Last update: Oct 2026

Cost of Living Comparison Between Lomza and Krakow

For one person, living is cheaper in Lomza: $1,483 a month against $1,815 in Krakow, rent and utilities included – about $4,000 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
88

Cost of Living Index in Krakow
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Krakow Living Index

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Lomza

🇵🇱 Poland

$1,483

/mo nomad

Krakow

🇵🇱 Poland

$1,815

/mo nomad

Monthly Cost of Living

How much you'll spend in Lomza and in Krakow

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 Krakow actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,483 in Lomza versus $1,815 in Krakow.

Lomza $1,483
Krakow $1,815

Estimated couple costs with rent: $2,144 in Lomza versus $2,587 in Krakow.

Lomza $2,144
Krakow $2,587

Monthly costs for a family of three with rent: $2,805 in Lomza versus $3,359 in Krakow.

Lomza $2,805
Krakow $3,359

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

Both cities are pricier than the global median: Lomza 10% above, Krakow 34% above.

Meal at Budget Restaurant

$9.52 zł 37.00

$11.83 zł 45.95

-19.53%

Three-Course Dinner for Two, Mid-Range

$46.51 zł 181

$50.5 zł 196

-7.90%

Fast Food Meal (McDonalds, etc)

$9.00 zł 34.98

$9.81 zł 38.12

-8.26%

Cappuccino

$3.66 zł 14.22

$4.22 zł 16.40

-13.27%

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

$2.64 zł 10.25

$2.59 zł 10.06

1.93%

Water (0.33 liter bottle)

$2.76 zł 10.73

$2.35 zł 9.12

17.45%

Local Beer (0.5 liter draught)

$4.71 zł 18.28

$4.63 zł 17.98

1.73%

Imported Beer (0.33 liter bottle)

$5.05 zł 19.61

$4.72 zł 18.32

6.99%

Milk (1 liter)

$1.03 zł 3.98

$1.07 zł 4.14

-3.74%

White Bread (500g)

$1.07 zł 4.15

$1.50 zł 5.84

-28.67%

Rice (white) (1kg)

$1.39 zł 5.39

$1.76 zł 6.83

-21.02%

Eggs

$3.42 zł 13.29

$3.90 zł 15.13

-12.31%

Local Cheese (1kg)

$10.65 zł 41.39

$9.40 zł 36.53

13.30%

Chicken Fillets (1kg)

$6.81 zł 26.44

$7.87 zł 30.57

-13.47%

Beef Round Steak (1kg)

$11.64 zł 45.24

$13.41 zł 52.1

-13.20%

Apples (1kg)

$1.18 zł 4.60

$1.34 zł 5.20

-11.94%

Banana (1kg)

$1.61 zł 6.27

$1.69 zł 6.56

-4.73%

Oranges (1kg)

$2.36 zł 9.15

$1.80 zł 6.98

31.11%

Tomato (1kg)

$3.00 zł 11.66

$3.07 zł 11.93

-2.28%

Potato (1kg)

$0.79 zł 3.06

$0.88 zł 3.40

-10.23%

Onion (1kg)

$0.88 zł 3.42

$1.02 zł 3.98

-13.73%

Lettuce (1 head)

$1.38 zł 5.34

$1.21 zł 4.70

14.05%

Water (1.5 liter bottle)

$0.59 zł 2.28

$0.80 zł 3.12

-26.25%

Cigarettes 20 Pack (Marlboro, Camel)

$5.82 zł 22.63

$6.24 zł 24.24

-6.73%

Wine (Bottle)

$6.66 zł 25.88

$6.40 zł 24.86

4.06%

Local Beer (0.5 liter bottle)

$1.10 zł 4.29

$1.21 zł 4.70

-9.09%

Imported Beer (0.33 liter bottle)

$1.68 zł 6.51

$1.67 zł 6.49

0.60%

One-way Ticket (Public Transport)

$1.12 zł 4.34

$1.57 zł 6.10

-28.66%

Public Transport Monthly Pass (Regular Price)

$29.42 zł 114

$33.06 zł 128

-11.01%

Taxi Start (Normal Tariff)

$1.59 zł 6.17

$2.22 zł 8.63

-28.38%

Taxi (Normal Tariff) (1km)

$0.59 zł 2.28

$1.01 zł 3.91

-41.58%

Taxi 1hour Waiting (Normal Tariff)

