Last update: Nov 2026

Cost of Living Comparison Between Kartuzy and Warsaw

For one person, living is cheaper in Kartuzy: $1,454 a month against $1,995 in Warsaw, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

69

Cost of Living Index in Kartuzy
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Kartuzy Living Index
95

Cost of Living Index in Warsaw
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Warsaw Living Index

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Kartuzy

🇵🇱 Poland

$1,454

/mo nomad

Warsaw

🇵🇱 Poland

$1,995

/mo nomad

Monthly Cost of Living

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

A single person spends $1,454 per month in Kartuzy vs $1,995 in Warsaw, rent included.

Kartuzy $1,454
Warsaw $1,995

A couple spends around $2,079 per month in Kartuzy vs $2,866 in Warsaw, rent included.

Kartuzy $2,079
Warsaw $2,866

A family of three spends $2,704 per month in Kartuzy vs $3,737 in Warsaw, rent included.

Kartuzy $2,704
Warsaw $3,737

Kartuzy is about 27% cheaper than Warsaw, and outside of rent the biggest gap is in eating out.

Both Kartuzy and Warsaw sit above the global median – Kartuzy by 8%, Warsaw by 48%.

Meal at Budget Restaurant

$8.42 zł 32.92

$11.57 zł 45.25

-27.23%

Three-Course Dinner for Two, Mid-Range

$42.67 zł 167

$61.8 zł 242

-30.99%

Fast Food Meal (McDonalds, etc)

$8.60 zł 33.66

$9.95 zł 38.92

-13.57%

Cappuccino

$3.47 zł 13.58

$4.31 zł 16.85

-19.49%

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

$2.17 zł 8.49

$2.32 zł 9.09

-6.47%

Water (0.33 liter bottle)

$1.57 zł 6.13

$2.27 zł 8.87

-30.84%

Local Beer (0.5 liter draught)

$3.48 zł 13.61

$4.54 zł 17.77

-23.35%

Imported Beer (0.33 liter bottle)

$3.88 zł 15.19

$5.18 zł 20.25

-25.10%

Milk (1 liter)

$1.00 zł 3.89

$1.06 zł 4.15

-5.66%

White Bread (500g)

$1.20 zł 4.70

$1.54 zł 6.03

-22.08%

Rice (white) (1kg)

$1.16 zł 4.55

$1.53 zł 5.98

-24.18%

Eggs

$3.22 zł 12.60

$3.80 zł 14.86

-15.26%

Local Cheese (1kg)

$8.79 zł 34.40

$8.87 zł 34.68

-0.90%

Chicken Fillets (1kg)

$6.26 zł 24.49

$6.80 zł 26.60

-7.94%

Beef Round Steak (1kg)

$11.89 zł 46.50

$14.56 zł 56.9

-18.34%

Apples (1kg)

$1.11 zł 4.34

$1.16 zł 4.54

-4.31%

Banana (1kg)

$1.65 zł 6.45

$1.70 zł 6.65

-2.94%

Oranges (1kg)

$1.59 zł 6.22

$1.67 zł 6.54

-4.79%

Tomato (1kg)

$2.76 zł 10.79

$4.35 zł 17.03

-36.55%

Potato (1kg)

$0.82 zł 3.21

$0.94 zł 3.66

-12.77%

Onion (1kg)

$0.99 zł 3.86

$0.91 zł 3.55

8.79%

Lettuce (1 head)

$1.30 zł 5.09

$1.43 zł 5.59

-9.09%

Water (1.5 liter bottle)

$0.61 zł 2.39

$0.69 zł 2.71

-11.59%

Cigarettes 20 Pack (Marlboro, Camel)

$4.46 zł 17.46

$6.15 zł 24.08

-27.48%

Wine (Bottle)

$6.58 zł 25.76

$6.20 zł 24.25

6.13%

Local Beer (0.5 liter bottle)

$1.09 zł 4.27

$1.09 zł 4.28

Imported Beer (0.33 liter bottle)

$1.54 zł 6.04

$1.70 zł 6.63

-9.41%

One-way Ticket (Public Transport)

$1.09 zł 4.25

$1.13 zł 4.42

-3.54%

Public Transport Monthly Pass (Regular Price)

$29.61 zł 116

$27.41 zł 107

8.03%

Taxi Start (Normal Tariff)

$2.02 zł 7.90

$2.57 zł 10.05

-21.40%

Taxi (Normal Tariff) (1km)

$0.79 zł 3.09

$1.30 zł 5.07

-39.23%

Taxi 1hour Waiting (Normal Tariff)

