Last update: Oct 2026

Cost of Living Comparison Between Lomza and Bansko

For one person, living is cheaper in Bansko: $956 a month against $1,483 in Lomza, rent and utilities included – about $6,300 less a year. Rent and utilities account for most of the difference.

73

Cost of Living Index in Lomza
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Lomza Living Index
47

Cost of Living Index in Bansko
Learn more

Bansko Living Index

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Lomza

🇵🇱 Poland

$1,483

/mo nomad

Bansko

🇧🇬 Bulgaria

$956

/mo nomad

Monthly Cost of Living

How much you'll spend in Lomza and in Bansko

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

A single person spends $1,483 per month in Lomza vs $956 in Bansko, rent included.

Lomza $1,483
Bansko $956

A couple spends around $2,144 per month in Lomza vs $1,467 in Bansko, rent included.

Lomza $2,144
Bansko $1,467

A family of three spends $2,805 per month in Lomza vs $1,979 in Bansko, rent included.

Lomza $2,805
Bansko $1,979

Lomza costs about 55% more than Bansko, and outside of rent the biggest gap is in clothing.

Lomza sits 10% above the global median, while Bansko is 29% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$9.52 zł 37.00

$8.66 BGN 15.06

9.93%

Three-Course Dinner for Two, Mid-Range

$46.51 zł 181

$44.94 BGN 78.2

3.49%

Fast Food Meal (McDonalds, etc)

$9.00 zł 34.98

$8.78 BGN 15.28

2.51%

Cappuccino

$3.66 zł 14.22

$2.33 BGN 4.05

57.08%

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

$2.64 zł 10.25

$1.57 BGN 2.74

68.15%

Water (0.33 liter bottle)

$2.76 zł 10.73

$0.82 BGN 1.43

236.59%

Local Beer (0.5 liter draught)

$4.71 zł 18.28

$1.68 BGN 2.92

180.36%

Imported Beer (0.33 liter bottle)

$5.05 zł 19.61

$1.98 BGN 3.45

155.05%

Milk (1 liter)

$1.03 zł 3.98

$1.73 BGN 3.00

-40.46%

White Bread (500g)

$1.07 zł 4.15

$0.80 BGN 1.40

33.75%

Rice (white) (1kg)

$1.39 zł 5.39

$1.44 BGN 2.51

-3.47%

Eggs

$3.42 zł 13.29

$2.36 BGN 4.10

44.92%

Local Cheese (1kg)

$10.65 zł 41.39

$9.39 BGN 16.34

13.42%

Chicken Fillets (1kg)

$6.81 zł 26.44

$6.41 BGN 11.15

6.24%

Beef Round Steak (1kg)

$11.64 zł 45.24

$8.48 BGN 14.76

37.26%

Apples (1kg)

$1.18 zł 4.60

$1.31 BGN 2.28

-9.92%

Banana (1kg)

$1.61 zł 6.27

$1.62 BGN 2.82

-0.62%

Oranges (1kg)

$2.36 zł 9.15

$1.73 BGN 3.01

36.42%

Tomato (1kg)

$3.00 zł 11.66

$1.94 BGN 3.38

54.64%

Potato (1kg)

$0.79 zł 3.06

$0.94 BGN 1.63

-15.96%

Onion (1kg)

$0.88 zł 3.42

$0.76 BGN 1.32

15.79%

Lettuce (1 head)

$1.38 zł 5.34

$0.55 BGN 0.95

150.91%

Water (1.5 liter bottle)

$0.59 zł 2.28

$0.59 BGN 1.02

Cigarettes 20 Pack (Marlboro, Camel)

$5.82 zł 22.63

$3.25 BGN 5.66

79.08%

Wine (Bottle)

$6.66 zł 25.88

$5.20 BGN 9.05

28.08%

Local Beer (0.5 liter bottle)

$1.10 zł 4.29

$1.09 BGN 1.89

0.92%

Imported Beer (0.33 liter bottle)

$1.68 zł 6.51

$1.68 BGN 2.92

One-way Ticket (Public Transport)

$1.12 zł 4.34

$0.84 BGN 1.45

33.33%

Public Transport Monthly Pass (Regular Price)

$29.42 zł 114

$27.06 BGN 47.09

8.72%

Taxi Start (Normal Tariff)

$1.59 zł 6.17

$1.34 BGN 2.34

18.66%

Taxi (Normal Tariff) (1km)

$0.59 zł 2.28

$0.65 BGN 1.14

-9.23%

Taxi 1hour Waiting (Normal Tariff)

$9.37 zł 36.39

$10.06 BGN 17.51

-6.86%

Gasoline (1 liter)

