Last update: Oct 2026

Cost of Living Comparison Between Bydgoszcz and Warsaw

For one person, living is cheaper in Bydgoszcz: $1,461 a month against $2,051 in Warsaw, rent and utilities included – about $7,100 less a year. Rent and utilities account for most of the difference.

71

Cost of Living Index in Bydgoszcz
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Bydgoszcz Living Index
100

Cost of Living Index in Warsaw
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Warsaw Living Index

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Bydgoszcz

🇵🇱 Poland

$1,461

/mo nomad

Warsaw

🇵🇱 Poland

$2,051

/mo nomad

Monthly Cost of Living

How much you'll spend in Bydgoszcz 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 Bydgoszcz and in Warsaw actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,461 in Bydgoszcz versus $2,051 in Warsaw.

Bydgoszcz $1,461
Warsaw $2,051

Estimated couple costs with rent: $2,221 in Bydgoszcz versus $2,950 in Warsaw.

Bydgoszcz $2,221
Warsaw $2,950

Monthly costs for a family of three with rent: $2,981 in Bydgoszcz versus $3,850 in Warsaw.

Bydgoszcz $2,981
Warsaw $3,850

Living in Bydgoszcz costs roughly 29% less than in Warsaw, and outside of rent the biggest gap is in clothing.

Both cities are pricier than the global median: Bydgoszcz 8% above, Warsaw 51% above.

Meal at Budget Restaurant

$12.16 zł 47.25

$11.43 zł 44.39

6.39%

Three-Course Dinner for Two, Mid-Range

$63.0 zł 245

$62.0 zł 241

1.58%

Fast Food Meal (McDonalds, etc)

$7.78 zł 30.21

$10.30 zł 40.03

-24.47%

Cappuccino

$3.42 zł 13.29

$4.22 zł 16.38

-18.96%

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

$2.10 zł 8.17

$2.21 zł 8.59

-4.98%

Water (0.33 liter bottle)

$1.70 zł 6.61

$2.20 zł 8.54

-22.73%

Local Beer (0.5 liter draught)

$3.87 zł 15.02

$4.59 zł 17.84

-15.69%

Imported Beer (0.33 liter bottle)

$3.67 zł 14.25

$5.01 zł 19.46

-26.75%

Milk (1 liter)

$1.04 zł 4.06

$1.10 zł 4.27

-5.45%

White Bread (500g)

$1.68 zł 6.54

$1.47 zł 5.71

14.29%

Rice (white) (1kg)

$0.97 zł 3.77

$1.62 zł 6.29

-40.12%

Eggs

$3.86 zł 14.98

$3.92 zł 15.22

-1.53%

Local Cheese (1kg)

$9.19 zł 35.72

$9.08 zł 35.28

1.21%

Chicken Fillets (1kg)

$6.94 zł 26.95

$6.39 zł 24.82

8.61%

Beef Round Steak (1kg)

$11.97 zł 46.52

$14.50 zł 56.3

-17.45%

Apples (1kg)

$1.36 zł 5.30

$1.17 zł 4.55

16.24%

Banana (1kg)

$1.69 zł 6.56

$1.75 zł 6.81

-3.43%

Oranges (1kg)

$1.54 zł 6.00

$1.76 zł 6.84

-12.50%

Tomato (1kg)

$3.17 zł 12.30

$4.08 zł 15.87

-22.30%

Potato (1kg)

$0.93 zł 3.62

$0.90 zł 3.51

3.33%

Onion (1kg)

$1.32 zł 5.12

$0.94 zł 3.64

40.43%

Lettuce (1 head)

$1.13 zł 4.38

$1.41 zł 5.48

-19.86%

Water (1.5 liter bottle)

$0.66 zł 2.57

$0.70 zł 2.74

-5.71%

Cigarettes 20 Pack (Marlboro, Camel)

$5.67 zł 22.02

$6.37 zł 24.76

-10.99%

Wine (Bottle)

$8.13 zł 31.59

$6.48 zł 25.16

25.46%

Local Beer (0.5 liter bottle)

$1.07 zł 4.16

$1.16 zł 4.51

-7.76%

Imported Beer (0.33 liter bottle)

$1.43 zł 5.55

$1.73 zł 6.71

-17.34%

One-way Ticket (Public Transport)

$0.95 zł 3.71

$1.16 zł 4.51

-18.10%

Public Transport Monthly Pass (Regular Price)

$27.75 zł 108

$28.24 zł 110

-1.74%

Taxi Start (Normal Tariff)

$2.14 zł 8.30

$2.55 zł 9.91

-16.08%

Taxi (Normal Tariff) (1km)

$0.78 zł 3.04

$1.26 zł 4.90

-38.10%

Taxi 1hour Waiting (Normal Tariff)

$10.08 zł 39.18

$12.94 zł 50.3

-22.10%

Gasoline (1 liter)

