Last update: Nov 2026

Cost of Living Comparison Between Krakow and Lomza

For one person, living is cheaper in Lomza: $1,507 a month against $1,784 in Krakow, rent and utilities included – about $3,300 less a year. Rent and utilities account for most of the difference.

85

Cost of Living Index in Krakow
Learn more

Krakow Living Index
72

Cost of Living Index in Lomza
Learn more

Lomza Living Index

Jump to prices

Krakow

🇵🇱 Poland

$1,784

/mo nomad

Lomza

🇵🇱 Poland

$1,507

/mo nomad

Monthly Cost of Living

How much you'll spend in Krakow and in Lomza

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

Monthly costs for one person with rent: $1,784 in Krakow versus $1,507 in Lomza.

Krakow $1,784
Lomza $1,507

Estimated couple costs with rent: $2,566 in Krakow versus $2,150 in Lomza.

Krakow $2,566
Lomza $2,150

Monthly costs for a family of three with rent: $3,348 in Krakow versus $2,792 in Lomza.

Krakow $3,348
Lomza $2,792

Living in Krakow is roughly 18% more expensive than in Lomza, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Krakow 32% above, Lomza 11% above.

Meal at Budget Restaurant

$11.50 zł 44.93

$9.60 zł 37.53

19.79%

Three-Course Dinner for Two, Mid-Range

$50.1 zł 196

$46.68 zł 182

7.39%

Fast Food Meal (McDonalds, etc)

$9.26 zł 36.20

$8.63 zł 33.73

7.30%

Cappuccino

$4.21 zł 16.44

$3.56 zł 13.91

18.26%

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

$2.36 zł 9.23

$2.72 zł 10.62

-13.24%

Water (0.33 liter bottle)

$2.34 zł 9.14

$2.63 zł 10.29

-11.03%

Local Beer (0.5 liter draught)

$4.58 zł 17.90

$4.46 zł 17.42

2.69%

Imported Beer (0.33 liter bottle)

$4.51 zł 17.62

$4.99 zł 19.48

-9.62%

Milk (1 liter)

$1.02 zł 3.99

$1.01 zł 3.96

0.99%

White Bread (500g)

$1.43 zł 5.58

$1.10 zł 4.30

30.00%

Rice (white) (1kg)

$1.60 zł 6.26

$1.37 zł 5.36

16.79%

Eggs

$3.88 zł 15.15

$3.43 zł 13.39

13.12%

Local Cheese (1kg)

$9.31 zł 36.37

$10.45 zł 40.83

-10.91%

Chicken Fillets (1kg)

$7.80 zł 30.48

$7.03 zł 27.46

10.95%

Beef Round Steak (1kg)

$13.43 zł 52.5

$11.64 zł 45.47

15.38%

Apples (1kg)

$1.31 zł 5.10

$1.19 zł 4.67

10.08%

Banana (1kg)

$1.72 zł 6.71

$1.60 zł 6.26

7.50%

Oranges (1kg)

$1.80 zł 7.03

$2.29 zł 8.96

-21.40%

Tomato (1kg)

$3.11 zł 12.15

$2.98 zł 11.63

4.36%

Potato (1kg)

$0.97 zł 3.78

$0.82 zł 3.21

18.29%

Onion (1kg)

$0.98 zł 3.85

$0.92 zł 3.58

6.52%

Lettuce (1 head)

$1.28 zł 5.01

$1.34 zł 5.23

-4.48%

Water (1.5 liter bottle)

$0.78 zł 3.05

$0.62 zł 2.43

25.81%

Cigarettes 20 Pack (Marlboro, Camel)

$6.14 zł 24.00

$5.57 zł 21.77

10.23%

Wine (Bottle)

$6.36 zł 24.86

$6.64 zł 25.94

-4.22%

Local Beer (0.5 liter bottle)

$1.24 zł 4.83

$1.09 zł 4.25

13.76%

Imported Beer (0.33 liter bottle)

$1.61 zł 6.30

$1.74 zł 6.82

-7.47%

One-way Ticket (Public Transport)

$1.49 zł 5.84

$1.09 zł 4.25

36.70%

Public Transport Monthly Pass (Regular Price)

$32.51 zł 127

$29.37 zł 115

10.69%

Taxi Start (Normal Tariff)