$10.30 zł 40.29

$12.56 zł 49.11

-17.99%

Gasoline (1 liter)

$1.66 zł 6.51

$1.73 zł 6.78

-4.05%

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

$30.0K zł 117.2K

$30.0K zł 117.4K

-0.15%

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

$28.2K zł 110.3K

$30.4K zł 118.8K

-7.14%

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

$288 zł 1,127

$329 zł 1,286

-12.42%

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

$8.49 zł 33.21

$9.08 zł 35.50

-6.50%

Internet (50+ Mbps, Unlimited Data)

$17.46 zł 68.3

$16.00 zł 62.6

9.13%

Gym Membership (Monthly)

$38.58 zł 151

$46.70 zł 183

-17.39%

Tennis Court (1 Hour on Weekend)

$22.18 zł 86.7

$27.92 zł 109

-20.56%

Cinema Ticket

$7.71 zł 30.17

$8.80 zł 34.43

-12.39%

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

$369 zł 1,443

$592 zł 2,316

-37.70%

International Primary School, 1 Child (Yearly)

$8,042 zł 31.5K

$18.2K zł 71.2K

-55.83%

Jeans (Levis 501 Or Similar)

$81.3 zł 318

$105 zł 411

-22.60%

Summer Dress (H&M, Zara, etc)

$37.71 zł 147

$38.96 zł 152

-3.21%

Sport Shoes (Adidas, Nike)

$89.6 zł 350

$108 zł 422

-16.96%

Men's Leather Business Shoes

$101 zł 396

$112 zł 439

-9.70%

1-bedroom Apartment, City Center (Monthly)

$602 zł 2,353

$1,150 zł 4,497

-47.67%

1-bedroom Apartment, Outside City Center (Monthly)

$524 zł 2,051

$910 zł 3,560

-42.38%

3-bedroom Apartment, City Center (Monthly)

$965 zł 3,773

$2,144 zł 8,385

-55.01%

3-bedroom Apartment, Outside City Center (Monthly)

$815 zł 3,188

$1,456 zł 5,694

-44.01%

Buy Apartment in City Center (m2)

$2,880 zł 11.3K

$6,018 zł 23.5K

-52.14%

Buy Apartment Outside City Center (m2)

$2,216 zł 8,666

$3,852 zł 15.1K

-42.49%

Average Monthly Net Salary (After Tax)

$1,246 zł 4,872

$2,052 zł 8,025

-39.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.74

6.68

0.90%

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

Last update for Kartuzy: 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

Kartuzy

$524 36.1%

Warsaw

$910 45.6% 73.6% $386

Monthly Utilities & Internet

Kartuzy

$314 21.6%

Warsaw

$354 17.7% 12.7% $40

Groceries & Markets

Kartuzy

$207 14.3%

Warsaw

$236 11.8% 13.9% $29

Eating Out

Kartuzy

$175 12%

Warsaw

$226 11.3% 28.9% $51

Clothing & Footwear

Kartuzy

$139 9.6%

Warsaw

$164 8.2% 17.5% $24

Sport & Entertainment

Kartuzy

$54 3.7%

Warsaw

$64 3.2% 19.1% $10

Getting Around

Kartuzy

$40 2.8%

Warsaw

$41 2.1% 2.7% $1.1

Cost Breakdown

A central one-bedroom costs $602 in Kartuzy versus $1,150 in Warsaw. 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 65% higher in Warsaw. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $43 in Kartuzy versus $62 in Warsaw. Monthly groceries follow the same trend: $207 vs $236 – making Kartuzy the more affordable choice for daily food spending.

Good to know

🇵🇱 Kartuzy

🇵🇱 Warsaw

🕒 Local time

23:23 11:23 PM

Same time as Kartuzy

🌤 Weather

👥 Population

14,186

1,861,599 Capital

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

Exchange rates and currency converter

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Kartuzy Warsaw 300 km

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Kartuzy
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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

Kartuzy vs Warsaw: Cost of Living - Frequently Asked Questions

Warsaw costs about 37% more than Kartuzy, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,181 per month in Kartuzy and $2,992 in Warsaw. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kartuzy, especially for central apartments: a one-bedroom in the center costs $602 there versus $1,150 in Warsaw.

Kindergarten costs $369 per month in Kartuzy and $592 in Warsaw. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 14% more in Warsaw, though the gap depends on what you buy.

$1,000 is a stretch for both – monthly costs hit $1,454 in Kartuzy and $1,995 in Warsaw. You’ll need shared housing and careful budgeting no matter which city you pick.

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

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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