Last update: Oct 2026

Cost of Living Comparison Between Lodz and Warsaw

For one person, living is cheaper in Lodz: $1,492 a month against $2,051 in Warsaw, rent and utilities included – about $6,700 less a year. Rent and utilities account for most of the difference.

72

Cost of Living Index in Lodz
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Lodz Living Index
100

Cost of Living Index in Warsaw
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Warsaw Living Index

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Lodz

🇵🇱 Poland

$1,492

/mo nomad

Warsaw

🇵🇱 Poland

$2,051

/mo nomad

Monthly Cost of Living

How much you'll spend in Lodz and in Warsaw

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

Monthly costs for one person with rent: $1,492 in Lodz versus $2,051 in Warsaw.

Lodz $1,492
Warsaw $2,051

Estimated couple costs with rent: $2,191 in Lodz versus $2,950 in Warsaw.

Lodz $2,191
Warsaw $2,950

Monthly costs for a family of three with rent: $2,889 in Lodz versus $3,850 in Warsaw.

Lodz $2,889
Warsaw $3,850

Living in Lodz costs roughly 27% less than in Warsaw, and outside of rent the biggest gap is in clothing.

Both cities are pricier than the global median: Lodz 10% above, Warsaw 51% above.

Meal at Budget Restaurant

$9.67 zł 37.93

$11.43 zł 44.81

-15.40%

Three-Course Dinner for Two, Mid-Range

$46.77 zł 183

$62.0 zł 243

-24.55%

Fast Food Meal (McDonalds, etc)

$8.80 zł 34.50

$10.30 zł 40.40

-14.56%

Cappuccino

$3.55 zł 13.93

$4.22 zł 16.54

-15.88%

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

$2.80 zł 10.97

$2.21 zł 8.67

26.70%

Water (0.33 liter bottle)

$2.72 zł 10.65

$2.20 zł 8.62

23.64%

Local Beer (0.5 liter draught)

$4.65 zł 18.25

$4.59 zł 18.01

1.31%

Imported Beer (0.33 liter bottle)

$5.16 zł 20.25

$5.01 zł 19.65

2.99%

Milk (1 liter)

$0.98 zł 3.86

$1.10 zł 4.31

-10.91%

White Bread (500g)

$1.08 zł 4.23

$1.47 zł 5.76

-26.53%

Rice (white) (1kg)

$1.34 zł 5.27

$1.62 zł 6.35

-17.28%

Eggs

$3.47 zł 13.59

$3.92 zł 15.37

-11.48%

Local Cheese (1kg)

$10.50 zł 41.19

$9.08 zł 35.62

15.64%

Chicken Fillets (1kg)

$6.92 zł 27.14

$6.39 zł 25.06

8.29%

Beef Round Steak (1kg)

$11.97 zł 46.96

$14.50 zł 56.9

-17.45%

Apples (1kg)

$1.15 zł 4.50

$1.17 zł 4.60

-1.71%

Banana (1kg)

$1.67 zł 6.53

$1.75 zł 6.87

-4.57%

Oranges (1kg)

$2.32 zł 9.10

$1.76 zł 6.90

31.82%

Tomato (1kg)

$3.00 zł 11.76

$4.08 zł 16.02

-26.47%

Potato (1kg)

$0.78 zł 3.07

$0.90 zł 3.54

-13.33%

Onion (1kg)

$0.93 zł 3.66

$0.94 zł 3.67

-1.06%

Lettuce (1 head)

$1.40 zł 5.47

$1.41 zł 5.54

-0.71%

Water (1.5 liter bottle)

$0.60 zł 2.35

$0.70 zł 2.76

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$5.80 zł 22.75

$6.37 zł 25.00

-8.95%

Wine (Bottle)

$6.76 zł 26.51

$6.48 zł 25.40

4.32%

Local Beer (0.5 liter bottle)

$1.16 zł 4.53

$1.16 zł 4.55

Imported Beer (0.33 liter bottle)

$1.75 zł 6.88

$1.73 zł 6.78

1.16%

One-way Ticket (Public Transport)

$1.10 zł 4.31

$1.16 zł 4.56

-5.17%

Public Transport Monthly Pass (Regular Price)

$52.1 zł 204

$28.24 zł 111

84.60%

Taxi Start (Normal Tariff)

$1.54 zł 6.06

$2.55 zł 10.00

-39.61%

Taxi (Normal Tariff) (1km)

$0.54 zł 2.11

$1.26 zł 4.95

-57.14%

Taxi 1hour Waiting (Normal Tariff)

