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: $1,476 in Lomza versus $2,040 in Warsaw.

Estimated couple costs with rent: $2,098 in Lomza versus $2,889 in Warsaw.

Monthly costs for a family of three with rent: $2,720 in Lomza versus $3,737 in Warsaw.

Living in Lomza costs roughly 28% less than in Warsaw, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Lomza 10% above, Warsaw 52% above.

Meal at Budget Restaurant

$9.48 zł 34.56

$11.04 zł 40.27

-14.13%

Three-Course Dinner for Two, Mid-Range

$40.65 zł 148

$58.1 zł 212

-30.06%

Fast Food Meal (McDonalds, etc)

$8.16 zł 29.75

$9.74 zł 35.52

-16.22%

Cappuccino

$3.19 zł 11.65

$4.29 zł 15.64

-25.64%

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

$2.12 zł 7.72

$2.11 zł 7.70

0.47%

Water (0.33 liter bottle)

$1.63 zł 5.95

$1.81 zł 6.62

-9.94%

Local Beer (0.5 liter draught)

$2.93 zł 10.70

$4.45 zł 16.23

-34.16%

Imported Beer (0.33 liter bottle)

$3.59 zł 13.08

$4.68 zł 17.08

-23.29%

Milk (1 liter)

$1.05 zł 3.83

$1.15 zł 4.20

-8.70%

White Bread (500g)

$1.23 zł 4.49

$1.36 zł 4.97

-9.56%

Rice (white) (1kg)

$1.61 zł 5.86

$1.84 zł 6.70

-12.50%

Eggs

$3.38 zł 12.33

$3.63 zł 13.24

-6.89%

Local Cheese (1kg)

$7.99 zł 29.12

$10.11 zł 36.87

-20.97%

Chicken Fillets (1kg)

$6.23 zł 22.74

$6.98 zł 25.45

-10.74%

Beef Round Steak (1kg)

$9.62 zł 35.07

$14.55 zł 53.1

-33.88%

Apples (1kg)

$1.14 zł 4.17

$1.29 zł 4.71

-11.63%

Banana (1kg)

$1.59 zł 5.81

$1.79 zł 6.51

-11.17%

Oranges (1kg)

$1.63 zł 5.95

$1.94 zł 7.06

-15.98%

Tomato (1kg)

$2.50 zł 9.11

$3.62 zł 13.21

-30.94%

Potato (1kg)

$0.98 zł 3.56

$1.06 zł 3.86

-7.55%

Onion (1kg)

$1.19 zł 4.34

$1.18 zł 4.29

0.85%

Lettuce (1 head)

$1.31 zł 4.76

$1.44 zł 5.25

-9.03%

Water (1.5 liter bottle)

$0.65 zł 2.36

$0.67 zł 2.43

-2.99%

Cigarettes 20 Pack (Marlboro, Camel)

$5.21 zł 18.99

$5.29 zł 19.30

-1.51%

Wine (Bottle)

$7.33 zł 26.74

$8.29 zł 30.24

-11.58%

Local Beer (0.5 liter bottle)

$1.07 zł 3.89

$1.43 zł 5.20

-25.17%

Imported Beer (0.33 liter bottle)

$1.80 zł 6.56

$1.88 zł 6.86

-4.26%

One-way Ticket (Public Transport)

$1.10 zł 4.02

$1.16 zł 4.23

-5.17%

Public Transport Monthly Pass (Regular Price)

$32.16 zł 117

$29.77 zł 109

8.03%

Taxi Start (Normal Tariff)

$2.14 zł 7.82

$2.63 zł 9.60

-18.63%

Taxi (Normal Tariff) (1km)

$0.77 zł 2.82

$0.98 zł 3.56

-21.43%

Taxi 1hour Waiting (Normal Tariff)

$10.56 zł 38.51

$13.42 zł 48.95

-21.31%

Gasoline (1 liter)

$1.79 zł 6.52

$1.71 zł 6.23

4.68%

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

$33.8K zł 123.1K

$33.4K zł 121.8K

1.06%

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

$30.7K zł 112.0K

$33.6K zł 122.5K

-8.61%

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

$290 zł 1,056

$357 zł 1,302

-18.91%

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

$7.64 zł 27.87

$10.03 zł 36.58

-23.83%

Internet (50+ Mbps, Unlimited Data)

$16.02 zł 58.4

$17.56 zł 64.0

-8.77%

Gym Membership (Monthly)

$37.01 zł 135

$44.87 zł 164

-17.52%

Tennis Court (1 Hour on Weekend)

$19.45 zł 70.9

$29.23 zł 107

-33.46%

Cinema Ticket

$8.47 zł 30.90

$9.70 zł 35.36

-12.68%

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

$503 zł 1,832

$580 zł 2,114

-13.31%

International Primary School, 1 Child (Yearly)

$4,707 zł 17.2K

$15.7K zł 57.1K

-69.96%

Jeans (Levis 501 Or Similar)

$90.3 zł 329

$99.2 zł 362

-9.03%

Summer Dress (H&M, Zara, etc)

$44.63 zł 163

$46.99 zł 171

-5.02%

Sport Shoes (Adidas, Nike)

$102 zł 373

$92.5 zł 337

10.44%

Men's Leather Business Shoes

$125 zł 456

$111 zł 404

12.84%

1-bedroom Apartment, City Center (Monthly)

$650 zł 2,370

$1,161 zł 4,233

-44.02%

1-bedroom Apartment, Outside City Center (Monthly)

$485 zł 1,769

$890 zł 3,244

-45.45%

3-bedroom Apartment, City Center (Monthly)

$971 zł 3,542

$2,033 zł 7,414

-52.23%

3-bedroom Apartment, Outside City Center (Monthly)

$823 zł 3,001

$1,526 zł 5,566

-46.09%

Buy Apartment in City Center (m2)

$3,137 zł 11.4K

$6,283 zł 22.9K

-50.07%

Buy Apartment Outside City Center (m2)

$2,130 zł 7,765

$4,074 zł 14.9K

-47.73%

Average Monthly Net Salary (After Tax)

$2,228 zł 8,126

20-Year Fixed Mortgage Interest Rate (Annual %)

6.28

7.55

-16.82%

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

Last update for Lomza: May 30, 2026

Last update for Warsaw: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $650 in Lomza and $1,161 in Warsaw. Housing cost is often the main lever when comparing two cities.

Dining out: $41.00 in Lomza vs $58.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $203 vs $246 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, Sport & Entertainment, Monthly Utilities & Internet. The 38% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,214 in Lomza and $3,059 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: $650 in Lomza versus $1,161 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 8% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $503 in Lomza versus $580 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,476 in Lomza versus $2,040 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 38% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.