$9.37 zł 36.39

$12.48 zł 48.51

-24.92%

Gasoline (1 liter)

$1.60 zł 6.23

$1.67 zł 6.49

-4.19%

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

$30.1K zł 116.8K

$30.7K zł 119.3K

-2.08%

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

$26.9K zł 104.6K

$28.6K zł 111.2K

-5.93%

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

$316 zł 1,227

$325 zł 1,261

-2.66%

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

$8.65 zł 33.59

$8.70 zł 33.80

-0.57%

Internet (50+ Mbps, Unlimited Data)

$17.11 zł 66.5

$17.84 zł 69.3

-4.09%

Gym Membership (Monthly)

$32.54 zł 126

$45.16 zł 175

-27.95%

Tennis Court (1 Hour on Weekend)

$23.27 zł 90.4

$24.28 zł 94.3

-4.16%

Cinema Ticket

$8.12 zł 31.54

$8.57 zł 33.29

-5.25%

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

$509 zł 1,978

$463 zł 1,799

10.00%

International Primary School, 1 Child (Yearly)

$10.3K zł 40.1K

$9,760 zł 37.9K

5.72%

Jeans (Levis 501 Or Similar)

$74.7 zł 290

$96.7 zł 376

-22.70%

Summer Dress (H&M, Zara, etc)

$40.74 zł 158

$40.10 zł 156

1.60%

Sport Shoes (Adidas, Nike)

$90.1 zł 350

$89.1 zł 346

1.10%

Men's Leather Business Shoes

$95.7 zł 372

$122 zł 473

-21.43%

1-bedroom Apartment, City Center (Monthly)

$608 zł 2,363

$937 zł 3,642

-35.11%

1-bedroom Apartment, Outside City Center (Monthly)

$496 zł 1,927

$735 zł 2,854

-32.48%

3-bedroom Apartment, City Center (Monthly)

$969 zł 3,766

$1,477 zł 5,738

-34.37%

3-bedroom Apartment, Outside City Center (Monthly)

$809 zł 3,142

$1,147 zł 4,456

-29.48%

Buy Apartment in City Center (m2)

$2,957 zł 11.5K

$5,395 zł 21.0K

-45.20%

Buy Apartment Outside City Center (m2)

$2,539 zł 9,864

$3,529 zł 13.7K

-28.05%

Average Monthly Net Salary (After Tax)

$1,894 zł 7,360

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

6.62

3.78%

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

Last update for Lomza: October 11, 2026

Last update for Krakow: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Lomza

$496 33.5%

Krakow

$735 40.5% 48.1% $239

Monthly Utilities & Internet

Lomza

$342 23%

Krakow

$351 19.4% 2.8% $9.4

Groceries & Markets

Lomza

$220 14.8%

Krakow

$237 13.1% 7.7% $17

Eating Out

Lomza

$202 13.7%

Krakow

$227 12.5% 12.2% $25

Clothing & Footwear

Lomza

$136 9.1%

Krakow

$156 8.6% 15.4% $21

Sport & Entertainment

Lomza

$49 3.3%

Krakow

$62 3.4% 27.7% $14

Getting Around

Lomza

$38 2.6%

Krakow

$47 2.6% 21.3% $8.2

Cost Breakdown

A one-bedroom apartment in the center runs $608 in Lomza and $937 in Krakow. Housing cost is often the main lever when comparing two cities.

Dining out: $47.00 in Lomza vs $50.0 in Krakow for a mid-range dinner for two. Groceries echo the gap at $220 vs $237 per month, with Lomza cheaper across the board.

Good to know

🇵🇱 Lomza

🇵🇱 Krakow

🕒 Local time

01:08 1:08 AM

Same time as Lomza

🌤 Weather

👥 Population

62,711

806,201

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

On the map

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Lomza Krakow 380 km

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Lomza
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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

Lomza vs Krakow: Cost of Living - Frequently Asked Questions

Lomza wins on cost – living expenses run 22% 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 $2,224 in Lomza and $2,722 in Krakow 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: $608 in Lomza versus $937 in Krakow. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 8% 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 $47.00 versus $50.0 in Krakow. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,483 in Lomza versus $1,815 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 $1,483 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Lomza hard to pass up.

Safety-wise, Lomza and Krakow 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 22% less than in Krakow. Beyond cost, consider language, visa policies, and how big the international community is in each city.