Last update: Oct 2026

Cost of Living Comparison Between Kotka and Swindon

For one person, living is cheaper in Kotka: $1,629 a month against $2,418 in Swindon, rent and utilities included – about $9,500 less a year. Rent and utilities account for most of the difference.

80

Cost of Living Index in Kotka
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Kotka Living Index
117

Cost of Living Index in Swindon
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Swindon Living Index

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Kotka

🇫🇮 Finland

$1,629

/mo nomad

Swindon

🇬🇧 United Kingdom

$2,418

/mo nomad

Monthly Cost of Living

How much you'll spend in Kotka and in Swindon

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

A single person spends $1,629 per month in Kotka vs $2,418 in Swindon, rent included.

Kotka $1,629
Swindon $2,418

A couple spends around $2,526 per month in Kotka vs $3,416 in Swindon, rent included.

Kotka $2,526
Swindon $3,416

A family of three spends $3,423 per month in Kotka vs $4,413 in Swindon, rent included.

Kotka $3,423
Swindon $4,413

Kotka is about 33% cheaper than Swindon, and outside of rent the biggest gap is in transport.

Both Kotka and Swindon sit above the global median – Kotka by 21%, Swindon by 79%.

Meal at Budget Restaurant

$16.12 €14.34

$20.13 £15.10

-19.92%

Three-Course Dinner for Two, Mid-Range

$81.9 €72.8

$62.4 £46.79

31.30%

Fast Food Meal (McDonalds, etc)

$11.01 €9.80

$10.61 £7.96

3.77%

Cappuccino

$4.45 €3.95

$4.79 £3.60

-7.10%

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

$1.78 €1.58

$2.55 £1.92

-30.20%

Water (0.33 liter bottle)

$1.21 €1.08

$1.59 £1.19

-23.90%

Local Beer (0.5 liter draught)

$6.53 €5.81

$5.58 £4.18

17.03%

Imported Beer (0.33 liter bottle)

$9.65 €8.58

$4.54 £3.41

112.56%

Milk (1 liter)

$1.02 €0.91

$1.50 £1.12

-32.00%

White Bread (500g)

$2.24 €1.99

$1.66 £1.25

34.94%

Rice (white) (1kg)

$2.76 €2.46

$1.77 £1.33

55.93%

Eggs

$2.95 €2.62

$4.42 £3.31

-33.26%

Local Cheese (1kg)

$7.54 €6.71

$8.20 £6.15

-8.05%

Chicken Fillets (1kg)

$12.31 €10.95

$9.13 £6.85

34.83%

Beef Round Steak (1kg)

$18.54 €16.49

$12.98 £9.74

42.84%

Apples (1kg)

$2.79 €2.48

$3.02 £2.27

-7.62%

Banana (1kg)

$2.07 €1.84

$1.73 £1.30

19.65%

Oranges (1kg)

$2.28 €2.03

$2.68 £2.01

-14.93%

Tomato (1kg)

$4.31 €3.84

$4.02 £3.01

7.21%

Potato (1kg)

$1.10 €0.98

$2.02 £1.51

-45.54%

Onion (1kg)

$1.54 €1.37

$1.44 £1.08

6.94%

Lettuce (1 head)

$1.94 €1.72

$1.21 £0.91

60.33%

Water (1.5 liter bottle)

$1.09 €0.97

$1.76 £1.32

-38.07%

Cigarettes 20 Pack (Marlboro, Camel)

$10.50 €9.34

$23.20 £17.40

-54.74%

Wine (Bottle)

$14.87 €13.23

$10.52 £7.89

41.35%

Local Beer (0.5 liter bottle)

$1.87 €1.66

$2.87 £2.15

-34.84%

Imported Beer (0.33 liter bottle)

$2.84 €2.53

$3.58 £2.69

-20.67%

One-way Ticket (Public Transport)

$4.37 €3.88

$3.23 £2.42

35.29%

Public Transport Monthly Pass (Regular Price)

$57.6 €51.2

$90.4 £67.8

-36.30%

Taxi Start (Normal Tariff)

$6.33 €5.63

$3.38 £2.53

87.28%

Taxi (Normal Tariff) (1km)

$1.55 €1.38

$1.65 £1.24

-6.06%

Taxi 1hour Waiting (Normal Tariff)

$65.8 €58.5

$21.05 £15.79

212.35%

Gasoline (1 liter)

