Cost of Living Comparison Between Krakow and Lomza Cost of Living Comparison Between Krakow and Lomza

Monthly Cost of Living

Monthly costs for one person with rent: $1,913 in Krakow versus $1,564 in Lomza.

Estimated couple costs with rent: $2,685 in Krakow versus $2,238 in Lomza.

Monthly costs for a family of three with rent: $3,458 in Krakow versus $2,912 in Lomza.

Living in Krakow is roughly 22% more expensive than in Lomza, driven mainly by Eating Out.

Both cities are pricier than the global median: Krakow 40% above, Lomza 14% above.

Meal at Budget Restaurant

$13.05 zł 49.53

$9.96 zł 37.80

31.02%

Three-Course Dinner for Two, Mid-Range

$53.7 zł 204

$48.24 zł 183

11.26%

Fast Food Meal (McDonalds, etc)

$9.96 zł 37.83

$9.43 zł 35.81

5.62%

Cappuccino

$4.34 zł 16.46

$3.83 zł 14.55

13.32%

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

$2.46 zł 9.34

$2.83 zł 10.74

-13.07%

Water (0.33 liter bottle)

$2.60 zł 9.86

$2.88 zł 10.95

-9.72%

Local Beer (0.5 liter draught)

$4.77 zł 18.10

$4.65 zł 17.65

2.58%

Imported Beer (0.33 liter bottle)

$4.25 zł 16.13

$5.34 zł 20.26

-20.41%

Milk (1 liter)

$1.17 zł 4.44

$1.01 zł 3.85

15.84%

White Bread (500g)

$1.60 zł 6.09

$1.10 zł 4.16

45.45%

Rice (white) (1kg)

$1.89 zł 7.18

$1.44 zł 5.47

31.25%

Eggs

$4.08 zł 15.48

$3.56 zł 13.51

14.61%

Local Cheese (1kg)

$9.54 zł 36.21

$10.92 zł 41.45

-12.64%

Chicken Fillets (1kg)

$8.23 zł 31.26

$7.34 zł 27.87

12.13%

Beef Round Steak (1kg)

$13.63 zł 51.7

$12.39 zł 47.05

10.01%

Apples (1kg)

$1.42 zł 5.38

$1.18 zł 4.47

20.34%

Banana (1kg)

$1.84 zł 6.99

$1.69 zł 6.42

8.88%

Oranges (1kg)

$1.78 zł 6.76

$2.42 zł 9.18

-26.45%

Tomato (1kg)

$3.17 zł 12.05

$3.12 zł 11.85

1.60%

Potato (1kg)

$0.95 zł 3.60

$0.86 zł 3.27

10.47%

Onion (1kg)

$1.09 zł 4.13

$0.97 zł 3.70

12.37%

Lettuce (1 head)

$1.38 zł 5.23

$1.38 zł 5.24

Water (1.5 liter bottle)

$0.85 zł 3.22

$0.62 zł 2.35

37.10%

Cigarettes 20 Pack (Marlboro, Camel)

$6.69 zł 25.40

$6.14 zł 23.31

8.96%

Wine (Bottle)

$6.59 zł 25.01

$6.77 zł 25.71

-2.66%

Local Beer (0.5 liter bottle)

$1.22 zł 4.61

$1.21 zł 4.60

0.83%

Imported Beer (0.33 liter bottle)

$1.69 zł 6.40

$1.74 zł 6.60

-2.87%

One-way Ticket (Public Transport)

$1.57 zł 5.96

$1.07 zł 4.06

46.73%

Public Transport Monthly Pass (Regular Price)

$35.26 zł 134

$28.65 zł 109

23.07%

Taxi Start (Normal Tariff)

$2.44 zł 9.26

$1.63 zł 6.19

49.69%

Taxi (Normal Tariff) (1km)

$1.03 zł 3.91

$0.60 zł 2.29

71.67%

Taxi 1hour Waiting (Normal Tariff)

$12.80 zł 48.60

$9.33 zł 35.42

37.19%

Gasoline (1 liter)

$1.65 zł 6.28

$1.62 zł 6.16

1.85%

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

$31.5K zł 119.5K

$32.4K zł 122.9K

-2.70%

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

$29.4K zł 111.8K

$28.5K zł 108.0K

3.48%

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

$342 zł 1,297

$325 zł 1,234

5.09%

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

$8.91 zł 33.83

$8.83 zł 33.51

0.91%

Internet (50+ Mbps, Unlimited Data)

$19.04 zł 72.3

$17.88 zł 67.9

6.49%

Gym Membership (Monthly)

$45.81 zł 174

$37.32 zł 142

22.75%

Tennis Court (1 Hour on Weekend)

$26.07 zł 99.0

$26.43 zł 100

-1.36%

Cinema Ticket

$9.06 zł 34.41

$8.05 zł 30.56

12.55%

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

$479 zł 1,820

$530 zł 2,012

-9.55%

International Primary School, 1 Child (Yearly)

$10.2K zł 38.7K

$10.9K zł 41.6K

-6.89%

Jeans (Levis 501 Or Similar)

$100.0 zł 379

$76.1 zł 289

31.41%

Summer Dress (H&M, Zara, etc)

$41.28 zł 157

$42.42 zł 161

-2.69%

Sport Shoes (Adidas, Nike)

$94.4 zł 358

$93.1 zł 353

1.35%

Men's Leather Business Shoes

$124 zł 470

$102 zł 388

21.25%

1-bedroom Apartment, City Center (Monthly)

$959 zł 3,642

$633 zł 2,405

51.46%

1-bedroom Apartment, Outside City Center (Monthly)

$774 zł 2,937

$515 zł 1,954

50.36%

3-bedroom Apartment, City Center (Monthly)

$1,526 zł 5,793

$1,017 zł 3,859

50.10%

3-bedroom Apartment, Outside City Center (Monthly)

$1,162 zł 4,410

$873 zł 3,315

33.01%

Buy Apartment in City Center (m2)

$5,810 zł 22.1K

$2,755 zł 10.5K

110.87%

Buy Apartment Outside City Center (m2)

$3,694 zł 14.0K

$2,543 zł 9,655

45.25%

Average Monthly Net Salary (After Tax)

$1,942 zł 7,373

20-Year Fixed Mortgage Interest Rate (Annual %)

6.64

6.87

-3.35%

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

Last update for Krakow: September 14, 2026

Last update for Lomza: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $959 in Krakow and $633 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $54.0 in Krakow vs $48.00 in Lomza for a mid-range dinner for two. Groceries echo the gap at $247 vs $230 per month, with Lomza 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

Krakow vs Lomza: Cost of Living - Frequently Asked Questions

Lomza wins on cost – living expenses run 22% lower than in Krakow. Housing and daily spending are where you'll feel the difference most, making Lomza the obvious pick if budget is a priority.

You'd need roughly $2,869 in Krakow and $2,347 in Lomza to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $959 in Krakow versus $633 in Lomza. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 7% higher in Krakow. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Lomza – a meal for two runs $48.00 versus $54.0 in Krakow. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,564 in Lomza versus $1,913 in Krakow, a $1,500 budget is realistic in Lomza but tight or insufficient in Krakow. The gap between the two cities makes Lomza the clear choice for anyone on this budget.

Both work as nomad bases, but Lomza delivers better value – similar infrastructure at $1,564 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Lomza hard to pass up.

Safety-wise, Krakow and Lomza 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 Lomza gentler on the wallet – expenses run 22% less than in Krakow. Beyond cost, consider language, visa policies, and how big the international community is in each city.