Cost of Living Comparison Between Lomza and Warsaw Cost of Living Comparison Between Lomza and Warsaw

Monthly Cost of Living

Monthly costs for one person with rent: $1,541 in Lomza versus $2,184 in Warsaw.

Estimated couple costs with rent: $2,235 in Lomza versus $3,125 in Warsaw.

Monthly costs for a family of three with rent: $2,928 in Lomza versus $4,066 in Warsaw.

Living in Lomza costs roughly 29% less than in Warsaw, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Lomza 12% above, Warsaw 59% above.

Meal at Budget Restaurant

$10.39 zł 38.59

$12.19 zł 45.27

-14.77%

Three-Course Dinner for Two, Mid-Range

$47.94 zł 178

$61.8 zł 229

-22.36%

Fast Food Meal (McDonalds, etc)

$9.26 zł 34.41

$10.60 zł 39.38

-12.64%

Cappuccino

$3.88 zł 14.41

$4.61 zł 17.14

-15.84%

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

$2.70 zł 10.01

$2.52 zł 9.36

7.14%

Water (0.33 liter bottle)

$2.84 zł 10.55

$2.40 zł 8.92

18.33%

Local Beer (0.5 liter draught)

$4.69 zł 17.41

$4.86 zł 18.04

-3.50%

Imported Beer (0.33 liter bottle)

$5.35 zł 19.89

$5.24 zł 19.48

2.10%

Milk (1 liter)

$1.03 zł 3.83

$1.15 zł 4.28

-10.43%

White Bread (500g)

$1.11 zł 4.11

$1.58 zł 5.88

-29.75%

Rice (white) (1kg)

$1.47 zł 5.47

$1.82 zł 6.74

-19.23%

Eggs

$3.44 zł 12.80

$3.98 zł 14.77

-13.57%

Local Cheese (1kg)

$11.21 zł 41.64

$9.70 zł 36.03

15.57%

Chicken Fillets (1kg)

$7.07 zł 26.25

$7.33 zł 27.21

-3.55%

Beef Round Steak (1kg)

$12.17 zł 45.20

$15.32 zł 56.9

-20.56%

Apples (1kg)

$1.23 zł 4.59

$1.32 zł 4.92

-6.82%

Banana (1kg)

$1.70 zł 6.30

$1.78 zł 6.62

-4.49%

Oranges (1kg)

$2.51 zł 9.31

$1.84 zł 6.84

36.41%

Tomato (1kg)

$3.02 zł 11.23

$4.06 zł 15.10

-25.62%

Potato (1kg)

$0.89 zł 3.30

$0.94 zł 3.47

-5.32%

Onion (1kg)

$0.96 zł 3.57

$0.93 zł 3.44

3.23%

Lettuce (1 head)

$1.41 zł 5.23

$1.57 zł 5.82

-10.19%

Water (1.5 liter bottle)

$0.66 zł 2.47

$0.72 zł 2.68

-8.33%

Cigarettes 20 Pack (Marlboro, Camel)

$5.87 zł 21.79

$6.54 zł 24.28

-10.24%

Wine (Bottle)

$7.04 zł 26.15

$6.63 zł 24.64

6.18%

Local Beer (0.5 liter bottle)

$1.16 zł 4.32

$1.14 zł 4.24

1.75%

Imported Beer (0.33 liter bottle)

$1.85 zł 6.88

$1.88 zł 6.99

-1.60%

One-way Ticket (Public Transport)

$1.16 zł 4.31

$1.20 zł 4.47

-3.33%

Public Transport Monthly Pass (Regular Price)

$31.46 zł 117

$29.66 zł 110

6.07%

Taxi Start (Normal Tariff)

$1.66 zł 6.16

$2.63 zł 9.77

-36.88%

Taxi (Normal Tariff) (1km)

$0.56 zł 2.09

$1.32 zł 4.89

-57.58%

Taxi 1hour Waiting (Normal Tariff)

$9.50 zł 35.28

$13.55 zł 50.3

-29.89%

Gasoline (1 liter)

$1.59 zł 5.91

$1.68 zł 6.24

-5.36%

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

$32.1K zł 119.4K

$32.3K zł 119.9K

-0.39%

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

$28.4K zł 105.7K

$32.0K zł 118.9K

-11.11%

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

$330 zł 1,226

$372 zł 1,381

-11.25%

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

$9.21 zł 34.23

$8.79 zł 32.64

4.78%

Internet (50+ Mbps, Unlimited Data)

$17.80 zł 66.1

$17.37 zł 64.5

2.48%

Gym Membership (Monthly)

$43.48 zł 162

$51.6 zł 192

-15.70%

Tennis Court (1 Hour on Weekend)

$20.55 zł 76.4

$29.74 zł 110

-30.90%

Cinema Ticket

$8.47 zł 31.48

$9.82 zł 36.49

-13.75%

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

$533 zł 1,980

$608 zł 2,259

-12.36%

International Primary School, 1 Child (Yearly)

$11.0K zł 40.9K

$15.4K zł 57.2K

-28.61%

Jeans (Levis 501 Or Similar)

$76.0 zł 282

$115 zł 428

-33.97%

Summer Dress (H&M, Zara, etc)

$43.20 zł 160

$42.18 zł 157

2.42%

Sport Shoes (Adidas, Nike)

$95.3 zł 354

$116 zł 429

-17.49%

Men's Leather Business Shoes

$99.6 zł 370

$125 zł 466

-20.58%

1-bedroom Apartment, City Center (Monthly)

$645 zł 2,396

$1,250 zł 4,642

-48.39%

1-bedroom Apartment, Outside City Center (Monthly)

$524 zł 1,945

$984 zł 3,655

-46.78%

3-bedroom Apartment, City Center (Monthly)

$1,059 zł 3,935

$2,138 zł 7,942

-50.46%

3-bedroom Apartment, Outside City Center (Monthly)

$876 zł 3,255

$1,550 zł 5,757

-43.46%

Buy Apartment in City Center (m2)

$3,330 zł 12.4K

$6,397 zł 23.8K

-47.95%

Buy Apartment Outside City Center (m2)

$2,541 zł 9,438

$4,118 zł 15.3K

-38.31%

Average Monthly Net Salary (After Tax)

$2,103 zł 7,812

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 Lomza: August 30, 2026

Last update for Warsaw: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $645 in Lomza and $1,250 in Warsaw. Housing cost is often the main lever when comparing two cities.

Dining out: $48.00 in Lomza vs $62.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $230 vs $250 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

Lomza vs Warsaw: Cost of Living - Frequently Asked Questions

Lomza is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around. The 42% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,312 in Lomza and $3,277 in Warsaw 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: $645 in Lomza versus $1,250 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Lomza runs roughly 6% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $533 in Lomza versus $608 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,541 in Lomza versus $2,184 in Warsaw, a $1,500 budget is realistic in Lomza but tight or insufficient in Warsaw. The gap between the two cities makes Lomza the clear choice for anyone on this budget.

For families, Lomza is more practical. Housing and childcare are both notably cheaper than in Warsaw, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Lomza 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.

Expats usually find Lomza gentler on the wallet – expenses run 42% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.