Last update: Nov 2026

Cost of Living Comparison Between Biala Podlaska and Warsaw

For one person, living is cheaper in Biala Podlaska: $1,282 a month against $1,995 in Warsaw, rent and utilities included – about $8,600 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Biala Podlaska
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Biala Podlaska Living Index
95

Cost of Living Index in Warsaw
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Warsaw Living Index

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Biala Podlaska

🇵🇱 Poland

$1,282

/mo nomad

Warsaw

🇵🇱 Poland

$1,995

/mo nomad

Monthly Cost of Living

How much you'll spend in Biala Podlaska and in Warsaw

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

Monthly costs for one person with rent: $1,282 in Biala Podlaska versus $1,995 in Warsaw.

Biala Podlaska $1,282
Warsaw $1,995

Estimated couple costs with rent: $1,893 in Biala Podlaska versus $2,866 in Warsaw.

Biala Podlaska $1,893
Warsaw $2,866

Monthly costs for a family of three with rent: $2,504 in Biala Podlaska versus $3,737 in Warsaw.

Biala Podlaska $2,504
Warsaw $3,737

Living in Biala Podlaska costs roughly 36% less than in Warsaw, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Biala Podlaska is 5% below, Warsaw is 48% above.

Meal at Budget Restaurant

$7.51 zł 29.56

$11.57 zł 45.51

-35.09%

Three-Course Dinner for Two, Mid-Range

$20.44 zł 80.4

$61.8 zł 243

-66.94%

Fast Food Meal (McDonalds, etc)

$9.07 zł 35.69

$9.95 zł 39.15

-8.84%

Cappuccino

$3.46 zł 13.63

$4.31 zł 16.95

-19.72%

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

$2.77 zł 10.89

$2.32 zł 9.15

19.40%

Water (0.33 liter bottle)

$2.77 zł 10.91

$2.27 zł 8.92

22.03%

Local Beer (0.5 liter draught)

$4.60 zł 18.10

$4.54 zł 17.88

1.32%

Imported Beer (0.33 liter bottle)

$5.09 zł 20.03

$5.18 zł 20.37

-1.74%

Milk (1 liter)

$0.95 zł 3.75

$1.06 zł 4.18

-10.38%

White Bread (500g)

$1.10 zł 4.33

$1.54 zł 6.07

-28.57%

Rice (white) (1kg)

$1.38 zł 5.43

$1.53 zł 6.01

-9.80%

Eggs

$3.32 zł 13.05

$3.80 zł 14.95

-12.63%

Local Cheese (1kg)

$10.42 zł 41.00

$8.87 zł 34.88

17.47%

Chicken Fillets (1kg)

$6.78 zł 26.67

$6.80 zł 26.75

-0.29%

Beef Round Steak (1kg)

$11.46 zł 45.10

$14.56 zł 57.3

-21.29%

Apples (1kg)

$1.18 zł 4.66

$1.16 zł 4.57

1.72%

Banana (1kg)

$1.64 zł 6.47

$1.70 zł 6.69

-3.53%

Oranges (1kg)

$2.31 zł 9.11

$1.67 zł 6.58

38.32%

Tomato (1kg)

$2.99 zł 11.75

$4.35 zł 17.13

-31.26%

Potato (1kg)

$0.77 zł 3.04

$0.94 zł 3.68

-18.09%

Onion (1kg)

$0.92 zł 3.61

$0.91 zł 3.57

1.10%

Lettuce (1 head)

$1.33 zł 5.25

$1.43 zł 5.62

-6.99%

Water (1.5 liter bottle)

$0.58 zł 2.27

$0.69 zł 2.73

-15.94%

Cigarettes 20 Pack (Marlboro, Camel)

$5.56 zł 21.89

$6.15 zł 24.22

-9.59%

Wine (Bottle)

$6.56 zł 25.81

$6.20 zł 24.40

5.81%

Local Beer (0.5 liter bottle)

$1.10 zł 4.33

$1.09 zł 4.31

0.92%

Imported Beer (0.33 liter bottle)

$1.75 zł 6.87

$1.70 zł 6.67

2.94%

One-way Ticket (Public Transport)

$1.04 zł 4.09

$1.13 zł 4.45

-7.96%

Public Transport Monthly Pass (Regular Price)

$29.54 zł 116

$27.41 zł 108

7.77%

Taxi Start (Normal Tariff)

$1.84 zł 7.22

$2.57 zł 10.11

-28.40%

Taxi (Normal Tariff) (1km)

