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: $1,738 in Krakow versus $1,476 in Lomza.

Estimated couple costs with rent: $2,487 in Krakow versus $2,098 in Lomza.

Monthly costs for a family of three with rent: $3,236 in Krakow versus $2,720 in Lomza.

Living in Krakow is roughly 18% more expensive than Lomza, driven mainly by Eating Out.

Both cities are pricier than the global median: Krakow 30% above, Lomza 10% above.

Meal at Budget Restaurant

$10.66 zł 38.87

$9.48 zł 34.56

12.45%

Three-Course Dinner for Two, Mid-Range

$55.2 zł 201

$40.65 zł 148

35.72%

Fast Food Meal (McDonalds, etc)

$9.30 zł 33.92

$8.16 zł 29.75

13.97%

Cappuccino

$4.03 zł 14.71

$3.19 zł 11.65

26.33%

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

$2.22 zł 8.08

$2.12 zł 7.72

4.72%

Water (0.33 liter bottle)

$2.22 zł 8.10

$1.63 zł 5.95

36.20%

Local Beer (0.5 liter draught)

$4.03 zł 14.70

$2.93 zł 10.70

37.54%

Imported Beer (0.33 liter bottle)

$4.16 zł 15.16

$3.59 zł 13.08

15.88%

Milk (1 liter)

$1.10 zł 4.01

$1.05 zł 3.83

4.76%

White Bread (500g)

$1.45 zł 5.27

$1.23 zł 4.49

17.89%

Rice (white) (1kg)

$1.47 zł 5.37

$1.61 zł 5.86

-8.70%

Eggs

$3.75 zł 13.67

$3.38 zł 12.33

10.95%

Local Cheese (1kg)

$9.05 zł 33.00

$7.99 zł 29.12

13.27%

Chicken Fillets (1kg)

$6.37 zł 23.23

$6.23 zł 22.74

2.25%

Beef Round Steak (1kg)

$11.55 zł 42.12

$9.62 zł 35.07

20.06%

Apples (1kg)

$1.25 zł 4.55

$1.14 zł 4.17

9.65%

Banana (1kg)

$1.81 zł 6.62

$1.59 zł 5.81

13.84%

Oranges (1kg)

$1.80 zł 6.55

$1.63 zł 5.95

10.43%

Tomato (1kg)

$3.13 zł 11.42

$2.50 zł 9.11

25.20%

Potato (1kg)

$1.05 zł 3.82

$0.98 zł 3.56

7.14%

Onion (1kg)

$1.01 zł 3.69

$1.19 zł 4.34

-15.13%

Lettuce (1 head)

$1.36 zł 4.95

$1.31 zł 4.76

3.82%

Water (1.5 liter bottle)

$0.66 zł 2.42

$0.65 zł 2.36

1.54%

Cigarettes 20 Pack (Marlboro, Camel)

$5.48 zł 19.99

$5.21 zł 18.99

5.18%

Wine (Bottle)

$6.84 zł 24.93

$7.33 zł 26.74

-6.68%

Local Beer (0.5 liter bottle)

$1.23 zł 4.50

$1.07 zł 3.89

14.95%

Imported Beer (0.33 liter bottle)

$1.76 zł 6.43

$1.80 zł 6.56

-2.22%

One-way Ticket (Public Transport)

$1.10 zł 4.02

Public Transport Monthly Pass (Regular Price)

$39.51 zł 144

$32.16 zł 117

22.85%

Taxi Start (Normal Tariff)

$2.51 zł 9.14

$2.14 zł 7.82

17.29%

Taxi (Normal Tariff) (1km)

$1.02 zł 3.70

$0.77 zł 2.82

32.47%

Taxi 1hour Waiting (Normal Tariff)

$12.91 zł 47.07

$10.56 zł 38.51

22.25%

Gasoline (1 liter)

$1.72 zł 6.26

$1.79 zł 6.52

-3.91%

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

$33.0K zł 120.3K

$33.8K zł 123.1K

-2.24%

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

$31.4K zł 114.4K

$30.7K zł 112.0K

2.16%

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

$270 zł 985

$290 zł 1,056

-6.76%

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

$9.39 zł 34.23

$7.64 zł 27.87

22.91%

Internet (50+ Mbps, Unlimited Data)

$16.80 zł 61.3

$16.02 zł 58.4

4.87%

Gym Membership (Monthly)

$39.23 zł 143

$37.01 zł 135

6.00%

Tennis Court (1 Hour on Weekend)

$22.83 zł 83.2

$19.45 zł 70.9

17.38%

Cinema Ticket

$8.22 zł 29.96

$8.47 zł 30.90

-2.95%

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

$446 zł 1,626

$503 zł 1,832

-11.25%

International Primary School, 1 Child (Yearly)

$13.3K zł 48.5K

$4,707 zł 17.2K

182.60%

Jeans (Levis 501 Or Similar)

$77.8 zł 284

$90.3 zł 329

-13.87%

Summer Dress (H&M, Zara, etc)

$44.83 zł 163

$44.63 zł 163

0.45%

Sport Shoes (Adidas, Nike)

$99.5 zł 363

$102 zł 373

-2.65%

Men's Leather Business Shoes

$111 zł 407

$125 zł 456

-10.77%

1-bedroom Apartment, City Center (Monthly)

$908 zł 3,310

$650 zł 2,370

39.66%

1-bedroom Apartment, Outside City Center (Monthly)

$768 zł 2,799

$485 zł 1,769

58.22%

3-bedroom Apartment, City Center (Monthly)

$1,585 zł 5,780

$971 zł 3,542

63.19%

3-bedroom Apartment, Outside City Center (Monthly)

$1,189 zł 4,335

$823 zł 3,001

44.45%

Buy Apartment in City Center (m2)

$5,925 zł 21.6K

$3,137 zł 11.4K

88.89%

Buy Apartment Outside City Center (m2)

$3,808 zł 13.9K

$2,130 zł 7,765

78.82%

Average Monthly Net Salary (After Tax)

$1,961 zł 7,151

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: June 2, 2026

Last update for Lomza: May 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $908 in Krakow and $650 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $55.0 in Krakow vs $41.00 in Lomza for a mid-range dinner for two. Groceries echo the gap at $222 vs $203 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 18% 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 $2,607 in Krakow and $2,214 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: $908 in Krakow versus $650 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 $41.00 versus $55.0 in Krakow. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,476 in Lomza versus $1,738 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 $1,476 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 18% less than in Krakow. Beyond cost, consider language, visa policies, and how big the international community is in each city.