Last update: Oct 2026

Cost of Living Comparison Between Kielce and Warsaw

For one person, living is cheaper in Kielce: $1,403 a month against $2,032 in Warsaw, rent and utilities included – about $7,500 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Kielce
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Kielce Living Index
99

Cost of Living Index in Warsaw
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Warsaw Living Index

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Kielce

🇵🇱 Poland

$1,403

/mo nomad

Warsaw

🇵🇱 Poland

$2,032

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,403 in Kielce versus $2,032 in Warsaw.

Kielce $1,403
Warsaw $2,032

Estimated couple costs with rent: $1,984 in Kielce versus $2,918 in Warsaw.

Kielce $1,984
Warsaw $2,918

Monthly costs for a family of three with rent: $2,565 in Kielce versus $3,804 in Warsaw.

Kielce $2,565
Warsaw $3,804

Living in Kielce costs roughly 31% less than in Warsaw, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Kielce 4% above, Warsaw 50% above.

Meal at Budget Restaurant

$11.28 zł 43.84

$11.51 zł 44.72

-2.00%

Three-Course Dinner for Two, Mid-Range

$38.33 zł 149

$60.6 zł 236

-36.78%

Fast Food Meal (McDonalds, etc)

$7.60 zł 29.54

$10.00 zł 38.87

-24.00%

Cappuccino

$2.97 zł 11.55

$4.17 zł 16.22

-28.78%

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

$1.47 zł 5.73

$2.27 zł 8.81

-35.24%

Water (0.33 liter bottle)

$1.08 zł 4.18

$2.21 zł 8.61

-51.13%

Local Beer (0.5 liter draught)

$3.35 zł 13.02

$4.60 zł 17.87

-27.17%

Imported Beer (0.33 liter bottle)

$3.73 zł 14.49

$5.01 zł 19.47

-25.55%

Milk (1 liter)

$1.04 zł 4.05

$1.05 zł 4.07

-0.95%

White Bread (500g)

$1.44 zł 5.58

$1.52 zł 5.90

-5.26%

Rice (white) (1kg)

$1.14 zł 4.45

$1.54 zł 6.00

-25.97%

Eggs

$3.24 zł 12.58

$3.76 zł 14.60

-13.83%

Local Cheese (1kg)

$7.13 zł 27.71

$8.55 zł 33.22

-16.61%

Chicken Fillets (1kg)

$6.38 zł 24.77

$6.29 zł 24.43

1.43%

Beef Round Steak (1kg)

$8.93 zł 34.68

$14.54 zł 56.5

-38.58%

Apples (1kg)

$0.93 zł 3.61

$1.17 zł 4.55

-20.51%

Banana (1kg)

$1.58 zł 6.15

$1.73 zł 6.73

-8.67%

Oranges (1kg)

$1.30 zł 5.06

$1.71 zł 6.66

-23.98%

Tomato (1kg)

$2.37 zł 9.20

$4.04 zł 15.71

-41.34%

Potato (1kg)

$0.69 zł 2.68

$0.91 zł 3.53

-24.18%

Onion (1kg)

$0.76 zł 2.94

$0.86 zł 3.34

-11.63%

Lettuce (1 head)

$1.04 zł 4.03

$1.39 zł 5.39

-25.18%

Water (1.5 liter bottle)

$0.70 zł 2.70

$0.69 zł 2.67

1.45%

Cigarettes 20 Pack (Marlboro, Camel)

$5.05 zł 19.61

$6.19 zł 24.04

-18.42%

Wine (Bottle)

$6.83 zł 26.54

$6.46 zł 25.10

5.73%

Local Beer (0.5 liter bottle)

$1.22 zł 4.75

$1.10 zł 4.28

10.91%

Imported Beer (0.33 liter bottle)

$1.44 zł 5.61

$1.63 zł 6.35

-11.66%

One-way Ticket (Public Transport)

$1.04 zł 4.03

$1.11 zł 4.31

-6.31%

Public Transport Monthly Pass (Regular Price)

$30.77 zł 120

$28.52 zł 111

7.89%

Taxi Start (Normal Tariff)

$1.79 zł 6.96

$2.47 zł 9.58

-27.53%

Taxi (Normal Tariff) (1km)

$1.04 zł 4.03

$1.31 zł 5.08

-20.61%

Taxi 1hour Waiting (Normal Tariff)

