Last update: Oct 2026

Cost of Living Comparison Between Kielce and Banja Luka

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.

69

Cost of Living Index in Kielce
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Kielce Living Index
58

Cost of Living Index in Banja Luka
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Banja Luka Living Index

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Kielce

🇵🇱 Poland

$1,420

/mo nomad

Banja Luka

🇧🇦 Bosnia and Herzegovina

$1,200

/mo nomad

Monthly Cost of Living

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

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

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

Kielce $1,420
Banja Luka $1,200

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

Kielce $2,004
Banja Luka $1,829

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

Kielce $2,587
Banja Luka $2,458

Kielce costs about 18% more than Banja Luka, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$11.56 zł 44.93

$9.52 BAM 16.55

21.43%

Three-Course Dinner for Two, Mid-Range

$38.56 zł 150

$50.0 BAM 87.0

-22.94%

Fast Food Meal (McDonalds, etc)

$7.82 zł 30.38

$10.96 BAM 19.06

-28.65%

Cappuccino

$2.97 zł 11.52

$1.80 BAM 3.13

65.00%

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

$1.44 zł 5.59

$2.60 BAM 4.51

-44.62%

Water (0.33 liter bottle)

$1.14 zł 4.41

$1.62 BAM 2.81

-29.63%

Local Beer (0.5 liter draught)

$3.56 zł 13.82

$2.45 BAM 4.26

45.31%

Imported Beer (0.33 liter bottle)

$3.78 zł 14.67

$3.42 BAM 5.95

10.53%

Milk (1 liter)

$1.11 zł 4.30

$1.39 BAM 2.42

-20.14%

White Bread (500g)

$1.44 zł 5.61

$1.18 BAM 2.06

22.03%

Rice (white) (1kg)

$1.14 zł 4.41

$1.60 BAM 2.78

-28.75%

Eggs

$3.21 zł 12.47

$2.80 BAM 4.87

14.64%

Local Cheese (1kg)

$7.16 zł 27.80

$9.46 BAM 16.44

-24.31%

Chicken Fillets (1kg)

$6.58 zł 25.56

$8.83 BAM 15.36

-25.48%

Beef Round Steak (1kg)

$8.96 zł 34.83

$14.02 BAM 24.38

-36.09%

Apples (1kg)

$0.92 zł 3.56

$1.84 BAM 3.19

-50.00%

Banana (1kg)

$1.58 zł 6.16

$1.97 BAM 3.43

-19.80%

Oranges (1kg)

$1.27 zł 4.93

$2.22 BAM 3.87

-42.79%

Tomato (1kg)

$2.33 zł 9.04

$2.25 BAM 3.92

3.56%

Potato (1kg)

$0.66 zł 2.56

$1.03 BAM 1.79

-35.92%

Onion (1kg)

$0.83 zł 3.24

$1.37 BAM 2.38

-39.42%

Lettuce (1 head)

$1.01 zł 3.91

$1.19 BAM 2.07

-15.13%

Water (1.5 liter bottle)

$0.66 zł 2.55

$0.91 BAM 1.58

-27.47%

Cigarettes 20 Pack (Marlboro, Camel)

$5.16 zł 20.03

$3.98 BAM 6.91

29.65%

Wine (Bottle)

$7.24 zł 28.12

$8.31 BAM 14.44

-12.88%

Local Beer (0.5 liter bottle)

$1.23 zł 4.79

$0.97 BAM 1.68

26.80%

Imported Beer (0.33 liter bottle)

$1.52 zł 5.92

$1.35 BAM 2.35

12.59%

One-way Ticket (Public Transport)

$1.04 zł 4.06

$1.29 BAM 2.24

-19.38%

Public Transport Monthly Pass (Regular Price)

$30.90 zł 120

$44.41 BAM 77.2

-30.42%

Taxi Start (Normal Tariff)

$1.84 zł 7.17

$1.75 BAM 3.05

5.14%

Taxi (Normal Tariff) (1km)

$1.01 zł 3.93

$1.17 BAM 2.03

-13.68%

Taxi 1hour Waiting (Normal Tariff)

$10.93 zł 42.45

$17.47 BAM 30.38

-37.44%

Gasoline (1 liter)

