrastructure, or specific career opportunities are the priority, Kielce makes more sense. Both are solid long-term options with distinct trade-offs.