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: $1,773 in Krakow versus $1,440 in Lomza.

Estimated couple costs with rent: $2,539 in Krakow versus $2,091 in Lomza.

Monthly costs for a family of three with rent: $3,305 in Krakow versus $2,742 in Lomza.

Living in Krakow is roughly 23% more expensive than in Lomza, driven mainly by Eating Out.

Both cities are pricier than the global median: Krakow 33% above, Lomza 8% above.

Meal at Budget Restaurant

$10.91 zł 41.39

$9.52 zł 36.14

14.60%

Three-Course Dinner for Two, Mid-Range

$53.7 zł 204

$40.42 zł 153

32.86%

Fast Food Meal (McDonalds, etc)

$9.55 zł 36.22

$7.99 zł 30.30

19.52%

Cappuccino

$3.98 zł 15.09

$3.08 zł 11.69

29.22%

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

$2.21 zł 8.40

$2.18 zł 8.28

1.38%

Water (0.33 liter bottle)

$2.26 zł 8.59

$1.70 zł 6.45

32.94%

Local Beer (0.5 liter draught)

$4.16 zł 15.79

$2.92 zł 11.06

42.47%

Imported Beer (0.33 liter bottle)

$4.04 zł 15.34

$3.58 zł 13.57

12.85%

Milk (1 liter)

$1.16 zł 4.39

$1.05 zł 3.97

10.48%

White Bread (500g)

$1.45 zł 5.51

$1.28 zł 4.86

13.28%

Rice (white) (1kg)

$1.46 zł 5.54

$1.59 zł 6.05

-8.18%

Eggs

$3.61 zł 13.68

$3.30 zł 12.51

9.39%

Local Cheese (1kg)

$8.98 zł 34.07

$7.88 zł 29.92

13.96%

Chicken Fillets (1kg)

$6.51 zł 24.68

$6.29 zł 23.86

3.50%

Beef Round Steak (1kg)

$11.52 zł 43.69

$9.95 zł 37.75

15.78%

Apples (1kg)

$1.25 zł 4.75

$1.14 zł 4.31

9.65%

Banana (1kg)

$1.74 zł 6.61

$1.54 zł 5.83

12.99%

Oranges (1kg)

$1.80 zł 6.83

$1.62 zł 6.15

11.11%

Tomato (1kg)

$3.03 zł 11.50

$2.49 zł 9.43

21.69%

Potato (1kg)

$1.02 zł 3.86

$0.92 zł 3.48

10.87%

Onion (1kg)

$1.06 zł 4.01

$1.20 zł 4.56

-11.67%

Lettuce (1 head)

$1.30 zł 4.94

$1.30 zł 4.92

Water (1.5 liter bottle)

$0.71 zł 2.68

$0.61 zł 2.30

16.39%

Cigarettes 20 Pack (Marlboro, Camel)

$5.59 zł 21.19

$5.42 zł 20.55

3.14%

Wine (Bottle)

$6.44 zł 24.45

$7.01 zł 26.61

-8.13%

Local Beer (0.5 liter bottle)

$1.23 zł 4.67

$1.01 zł 3.83

21.78%

Imported Beer (0.33 liter bottle)

$1.70 zł 6.44

$1.79 zł 6.81

-5.03%

One-way Ticket (Public Transport)

$1.11 zł 4.23

$1.07 zł 4.07

3.74%

Public Transport Monthly Pass (Regular Price)

$39.41 zł 150

$32.04 zł 122

23.00%

Taxi Start (Normal Tariff)

$2.51 zł 9.53

$2.12 zł 8.03

18.40%

Taxi (Normal Tariff) (1km)

$0.99 zł 3.74

$0.83 zł 3.15

19.28%

Taxi 1hour Waiting (Normal Tariff)

$13.03 zł 49.43

$10.53 zł 39.97

23.74%

Gasoline (1 liter)

$1.69 zł 6.42

$1.78 zł 6.74

-5.06%

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

$33.1K zł 125.7K

$34.5K zł 130.8K

-3.92%

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

$32.5K zł 123.2K

$30.5K zł 115.9K

6.32%

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

$278 zł 1,056

$292 zł 1,107

-4.61%

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

$9.20 zł 34.89

$7.76 zł 29.43

18.56%

Internet (50+ Mbps, Unlimited Data)

$16.58 zł 62.9

$16.42 zł 62.3

0.97%

Gym Membership (Monthly)

$38.22 zł 145

$36.88 zł 140

3.63%

Tennis Court (1 Hour on Weekend)

$22.23 zł 84.3

$19.89 zł 75.5

11.76%

Cinema Ticket

$8.05 zł 30.54

$8.91 zł 33.81

-9.65%

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

$437 zł 1,657

$516 zł 1,959

-15.42%

International Primary School, 1 Child (Yearly)

$12.9K zł 48.9K

$4,860 zł 18.4K

165.17%

Jeans (Levis 501 Or Similar)

$76.7 zł 291

$91.3 zł 346

-15.99%

Summer Dress (H&M, Zara, etc)

$45.54 zł 173

$44.90 zł 170

1.43%

Sport Shoes (Adidas, Nike)

$101 zł 384

$101 zł 382

0.55%

Men's Leather Business Shoes

$113 zł 428

$124 zł 471

-9.19%

1-bedroom Apartment, City Center (Monthly)

$904 zł 3,430

$648 zł 2,458

39.53%

1-bedroom Apartment, Outside City Center (Monthly)

$757 zł 2,873

$486 zł 1,845

55.75%

3-bedroom Apartment, City Center (Monthly)

$1,601 zł 6,073

$965 zł 3,662

65.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,154 zł 4,379

$830 zł 3,149

39.05%

Buy Apartment in City Center (m2)

$5,725 zł 21.7K

$3,430 zł 13.0K

66.93%

Buy Apartment Outside City Center (m2)

$3,721 zł 14.1K

$2,593 zł 9,837

43.51%

Average Monthly Net Salary (After Tax)

$1,883 zł 7,146

20-Year Fixed Mortgage Interest Rate (Annual %)

7.77

6.28

23.73%

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

Last update for Krakow: July 13, 2026

Last update for Lomza: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $904 in Krakow and $648 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $54.0 in Krakow vs $40.00 in Lomza for a mid-range dinner for two. Groceries echo the gap at $221 vs $202 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 23% 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 $2,660 in Krakow and $2,159 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: $904 in Krakow versus $648 in Lomza. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 9% 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 $40.00 versus $54.0 in Krakow. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,440 in Lomza versus $1,773 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 $1,440 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 23% less than in Krakow. Beyond cost, consider language, visa policies, and how big the international community is in each city.