$10.78 zł 41.87

$12.87 zł 50.0

-16.24%

Gasoline (1 liter)

$1.60 zł 6.23

$1.75 zł 6.80

-8.57%

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

$30.5K zł 118.5K

$30.7K zł 119.4K

-0.70%

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

$26.7K zł 103.6K

$30.8K zł 119.5K

-13.30%

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

$228 zł 886

$341 zł 1,324

-33.09%

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

$8.12 zł 31.56

$9.00 zł 34.95

-9.78%

Internet (50+ Mbps, Unlimited Data)

$14.81 zł 57.5

$16.19 zł 62.9

-8.52%

Gym Membership (Monthly)

$38.72 zł 150

$45.81 zł 178

-15.48%

Tennis Court (1 Hour on Weekend)

$18.44 zł 71.7

$27.81 zł 108

-33.69%

Cinema Ticket

$7.51 zł 29.16

$9.04 zł 35.12

-16.92%

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

$259 zł 1,007

$594 zł 2,306

-56.32%

International Primary School, 1 Child (Yearly)

$7,977 zł 31.0K

$14.3K zł 55.6K

-44.29%

Jeans (Levis 501 Or Similar)

$71.1 zł 276

$109 zł 424

-34.83%

Summer Dress (H&M, Zara, etc)

$35.23 zł 137

$40.12 zł 156

-12.19%

Sport Shoes (Adidas, Nike)

$76.0 zł 295

$104 zł 405

-27.12%

Men's Leather Business Shoes

$103 zł 401

$111 zł 431

-6.89%

1-bedroom Apartment, City Center (Monthly)

$713 zł 2,769

$1,181 zł 4,587

-39.63%

1-bedroom Apartment, Outside City Center (Monthly)

$552 zł 2,146

$942 zł 3,659

-41.36%

3-bedroom Apartment, City Center (Monthly)

$965 zł 3,749

$2,074 zł 8,056

-53.46%

3-bedroom Apartment, Outside City Center (Monthly)

$800 zł 3,107

$1,533 zł 5,958

-47.85%

Buy Apartment in City Center (m2)

$3,108 zł 12.1K

$5,932 zł 23.0K

-47.61%

Buy Apartment Outside City Center (m2)

$2,418 zł 9,396

$3,836 zł 14.9K

-36.95%

Average Monthly Net Salary (After Tax)

$1,336 zł 5,190

$2,049 zł 7,959

-34.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

6.68

-3.89%

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

Last update for Kielce: October 11, 2026

Last update for Warsaw: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Kielce

$552 39.4%

Warsaw

$942 46.4% 70.5% $390

Monthly Utilities & Internet

Kielce

$251 17.9%

Warsaw

$366 18% 45.8% $115

Groceries & Markets

Kielce

$192 13.7%

Warsaw

$231 11.4% 20% $39

Eating Out

Kielce

$183 13.1%

Warsaw

$223 11% 21.8% $40

Clothing & Footwear

Kielce

$129 9.2%

Warsaw

$164 8.1% 27.6% $35

Sport & Entertainment

Kielce

$54 3.8%

Warsaw

$64 3.1% 18.9% $10

Getting Around

Kielce

$42 3%

Warsaw

$42 2.1% 0.1% $0.1

Cost Breakdown

A one-bedroom apartment in the center runs $713 in Kielce and $1,181 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 53% 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: $38.00 in Kielce vs $61.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $192 vs $231 per month, with Kielce cheaper across the board.

Good to know

🇵🇱 Kielce

🇵🇱 Warsaw

🕒 Local time

18:31 6:31 PM

Same time as Kielce

🌤 Weather

👥 Population

192,468

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

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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 Warsaw: Cost of Living - Frequently Asked Questions

Kielce is cheaper overall, especially in groceries, eating out, and clothing. The 45% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 53% 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: $713 in Kielce versus $1,181 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,403 per month in Kielce versus $2,032 in Warsaw – a 45% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kielce runs roughly 8% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,403 in Kielce versus $2,032 in Warsaw, a $1,500 budget is realistic in Kielce but tight or insufficient in Warsaw. The gap between the two cities makes Kielce the clear choice for anyone on this budget.

For families, Kielce is more practical. Housing and childcare are both notably cheaper than in Warsaw, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kielce 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 Kielce gentler on the wallet – expenses run 45% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.