$2.25 zł 8.79

$1.58 zł 6.16

42.41%

Taxi (Normal Tariff) (1km)

$0.98 zł 3.83

$0.57 zł 2.24

71.93%

Taxi 1hour Waiting (Normal Tariff)

$12.72 zł 49.70

$9.20 zł 35.96

38.26%

Gasoline (1 liter)

$1.74 zł 6.80

$1.59 zł 6.23

9.43%

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

$29.9K zł 116.7K

$30.8K zł 120.3K

-2.98%

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

$28.2K zł 110.0K

$27.6K zł 107.7K

2.18%

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

$319 zł 1,247

$306 zł 1,197

4.18%

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

$8.85 zł 34.59

$8.56 zł 33.47

3.39%

Internet (50+ Mbps, Unlimited Data)

$17.45 zł 68.2

$17.23 zł 67.4

1.28%

Gym Membership (Monthly)

$43.45 zł 170

$38.01 zł 149

14.31%

Tennis Court (1 Hour on Weekend)

$24.39 zł 95.3

$22.07 zł 86.2

10.51%

Cinema Ticket

$8.39 zł 32.79

$8.09 zł 31.60

3.71%

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

$436 zł 1,704

$507 zł 1,982

-14.03%

International Primary School, 1 Child (Yearly)

$12.6K zł 49.2K

$10.4K zł 40.8K

20.60%

Jeans (Levis 501 Or Similar)

$96.9 zł 379

$73.4 zł 287

31.96%

Summer Dress (H&M, Zara, etc)

$40.89 zł 160

$40.73 zł 159

0.39%

Sport Shoes (Adidas, Nike)

$89.4 zł 349

$88.8 zł 347

0.72%

Men's Leather Business Shoes

$117 zł 459

$94.8 zł 370

23.88%

1-bedroom Apartment, City Center (Monthly)

$918 zł 3,589

$585 zł 2,284

57.10%

1-bedroom Apartment, Outside City Center (Monthly)

$722 zł 2,822

$529 zł 2,068

36.45%

3-bedroom Apartment, City Center (Monthly)

$1,514 zł 5,916

$953 zł 3,724

58.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,169 zł 4,569

$803 zł 3,137

45.63%

Buy Apartment in City Center (m2)

$5,415 zł 21.2K

$2,932 zł 11.5K

84.70%

Buy Apartment Outside City Center (m2)

$3,560 zł 13.9K

$2,198 zł 8,590

61.95%

Average Monthly Net Salary (After Tax)

$1,888 zł 7,376

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

6.87

-4.08%

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

Last update for Krakow: November 1, 2026

Last update for Lomza: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Krakow

$722 40.5%

Lomza

$529 35.1% 26.7% $193

Monthly Utilities & Internet

Krakow

$345 19.4%

Lomza

$332 22% 3.9% $13

Groceries & Markets

Krakow

$235 13.2%

Lomza

$221 14.6% 6% $14

Eating Out

Krakow

$221 12.4%

Lomza

$199 13.2% 9.9% $22

Clothing & Footwear

Krakow

$155 8.7%

Lomza

$134 8.9% 13.6% $21

Sport & Entertainment

Krakow

$60 3.4%

Lomza

$54 3.6% 10% $6

Getting Around

Krakow

$46 2.6%

Lomza

$38 2.5% 16.4% $7.5

Cost Breakdown

A one-bedroom apartment in the center runs $918 in Krakow and $585 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $50 in Krakow vs $47 in Lomza for a mid-range dinner for two. Groceries echo the gap at $235 vs $221 per month, with Lomza cheaper across the board.

Good to know

🇵🇱 Krakow

🇵🇱 Lomza

🕒 Local time

00:55 12:55 AM

Same time as Krakow

🌤 Weather

👥 Population

806,201

62,711

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Krakow Lomza 380 km

From you

Krakow
Lomza

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

Krakow vs Lomza: Cost of Living - Frequently Asked Questions

Lomza wins on cost – living expenses run 16% 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 $2,676 in Krakow and $2,261 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: $918 in Krakow versus $585 in Lomza. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 6% 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 $47 versus $50 in Krakow. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,500. Lomza is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Krakow and Lomza are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Lomza gentler on the wallet – expenses run 16% less than in Krakow. Beyond cost, consider language, visa policies, and how big the international community is in each city.