$2.04 €1.82

$2.08 £1.56

-1.92%

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

$36.8K €32.8K

$37.6K £28.2K

-2.09%

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

$37.2K €33.1K

$40.7K £30.5K

-8.46%

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

$132 €118

$323 £242

-59.07%

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

$28.71 €25.54

$15.61 £11.71

83.92%

Internet (50+ Mbps, Unlimited Data)

$21.89 €19.47

$38.72 £29.05

-43.47%

Gym Membership (Monthly)

$38.47 €34.22

$36.80 £27.61

4.54%

Tennis Court (1 Hour on Weekend)

$18.09 €16.09

$23.06 £17.30

-21.55%

Cinema Ticket

$15.64 €13.91

$13.90 £10.43

12.52%

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

$313 €279

$1,194 £896

-73.77%

International Primary School, 1 Child (Yearly)

$7,177 €6,384

$5,302 £3,978

35.36%

Jeans (Levis 501 Or Similar)

$93.2 €82.9

$88.8 £66.6

4.91%

Summer Dress (H&M, Zara, etc)

$40.33 €35.87

$44.59 £33.45

-9.55%

Sport Shoes (Adidas, Nike)

$103 €91.2

$82.2 £61.7

24.74%

Men's Leather Business Shoes

$44.38 €39.48

$87.3 £65.5

-49.14%

1-bedroom Apartment, City Center (Monthly)

$693 €617

$1,218 £913

-43.05%

1-bedroom Apartment, Outside City Center (Monthly)

$558 €496

$1,121 £841

-50.27%

3-bedroom Apartment, City Center (Monthly)

$1,148 €1,021

$1,919 £1,440

-40.17%

3-bedroom Apartment, Outside City Center (Monthly)

$871 €775

$1,712 £1,284

-49.13%

Buy Apartment in City Center (m2)

$2,169 €1,929

$2,672 £2,005

-18.83%

Buy Apartment Outside City Center (m2)

$1,418 €1,261

$3,110 £2,333

-54.42%

Average Monthly Net Salary (After Tax)

$3,097 €2,755

$2,937 £2,203

5.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.2

4.87

-34.29%

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

Last update for Kotka: October 12, 2026

Last update for Swindon: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Kotka

$557 34.2%

Swindon

$1.1K 46.4% 101% $564

Groceries & Markets

Kotka

$324 19.9%

Swindon

$299 12.4% 7.7% $25

Eating Out

Kotka

$279 17.1%

Swindon

$304 12.6% 8.8% $25

Monthly Utilities & Internet

Kotka

$183 11.2%

Swindon

$378 15.6% 106% $195

Clothing & Footwear

Kotka

$126 7.8%

Swindon

$136 5.6% 8% $10

Getting Around

Kotka

$89 5.5%

Swindon

$115 4.8% 28.9% $26

Sport & Entertainment

Kotka

$70 4.3%

Swindon

$65 2.7% 7.4% $5.2

Cost Breakdown

A central one-bedroom costs $693 in Kotka versus $1,218 in Swindon. 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 5% higher in Kotka, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $82.0 in Kotka versus $62.0 in Swindon. Monthly groceries follow the same trend: $324 vs $299 – making Swindon the more affordable choice for daily food spending.

Good to know

🇫🇮 Kotka

🇬🇧 Swindon

🕒 Local time

07:16 7:16 AM

05:16 5:16 AM

2 h behind Kotka

🌤 Weather

👥 Population

50,488

183,638

💱 Currency

Euro EUR €

British Pound GBP £

📈 Exchange rate

1 EUR = 1.12 USD

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

Exchange rates and currency converter

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Between locations

Kotka Swindon 2,020 km ≈ 3 h nonstop flight

From you

Kotka
Swindon

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

Kotka vs Swindon: Cost of Living - Frequently Asked Questions

Yes – Swindon is pricier by about 48%, and outside of rent the gap shows up most in transport.

For a comfortable life, plan on about $2,444 per month in Kotka and $3,627 in Swindon. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kotka, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $82.0 in Kotka and $62.0 in Swindon. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,629 in Kotka and $2,418 in Swindon. That's a gap of about 48%.

A $2,500 monthly budget goes further in Kotka, where all-in costs run around $1,629, than in Swindon at $2,418. In Kotka it covers expenses comfortably, while in Swindon it requires careful planning or may not stretch far enough.

Families tend to lean toward Kotka – 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 Kotka. If higher salaries, better infrastructure, or specific career opportunities are the priority, Swindon makes more sense. Both are solid long-term options with distinct trade-offs.