Cost of Living Comparison Between Koszalin and Warsaw Cost of Living Comparison Between Koszalin and Warsaw

Monthly Cost of Living

Monthly costs for one person with rent: $1,336 in Koszalin versus $2,006 in Warsaw.

Estimated couple costs with rent: $1,983 in Koszalin versus $2,899 in Warsaw.

Monthly costs for a family of three with rent: $2,629 in Koszalin versus $3,792 in Warsaw.

Living in Koszalin costs roughly 33% less than in Warsaw, driven mainly by Groceries & Markets.

The two cities straddle the global median: Koszalin is 1% below, Warsaw is 49% above.

Meal at Budget Restaurant

$8.32 zł 30.41

$10.90 zł 39.84

-23.67%

Three-Course Dinner for Two, Mid-Range

$40.45 zł 148

$56.5 zł 206

-28.38%

Fast Food Meal (McDonalds, etc)

$8.74 zł 31.94

$9.68 zł 35.38

-9.71%

Cappuccino

$3.19 zł 11.67

$4.28 zł 15.63

-25.47%

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

$1.76 zł 6.45

$2.14 zł 7.83

-17.76%

Water (0.33 liter bottle)

$1.39 zł 5.07

$1.83 zł 6.68

-24.04%

Local Beer (0.5 liter draught)

$4.17 zł 15.25

$4.51 zł 16.48

-7.54%

Imported Beer (0.33 liter bottle)

$2.19 zł 8.01

$4.70 zł 17.18

-53.40%

Milk (1 liter)

$1.04 zł 3.80

$1.20 zł 4.37

-13.33%

White Bread (500g)

$1.00 zł 3.65

$1.35 zł 4.93

-25.93%

Rice (white) (1kg)

$0.84 zł 3.08

$1.79 zł 6.53

-53.07%

Eggs

$3.09 zł 11.30

$3.52 zł 12.85

-12.22%

Local Cheese (1kg)

$8.74 zł 31.96

$10.08 zł 36.83

-13.29%

Chicken Fillets (1kg)

$6.72 zł 24.55

$6.96 zł 25.45

-3.45%

Beef Round Steak (1kg)

$10.00 zł 36.56

$14.28 zł 52.2

-29.97%

Apples (1kg)

$0.85 zł 3.09

$1.29 zł 4.72

-34.11%

Banana (1kg)

$0.97 zł 3.55

$1.86 zł 6.81

-47.85%

Oranges (1kg)

$1.94 zł 7.11

$1.96 zł 7.16

-1.02%

Tomato (1kg)

$2.42 zł 8.84

$3.61 zł 13.19

-32.96%

Potato (1kg)

$0.66 zł 2.41

$1.09 zł 3.97

-39.45%

Onion (1kg)

$0.77 zł 2.83

$1.18 zł 4.31

-34.75%

Lettuce (1 head)

$0.91 zł 3.33

$1.51 zł 5.52

-39.74%

Water (1.5 liter bottle)

$0.49 zł 1.78

$0.67 zł 2.46

-26.87%

Cigarettes 20 Pack (Marlboro, Camel)

$5.14 zł 18.77

$5.35 zł 19.56

-3.93%

Wine (Bottle)

$6.96 zł 25.45

$8.27 zł 30.21

-15.84%

Local Beer (0.5 liter bottle)

$0.92 zł 3.37

$1.36 zł 4.98

-32.35%

Imported Beer (0.33 liter bottle)

$1.39 zł 5.07

$1.94 zł 7.10

-28.35%

One-way Ticket (Public Transport)

$1.07 zł 3.93

$1.22 zł 4.44

-12.30%

Public Transport Monthly Pass (Regular Price)

$29.14 zł 107

$29.89 zł 109

-2.51%

Taxi Start (Normal Tariff)

$2.19 zł 8.00

$2.69 zł 9.83

-18.59%

Taxi (Normal Tariff) (1km)

$0.62 zł 2.28

$1.02 zł 3.72

-39.22%

Taxi 1hour Waiting (Normal Tariff)

$9.30 zł 33.98

$13.84 zł 50.6

-32.80%

Gasoline (1 liter)

$1.69 zł 6.19

$1.75 zł 6.40

-3.43%

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

$32.0K zł 117.0K

$32.6K zł 119.3K

-1.98%

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

$30.0K zł 109.6K

$33.4K zł 122.1K

-10.24%

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

$313 zł 1,146

$358 zł 1,308

-12.42%

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

$11.05 zł 40.37

$10.14 zł 37.06

8.97%

Internet (50+ Mbps, Unlimited Data)

$13.51 zł 49.39

$17.61 zł 64.4

-23.28%

Gym Membership (Monthly)

$36.71 zł 134

$44.24 zł 162

-17.02%

Tennis Court (1 Hour on Weekend)

$19.40 zł 70.9

$29.04 zł 106

-33.20%

Cinema Ticket

$6.88 zł 25.15

$9.78 zł 35.76

-29.65%

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

$378 zł 1,381

$570 zł 2,084

-33.75%

International Primary School, 1 Child (Yearly)

$7,705 zł 28.2K

$15.3K zł 56.0K

-49.74%

Jeans (Levis 501 Or Similar)

$86.4 zł 316

$97.9 zł 358

-11.81%

Summer Dress (H&M, Zara, etc)

$41.43 zł 151

$46.82 zł 171

-11.51%

Sport Shoes (Adidas, Nike)

$84.4 zł 309

$92.6 zł 338

-8.80%

Men's Leather Business Shoes

$87.3 zł 319

$110 zł 400

-20.30%

1-bedroom Apartment, City Center (Monthly)

$672 zł 2,457

$1,121 zł 4,097

-40.03%

1-bedroom Apartment, Outside City Center (Monthly)

$407 zł 1,489

$912 zł 3,333

-55.33%

3-bedroom Apartment, City Center (Monthly)

$1,066 zł 3,898

$2,032 zł 7,429

-47.53%

3-bedroom Apartment, Outside City Center (Monthly)

$829 zł 3,030

$1,536 zł 5,615

-46.04%

Buy Apartment in City Center (m2)

$2,274 zł 8,310

$6,351 zł 23.2K

-64.20%

Buy Apartment Outside City Center (m2)

$4,022 zł 14.7K

Average Monthly Net Salary (After Tax)

$1,308 zł 4,780

$2,257 zł 8,250

-42.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.9

7.55

-8.61%

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

Last update for Koszalin: June 8, 2026

Last update for Warsaw: June 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $672 in Koszalin and $1,121 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 73% 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: $40.00 in Koszalin vs $56.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $190 vs $245 per month, with Koszalin cheaper across the board.

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

Koszalin vs Warsaw: Cost of Living - Frequently Asked Questions

Koszalin is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around. The 50% gap adds up to real monthly savings that compound significantly over time.

On paper, Warsaw earns 73% less. 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: $672 in Koszalin versus $1,121 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 29% higher in Warsaw. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Koszalin – a meal for two runs $40.00 versus $56.0 in Warsaw. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,336 in Koszalin versus $2,006 in Warsaw, a $1,500 budget is realistic in Koszalin but tight or insufficient in Warsaw. The gap between the two cities makes Koszalin the clear choice for anyone on this budget.

For families, Koszalin 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, Koszalin 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 Koszalin gentler on the wallet – expenses run 50% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.