$1.57 zł 6.10

$1.77 BAM 3.07

-11.30%

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

$31.3K zł 121.7K

$30.4K BAM 52.8K

3.17%

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

$27.4K zł 106.3K

$21.4K BAM 37.3K

27.55%

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

$234 zł 908

$157 BAM 273

48.82%

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

$8.24 zł 32.02

$16.19 BAM 28.15

-49.10%

Internet (50+ Mbps, Unlimited Data)

$14.92 zł 58.0

$37.07 BAM 64.5

-59.75%

Gym Membership (Monthly)

$38.61 zł 150

$38.44 BAM 66.9

0.44%

Tennis Court (1 Hour on Weekend)

$18.58 zł 72.2

$14.70 BAM 25.56

26.39%

Cinema Ticket

$7.85 zł 30.49

$5.77 BAM 10.04

36.05%

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

$264 zł 1,026

$294 BAM 511

-10.22%

International Primary School, 1 Child (Yearly)

$8,211 zł 31.9K

$3,564 BAM 6,197

130.38%

Jeans (Levis 501 Or Similar)

$73.0 zł 284

$82.3 BAM 143

-11.24%

Summer Dress (H&M, Zara, etc)

$36.43 zł 142

$35.34 BAM 61.5

3.08%

Sport Shoes (Adidas, Nike)

$76.0 zł 295

$104 BAM 181

-26.95%

Men's Leather Business Shoes

$104 zł 404

$144 BAM 251

-27.93%

1-bedroom Apartment, City Center (Monthly)

$723 zł 2,808

$468 BAM 813

54.50%

1-bedroom Apartment, Outside City Center (Monthly)

$555 zł 2,158

$306 BAM 533

81.29%

3-bedroom Apartment, City Center (Monthly)

$963 zł 3,742

$684 BAM 1,189

40.87%

3-bedroom Apartment, Outside City Center (Monthly)

$797 zł 3,096

$480 BAM 834

66.11%

Buy Apartment in City Center (m2)

$3,030 zł 11.8K

$2,865 BAM 4,982

5.77%

Buy Apartment Outside City Center (m2)

$2,491 zł 9,679

$1,870 BAM 3,253

33.19%

Average Monthly Net Salary (After Tax)

$1,335 zł 5,186

$872 BAM 1,516

53.10%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

4.44

44.59%

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

Last update for Kielce: October 17, 2026

Last update for Banja Luka: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Kielce

$555 39.1%

Banja Luka

$306 25.5% 44.8% $249

Monthly Utilities & Internet

Kielce

$257 18.1%

Banja Luka

$210 17.5% 18.1% $47

Groceries & Markets

Kielce

$194 13.7%

Banja Luka

$245 20.4% 26% $51

Eating Out

Kielce

$187 13.2%

Banja Luka

$167 13.9% 11% $21

Clothing & Footwear

Kielce

$130 9.2%

Banja Luka

$165 13.7% 26.4% $34

Sport & Entertainment

Kielce

$54 3.8%

Banja Luka

$50 4.2% 7.9% $4.3

Getting Around

Kielce

$42 3%

Banja Luka

$57 4.8% 36.2% $15

Cost Breakdown

A central one-bedroom costs $723 in Kielce versus $468 in Banja Luka. 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 $39.00 in Kielce versus $50.0 in Banja Luka. Monthly groceries follow the same trend: $194 vs $245 – making Kielce the more affordable choice for daily food spending.

Good to know

🇵🇱 Kielce

🇧🇦 Banja Luka

🕒 Local time

20:30 8:30 PM

Same time as Kielce

🌤 Weather

👥 Population

192,468

138,963

💱 Currency

Polish Złoty PLN zł

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 BAM = 0.575 USD

1 BAM = 0.512 EUR

Exchange rates and currency converter

BAM, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

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).

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).

USD to PLN in detail →

On the map

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Highest

Between locations

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

From you

Kielce
Banja Luka

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

Kielce vs Banja Luka: 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 $2,131 per month in Kielce and $1,800 in Banja Luka. 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 $39.00 in Kielce and $50.0 in Banja Luka. 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.