Last update: Oct 2026

Cost of Living Comparison Between Koszalin and Warsaw

For one person, living is cheaper in Koszalin: $1,285 a month against $2,031 in Warsaw, rent and utilities included – about $9,000 less a year. Rent and utilities account for most of the difference.

62

Cost of Living Index in Koszalin
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Koszalin Living Index
97

Cost of Living Index in Warsaw
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Warsaw Living Index

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Koszalin

🇵🇱 Poland

$1,285

/mo nomad

Warsaw

🇵🇱 Poland

$2,031

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,285 in Koszalin versus $2,031 in Warsaw.

Koszalin $1,285
Warsaw $2,031

Estimated couple costs with rent: $1,906 in Koszalin versus $2,883 in Warsaw.

Koszalin $1,906
Warsaw $2,883

Monthly costs for a family of three with rent: $2,527 in Koszalin versus $3,735 in Warsaw.

Koszalin $2,527
Warsaw $3,735

Living in Koszalin costs roughly 37% less than in Warsaw, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Koszalin is 6% below, Warsaw is 49% above.

Meal at Budget Restaurant

$8.34 zł 32.87

$11.51 zł 45.40

-27.54%

Three-Course Dinner for Two, Mid-Range

$38.69 zł 153

$60.0 zł 236

-35.47%

Fast Food Meal (McDonalds, etc)

$8.79 zł 34.68

$10.17 zł 40.11

-13.57%

Cappuccino

$2.89 zł 11.39

$4.26 zł 16.80

-32.16%

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

$1.63 zł 6.41

$2.22 zł 8.75

-26.58%

Water (0.33 liter bottle)

$1.25 zł 4.93

$2.20 zł 8.66

-43.18%

Local Beer (0.5 liter draught)

$3.88 zł 15.30

$4.67 zł 18.42

-16.92%

Imported Beer (0.33 liter bottle)

$2.59 zł 10.23

$5.10 zł 20.09

-49.22%

Milk (1 liter)

$0.91 zł 3.60

$1.04 zł 4.09

-12.50%

White Bread (500g)

$1.13 zł 4.45

$1.49 zł 5.89

-24.16%

Rice (white) (1kg)

$0.79 zł 3.11

$1.55 zł 6.11

-49.03%

Eggs

$2.87 zł 11.34

$3.84 zł 15.15

-25.26%

Local Cheese (1kg)

$8.58 zł 33.82

$8.98 zł 35.41

-4.45%

Chicken Fillets (1kg)

$6.49 zł 25.59

$6.41 zł 25.26

1.25%

Beef Round Steak (1kg)

$9.13 zł 35.99

$14.32 zł 56.5

-36.24%

Apples (1kg)

$0.82 zł 3.22

$1.16 zł 4.59

-29.31%

Banana (1kg)

$1.11 zł 4.39

$1.71 zł 6.74

-35.09%

Oranges (1kg)

$1.75 zł 6.92

$1.67 zł 6.57

4.79%

Tomato (1kg)

$2.24 zł 8.82

$4.07 zł 16.04

-44.96%

Potato (1kg)

$0.60 zł 2.38

$0.91 zł 3.60

-34.07%

Onion (1kg)

$0.79 zł 3.11

$0.91 zł 3.61

-13.19%

Lettuce (1 head)

$0.91 zł 3.59

$1.45 zł 5.74

-37.24%

Water (1.5 liter bottle)

$0.53 zł 2.10

$0.64 zł 2.53

-17.19%

Cigarettes 20 Pack (Marlboro, Camel)

$4.82 zł 18.99

$6.28 zł 24.78

-23.25%

Wine (Bottle)

$6.16 zł 24.29

$6.49 zł 25.57

-5.08%

Local Beer (0.5 liter bottle)

$1.09 zł 4.29

$1.10 zł 4.35

-0.91%

Imported Beer (0.33 liter bottle)

$1.38 zł 5.43

$1.73 zł 6.81

-20.23%

One-way Ticket (Public Transport)

$1.05 zł 4.12

$1.13 zł 4.46

-7.08%

Public Transport Monthly Pass (Regular Price)

$27.89 zł 110

$27.61 zł 109

1.01%

Taxi Start (Normal Tariff)

$2.07 zł 8.16

$2.62 zł 10.31

-20.99%

Taxi (Normal Tariff) (1km)