$1.60 zł 6.23

$1.48 BGN 2.57

8.11%

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

$30.1K zł 116.8K

$29.1K BGN 50.7K

3.19%

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

$26.9K zł 104.6K

$20.9K BGN 36.4K

28.71%

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

$316 zł 1,227

$92.4 BGN 161

241.82%

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

$8.65 zł 33.59

$14.52 BGN 25.26

-40.43%

Internet (50+ Mbps, Unlimited Data)

$17.11 zł 66.5

$12.32 BGN 21.43

38.88%

Gym Membership (Monthly)

$32.54 zł 126

$31.70 BGN 55.2

2.65%

Tennis Court (1 Hour on Weekend)

$23.27 zł 90.4

$8.53 BGN 14.84

172.80%

Cinema Ticket

$8.12 zł 31.54

$5.62 BGN 9.78

44.48%

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

$509 zł 1,978

$230 BGN 401

121.01%

International Primary School, 1 Child (Yearly)

$10.3K zł 40.1K

$2,268 BGN 3,947

354.87%

Jeans (Levis 501 Or Similar)

$74.7 zł 290

$30.10 BGN 52.4

148.27%

Summer Dress (H&M, Zara, etc)

$40.74 zł 158

$19.62 BGN 34.13

107.65%

Sport Shoes (Adidas, Nike)

$90.1 zł 350

$45.86 BGN 79.8

96.45%

Men's Leather Business Shoes

$95.7 zł 372

$47.69 BGN 83.0

100.63%

1-bedroom Apartment, City Center (Monthly)

$608 zł 2,363

$518 BGN 902

17.38%

1-bedroom Apartment, Outside City Center (Monthly)

$496 zł 1,927

$357 BGN 621

38.96%

3-bedroom Apartment, City Center (Monthly)

$969 zł 3,766

$614 BGN 1,069

57.80%

3-bedroom Apartment, Outside City Center (Monthly)

$809 zł 3,142

$569 BGN 990

42.14%

Buy Apartment in City Center (m2)

$2,957 zł 11.5K

$1,191 BGN 2,073

148.20%

Buy Apartment Outside City Center (m2)

$2,539 zł 9,864

$959 BGN 1,669

164.66%

Average Monthly Net Salary (After Tax)

$1,704 BGN 2,965

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

2.99

129.77%

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

Last update for Lomza: October 11, 2026

Last update for Bansko: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Lomza

$496 33.5%

Bansko

$357 37.3% 28% $139

Monthly Utilities & Internet

Lomza

$342 23%

Bansko

$119 12.5% 65.1% $222

Groceries & Markets

Lomza

$220 14.8%

Bansko

$192 20.1% 12.8% $28

Eating Out

Lomza

$202 13.7%

Bansko

$145 15.2% 28.1% $57

Clothing & Footwear

Lomza

$136 9.1%

Bansko

$64 6.7% 52.4% $71

Sport & Entertainment

Lomza

$49 3.3%

Bansko

$43 4.5% 12% $5.8

Getting Around

Lomza

$38 2.6%

Bansko

$35 3.7% 8.8% $3.4

Cost Breakdown

A central one-bedroom costs $608 in Lomza versus $518 in Bansko. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $47.00 in Lomza versus $45.00 in Bansko. Monthly groceries follow the same trend: $220 vs $192 – making Bansko the more affordable choice for daily food spending.

Good to know

🇵🇱 Lomza

🇧🇬 Bansko

🕒 Local time

03:10 3:10 AM

04:10 4:10 AM

1 h ahead of Lomza

🌤 Weather

👥 Population

62,711

8,000

💱 Currency

Polish Złoty PLN zł

Bulgarian Lev BGN лв.

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

Exchange rates and currency converter

BGN, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

Bulgarian Lev exchange rates as of October 20, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Lomza Bansko 1,270 km ≈ 2 h nonstop flight

From you

Lomza
Bansko

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

Lomza vs Bansko: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,483 in Lomza, $956 in Bansko – roughly 55% apart. Outside of rent, the biggest gap is in clothing.

For a comfortable life, plan on about $2,224 per month in Lomza and $1,434 in Bansko. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Bansko, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $47.00 in Lomza and $45.00 in Bansko. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,483 in Lomza and $956 in Bansko. That's a gap of about 55%.

A $2,000 monthly budget goes further in Bansko, where all-in costs run around $956, than in Lomza at $1,483. In Bansko it covers expenses comfortably, while in Lomza it requires careful planning or may not stretch far enough.

It depends on your priorities. Bansko has an edge in some lifestyle areas, with costs from $956 in Bansko to $1,483 in Lomza. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Bansko. If higher salaries, better infrastructure, or specific career opportunities are the priority, Lomza makes more sense. Both are solid long-term options with distinct trade-offs.