$0.68 zł 2.67

$1.30 zł 5.10

-47.69%

Taxi 1hour Waiting (Normal Tariff)

$9.24 zł 36.35

$12.56 zł 49.40

-26.43%

Gasoline (1 liter)

$1.51 zł 5.96

$1.73 zł 6.82

-12.72%

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

$30.6K zł 120.4K

$30.0K zł 118.0K

2.00%

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

$27.9K zł 109.6K

$30.4K zł 119.5K

-8.28%

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

$191 zł 751

$329 zł 1,294

-41.97%

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

$8.72 zł 34.33

$9.08 zł 35.71

-3.96%

Internet (50+ Mbps, Unlimited Data)

$12.70 zł 49.98

$16.00 zł 63.0

-20.63%

Gym Membership (Monthly)

$38.86 zł 153

$46.70 zł 184

-16.79%

Tennis Court (1 Hour on Weekend)

$20.46 zł 80.5

$27.92 zł 110

-26.72%

Cinema Ticket

$5.12 zł 20.13

$8.80 zł 34.63

-41.82%

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

$507 zł 1,993

$592 zł 2,330

-14.46%

International Primary School, 1 Child (Yearly)

$13.6K zł 53.4K

$18.2K zł 71.6K

-25.42%

Jeans (Levis 501 Or Similar)

$73.3 zł 288

$105 zł 413

-30.24%

Summer Dress (H&M, Zara, etc)

$40.00 zł 157

$38.96 zł 153

2.67%

Sport Shoes (Adidas, Nike)

$87.8 zł 345

$108 zł 425

-18.66%

Men's Leather Business Shoes

$96.9 zł 381

$112 zł 441

-13.66%

1-bedroom Apartment, City Center (Monthly)

$649 zł 2,553

$1,150 zł 4,523

-43.56%

1-bedroom Apartment, Outside City Center (Monthly)

$446 zł 1,754

$910 zł 3,581

-51.01%

3-bedroom Apartment, City Center (Monthly)

$1,098 zł 4,320

$2,144 zł 8,434

-48.78%

3-bedroom Apartment, Outside City Center (Monthly)

$819 zł 3,224

$1,456 zł 5,727

-43.72%

Buy Apartment in City Center (m2)

$2,947 zł 11.6K

$6,018 zł 23.7K

-51.03%

Buy Apartment Outside City Center (m2)

$2,216 zł 8,719

$3,852 zł 15.2K

-42.48%

Average Monthly Net Salary (After Tax)

$1,025 zł 4,033

$2,052 zł 8,072

-50.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

6.68

2.84%

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

Last update for Biala Podlaska: November 3, 2026

Last update for Warsaw: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Biala Podlaska

$446 34.8%

Warsaw

$910 45.6% 104% $464

Groceries & Markets

Biala Podlaska

$217 17%

Warsaw

$236 11.8% 8.6% $19

Monthly Utilities & Internet

Biala Podlaska

$212 16.6%

Warsaw

$354 17.7% 66.7% $142

Eating Out

Biala Podlaska

$184 14.4%

Warsaw

$226 11.3% 22.4% $41

Clothing & Footwear

Biala Podlaska

$134 10.5%

Warsaw

$164 8.2% 22.2% $30

Sport & Entertainment

Biala Podlaska

$49 3.8%

Warsaw

$64 3.2% 31% $15

Getting Around

Biala Podlaska

$39 3%

Warsaw

$41 2.1% 5.3% $2

Cost Breakdown

A one-bedroom apartment in the center runs $649 in Biala Podlaska and $1,150 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays about 2 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $20 in Biala Podlaska vs $62 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $217 vs $236 per month, with Biala Podlaska cheaper across the board.

Good to know

🇵🇱 Biala Podlaska

🇵🇱 Warsaw

🕒 Local time

17:55 5:55 PM

Same time as Biala Podlaska

🌤 Weather

👥 Population

56,760

1,861,599 Capital

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.254 USD

1 PLN = 0.227 EUR

1 PLN = 0.254 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

On the map

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From you

Biala Podlaska
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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

Biala Podlaska vs Warsaw: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,282 in Biala Podlaska and $1,995 in Warsaw, so Biala Podlaska is about 36% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 50% lower in Biala Podlaska. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $649 in Biala Podlaska versus $1,150 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $507 in Biala Podlaska versus $592 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 9% higher in Warsaw. For households that cook at home regularly, that difference adds up over a month.

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.

It comes down to priorities – Biala Podlaska wins on affordability, Warsaw on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.