$0.67 zł 2.65

$1.23 zł 4.86

-45.53%

Taxi 1hour Waiting (Normal Tariff)

$8.87 zł 34.98

$12.79 zł 50.4

-30.65%

Gasoline (1 liter)

$1.57 zł 6.20

$1.69 zł 6.65

-7.10%

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

$29.7K zł 117.1K

$30.9K zł 121.7K

-3.84%

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

$27.8K zł 109.7K

$29.5K zł 116.3K

-5.72%

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

$292 zł 1,153

$345 zł 1,360

-15.19%

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

$10.32 zł 40.70

$8.92 zł 35.17

15.70%

Internet (50+ Mbps, Unlimited Data)

$17.17 zł 67.7

$15.86 zł 62.5

8.26%

Gym Membership (Monthly)

$35.21 zł 139

$46.80 zł 185

-24.76%

Tennis Court (1 Hour on Weekend)

$27.37 zł 108

Cinema Ticket

$7.81 zł 30.79

$8.94 zł 35.26

-12.64%

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

$522 zł 2,057

$592 zł 2,333

-11.83%

International Primary School, 1 Child (Yearly)

$7,944 zł 31.3K

$14.6K zł 57.8K

-45.76%

Jeans (Levis 501 Or Similar)

$86.2 zł 340

$105 zł 415

-18.00%

Summer Dress (H&M, Zara, etc)

$47.55 zł 187

$39.69 zł 157

19.80%

Sport Shoes (Adidas, Nike)

$92.4 zł 364

$104 zł 408

-10.77%

Men's Leather Business Shoes

$100 zł 395

$111 zł 438

-9.85%

1-bedroom Apartment, City Center (Monthly)

$638 zł 2,514

$1,136 zł 4,478

-43.86%

1-bedroom Apartment, Outside City Center (Monthly)

$382 zł 1,508

$938 zł 3,698

-59.23%

3-bedroom Apartment, City Center (Monthly)

$1,025 zł 4,042

$2,147 zł 8,465

-52.25%

3-bedroom Apartment, Outside City Center (Monthly)

$747 zł 2,945

$1,463 zł 5,771

-48.97%

Buy Apartment in City Center (m2)

$2,130 zł 8,398

$5,917 zł 23.3K

-64.01%

Buy Apartment Outside City Center (m2)

$3,905 zł 15.4K

Average Monthly Net Salary (After Tax)

$1,234 zł 4,865

$2,097 zł 8,268

-41.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

6.69

-0.30%

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

Last update for Koszalin: October 25, 2026

Last update for Warsaw: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Koszalin

$382 29.8%

Warsaw

$938 46.2% 145% $555

Monthly Utilities & Internet

Koszalin

$320 24.9%

Warsaw

$370 18.2% 15.5% $50

Groceries & Markets

Koszalin

$184 14.3%

Warsaw

$232 11.4% 26.4% $48

Eating Out

Koszalin

$164 12.8%

Warsaw

$225 11.1% 37.3% $61

Clothing & Footwear

Koszalin

$147 11.4%

Warsaw

$162 8% 10.2% $15

Sport & Entertainment

Koszalin

$51 4%

Warsaw

$65 3.2% 27.3% $14

Getting Around

Koszalin

$38 2.9%

Warsaw

$41 2% 9.1% $3.4

Cost Breakdown

A one-bedroom apartment in the center runs $638 in Koszalin and $1,136 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 70% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $39 in Koszalin vs $60 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $184 vs $232 per month, with Koszalin cheaper across the board.

Good to know

🇵🇱 Koszalin

🇵🇱 Warsaw

🕒 Local time

20:47 8:47 PM

Same time as Koszalin

🌤 Weather

👥 Population

105,143

1,861,599 Capital

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.254 USD

1 PLN = 0.226 EUR

1 PLN = 0.254 USD

1 PLN = 0.226 EUR

Exchange rates and currency converter

On the map

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Between locations

Koszalin Warsaw 390 km

From you

Koszalin
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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

Koszalin vs Warsaw: Cost of Living - Frequently Asked Questions

Koszalin is about 37% cheaper overall, especially in eating out, groceries, and clothing. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 41% lower in Koszalin. 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: $638 in Koszalin versus $1,136 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $522 in Koszalin versus $592 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Koszalin – a meal for two runs $39 versus $60 in Warsaw. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,285 in Koszalin versus $2,031 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 both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Koszalin wins on affordability, Warsaw on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.