$9.35 zł 36.67

$12.94 zł 50.8

-27.74%

Gasoline (1 liter)

$1.61 zł 6.31

$1.76 zł 6.92

-8.52%

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

$30.4K zł 119.1K

$30.6K zł 120.1K

-0.86%

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

$28.3K zł 110.9K

$30.5K zł 119.5K

-7.26%

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

$321 zł 1,258

$340 zł 1,335

-5.82%

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

$8.43 zł 33.05

$9.07 zł 35.55

-7.06%

Internet (50+ Mbps, Unlimited Data)

$17.64 zł 69.2

$16.28 zł 63.9

8.35%

Gym Membership (Monthly)

$36.34 zł 143

$47.15 zł 185

-22.93%

Tennis Court (1 Hour on Weekend)

$17.84 zł 70.0

$28.50 zł 112

-37.40%

Cinema Ticket

$8.34 zł 32.70

$9.01 zł 35.35

-7.44%

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

$511 zł 2,004

$599 zł 2,349

-14.69%

International Primary School, 1 Child (Yearly)

$10.2K zł 40.0K

$14.3K zł 56.2K

-28.85%

Jeans (Levis 501 Or Similar)

$73.4 zł 288

$106 zł 417

-31.01%

Summer Dress (H&M, Zara, etc)

$40.53 zł 159

$39.28 zł 154

3.18%

Sport Shoes (Adidas, Nike)

$90.7 zł 356

$107 zł 420

-15.34%

Men's Leather Business Shoes

$98.9 zł 388

$111 zł 437

-11.25%

1-bedroom Apartment, City Center (Monthly)

$599 zł 2,349

$1,173 zł 4,599

-48.92%

1-bedroom Apartment, Outside City Center (Monthly)

$472 zł 1,849

$956 zł 3,748

-50.66%

3-bedroom Apartment, City Center (Monthly)

$1,096 zł 4,297

$2,103 zł 8,246

-47.90%

3-bedroom Apartment, Outside City Center (Monthly)

$833 zł 3,265

$1,559 zł 6,112

-46.58%

Buy Apartment in City Center (m2)

$3,108 zł 12.2K

$6,040 zł 23.7K

-48.53%

Buy Apartment Outside City Center (m2)

$2,352 zł 9,223

$3,932 zł 15.4K

-40.19%

Average Monthly Net Salary (After Tax)

$1,627 zł 6,382

$2,093 zł 8,210

-22.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

6.68

2.84%

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

Last update for Lodz: October 20, 2026

Last update for Warsaw: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Lodz

$472 31.6%

Warsaw

$956 46.6% 103% $484

Monthly Utilities & Internet

Lodz

$347 23.2%

Warsaw

$366 17.8% 5.5% $19

Groceries & Markets

Lodz

$222 14.9%

Warsaw

$235 11.5% 6.1% $14

Eating Out

Lodz

$202 13.5%

Warsaw

$224 10.9% 10.6% $21

Clothing & Footwear

Lodz

$137 9.2%

Warsaw

$164 8% 20% $27

Getting Around

Lodz

$61 4.1%

Warsaw

$42 2% 31.3% $19

Sport & Entertainment

Lodz

$53 3.6%

Warsaw

$65 3.2% 22.9% $12

Cost Breakdown

A one-bedroom apartment in the center runs $599 in Lodz and $1,173 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 29% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $47 in Lodz vs $62 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $222 vs $235 per month, with Lodz cheaper across the board.

Good to know

🇵🇱 Lodz

🇵🇱 Warsaw

🕒 Local time

01:46 1:46 AM

Same time as Lodz

🌤 Weather

👥 Population

711,332

1,861,599 Capital

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.255 USD

1 PLN = 0.228 EUR

1 PLN = 0.255 USD

1 PLN = 0.228 EUR

Exchange rates and currency converter

On the map

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Lodz
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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

Lodz vs Warsaw: Cost of Living - Frequently Asked Questions

Lodz wins on cost – living expenses run 27% lower than in Warsaw. Housing and daily spending are where you’ll feel the difference most, making Lodz the obvious pick if budget is a priority.

On paper, salaries run 22% lower in Lodz. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $599 in Lodz versus $1,173 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 6% higher in Warsaw. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Lodz – a meal for two runs $47 versus $62 in Warsaw. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Lodz is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Lodz delivers better value – similar infrastructure at $1,492 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Lodz hard to pass up.

Safety-wise, Lodz and Warsaw are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

It comes down to priorities – Lodz wins on affordability, Warsaw on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.