$1.55 zł 6.03

$1.76 zł 6.86

-11.93%

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

$30.7K zł 119.2K

$30.6K zł 119.0K

0.14%

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

$29.7K zł 115.2K

$30.5K zł 118.4K

-2.71%

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

$282 zł 1,095

$340 zł 1,323

-17.23%

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

$7.93 zł 30.83

$9.07 zł 35.22

-12.57%

Internet (50+ Mbps, Unlimited Data)

$18.87 zł 73.3

$16.28 zł 63.3

15.91%

Gym Membership (Monthly)

$39.69 zł 154

$47.15 zł 183

-15.82%

Tennis Court (1 Hour on Weekend)

$16.79 zł 65.2

$28.50 zł 111

-41.09%

Cinema Ticket

$7.71 zł 29.97

$9.01 zł 35.02

-14.43%

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

$329 zł 1,278

$599 zł 2,327

-45.07%

International Primary School, 1 Child (Yearly)

$5,120 zł 19.9K

$14.3K zł 55.7K

-64.30%

Jeans (Levis 501 Or Similar)

$82.1 zł 319

$106 zł 414

-22.86%

Summer Dress (H&M, Zara, etc)

$36.18 zł 141

$39.28 zł 153

-7.89%

Sport Shoes (Adidas, Nike)

$89.4 zł 347

$107 zł 416

-16.54%

Men's Leather Business Shoes

$101 zł 392

$111 zł 433

-9.42%

1-bedroom Apartment, City Center (Monthly)

$678 zł 2,633

$1,173 zł 4,557

-42.21%

1-bedroom Apartment, Outside City Center (Monthly)

$491 zł 1,907

$956 zł 3,713

-48.64%

3-bedroom Apartment, City Center (Monthly)

$1,116 zł 4,336

$2,103 zł 8,170

-46.93%

3-bedroom Apartment, Outside City Center (Monthly)

$896 zł 3,481

$1,559 zł 6,056

-42.51%

Buy Apartment in City Center (m2)

$2,864 zł 11.1K

$6,040 zł 23.5K

-52.58%

Buy Apartment Outside City Center (m2)

$2,164 zł 8,409

$3,932 zł 15.3K

-44.95%

Average Monthly Net Salary (After Tax)

$1,497 zł 5,817

$2,093 zł 8,133

-28.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.68

3.14%

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

Last update for Bydgoszcz: October 19, 2026

Last update for Warsaw: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Bydgoszcz

$491 33.6%

Warsaw

$956 46.6% 94.7% $465

Monthly Utilities & Internet

Bydgoszcz

$309 21.1%

Warsaw

$366 17.8% 18.5% $57

Groceries & Markets

Bydgoszcz

$226 15.5%

Warsaw

$235 11.5% 4.1% $9.2

Eating Out

Bydgoszcz

$204 13.9%

Warsaw

$224 10.9% 9.8% $20

Clothing & Footwear

Bydgoszcz

$139 9.5%

Warsaw

$164 8% 18% $25

Sport & Entertainment

Bydgoszcz

$55 3.8%

Warsaw

$65 3.2% 18.2% $10

Getting Around

Bydgoszcz

$38 2.6%

Warsaw

$42 2% 11% $4.1

Cost Breakdown

A one-bedroom apartment in the center runs $678 in Bydgoszcz and $1,173 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 40% 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: $63.0 in Bydgoszcz vs $62.0 in Warsaw. Groceries flip the comparison at $226 vs $235, with Bydgoszcz cheaper for home cooking.

Good to know

🇵🇱 Bydgoszcz

🇵🇱 Warsaw

🕒 Local time

12:52 12:52 PM

Same time as Bydgoszcz

🌤 Weather

👥 Population

359,428

1,861,599 Capital

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

On the map

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Between locations

Bydgoszcz Warsaw 220 km

From you

Bydgoszcz
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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

Bydgoszcz vs Warsaw: Cost of Living - Frequently Asked Questions

Bydgoszcz wins on cost – living expenses run 40% lower than in Warsaw. Housing and daily spending are where you'll feel the difference most, making Bydgoszcz the obvious pick if budget is a priority.

On paper, salaries run 40% lower in Warsaw. 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: $678 in Bydgoszcz versus $1,173 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $329 in Bydgoszcz versus $599 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 4% higher in Warsaw. For households that cook at home regularly, that difference adds up over a month.

At $1,461 in Bydgoszcz versus $2,051 in Warsaw, a $1,000 budget is realistic in Bydgoszcz but tight or insufficient in Warsaw. The gap between the two cities makes Bydgoszcz the clear choice for anyone on this budget.

Both work as nomad bases, but Bydgoszcz delivers better value – similar infrastructure at $1,461 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Bydgoszcz hard to pass up.

Safety-wise, Bydgoszcz and Warsaw 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 Bydgoszcz gentler on the wallet – expenses run 40% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.