Last update: Oct 2026

Cost of Living Comparison Between Lomza and Warsaw

For one person, living is cheaper in Lomza: $1,483 a month against $2,032 in Warsaw, rent and utilities included – about $6,600 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
99

Cost of Living Index in Warsaw
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Warsaw Living Index

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Lomza

🇵🇱 Poland

$1,483

/mo nomad

Warsaw

🇵🇱 Poland

$2,032

/mo nomad

Monthly Cost of Living

How much you'll spend in Lomza 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 Lomza and in Warsaw actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,483 in Lomza versus $2,032 in Warsaw.

Lomza $1,483
Warsaw $2,032

Estimated couple costs with rent: $2,144 in Lomza versus $2,918 in Warsaw.

Lomza $2,144
Warsaw $2,918

Monthly costs for a family of three with rent: $2,805 in Lomza versus $3,804 in Warsaw.

Lomza $2,805
Warsaw $3,804

Living in Lomza 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: Lomza 10% above, Warsaw 50% above.

Meal at Budget Restaurant

$9.52 zł 37.00

$11.51 zł 44.72

-17.29%

Three-Course Dinner for Two, Mid-Range

$46.51 zł 181

$60.6 zł 236

-23.29%

Fast Food Meal (McDonalds, etc)

$9.00 zł 34.98

$10.00 zł 38.87

-10.00%

Cappuccino

$3.66 zł 14.22

$4.17 zł 16.22

-12.23%

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

$2.64 zł 10.25

$2.27 zł 8.81

16.30%

Water (0.33 liter bottle)

$2.76 zł 10.73

$2.21 zł 8.61

24.89%

Local Beer (0.5 liter draught)

$4.71 zł 18.28

$4.60 zł 17.87

2.39%

Imported Beer (0.33 liter bottle)

$5.05 zł 19.61

$5.01 zł 19.47

0.80%

Milk (1 liter)

$1.03 zł 3.98

$1.05 zł 4.07

-1.90%

White Bread (500g)

$1.07 zł 4.15

$1.52 zł 5.90

-29.61%

Rice (white) (1kg)

$1.39 zł 5.39

$1.54 zł 6.00

-9.74%

Eggs

$3.42 zł 13.29

$3.76 zł 14.60

-9.04%

Local Cheese (1kg)

$10.65 zł 41.39

$8.55 zł 33.22

24.56%

Chicken Fillets (1kg)

$6.81 zł 26.44

$6.29 zł 24.43

8.27%

Beef Round Steak (1kg)

$11.64 zł 45.24

$14.54 zł 56.5

-19.94%

Apples (1kg)

$1.18 zł 4.60

$1.17 zł 4.55

0.85%

Banana (1kg)

$1.61 zł 6.27

$1.73 zł 6.73

-6.94%

Oranges (1kg)

$2.36 zł 9.15

$1.71 zł 6.66

38.01%

Tomato (1kg)

$3.00 zł 11.66

$4.04 zł 15.71

-25.74%

Potato (1kg)

$0.79 zł 3.06

$0.91 zł 3.53

-13.19%

Onion (1kg)

$0.88 zł 3.42

$0.86 zł 3.34

2.33%

Lettuce (1 head)

$1.38 zł 5.34

$1.39 zł 5.39

-0.72%

Water (1.5 liter bottle)

$0.59 zł 2.28

$0.69 zł 2.67

-14.49%

Cigarettes 20 Pack (Marlboro, Camel)

$5.82 zł 22.63

$6.19 zł 24.04

-5.98%

Wine (Bottle)

$6.66 zł 25.88

$6.46 zł 25.10

3.10%

Local Beer (0.5 liter bottle)

$1.10 zł 4.29

$1.10 zł 4.28

Imported Beer (0.33 liter bottle)

$1.68 zł 6.51

$1.63 zł 6.35

3.07%

One-way Ticket (Public Transport)

$1.12 zł 4.34

$1.11 zł 4.31

0.90%

Public Transport Monthly Pass (Regular Price)

$29.42 zł 114

$28.52 zł 111

3.16%

Taxi Start (Normal Tariff)

$1.59 zł 6.17

$2.47 zł 9.58

-35.63%

Taxi (Normal Tariff) (1km)

$0.59 zł 2.28

$1.31 zł 5.08

-54.96%

Taxi 1hour Waiting (Normal Tariff)

$9.37 zł 36.39

$12.87 zł 50.0

-27.20%

Gasoline (1 liter)

$1.60 zł 6.23

$1.75 zł 6.80

-8.57%

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

$30.1K zł 116.8K

$30.7K zł 119.4K

-2.13%

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

$26.9K zł 104.6K

$30.8K zł 119.5K

-12.44%

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

$316 zł 1,227

$341 zł 1,324

-7.32%

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

$8.65 zł 33.59

$9.00 zł 34.95

-3.89%

Internet (50+ Mbps, Unlimited Data)

$17.11 zł 66.5

$16.19 zł 62.9

5.68%

Gym Membership (Monthly)

$32.54 zł 126

$45.81 zł 178

-28.97%

Tennis Court (1 Hour on Weekend)

$23.27 zł 90.4

$27.81 zł 108

-16.33%

Cinema Ticket

$8.12 zł 31.54

$9.04 zł 35.12

-10.18%

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

$509 zł 1,978

$594 zł 2,306

-14.22%

International Primary School, 1 Child (Yearly)

$10.3K zł 40.1K

$14.3K zł 55.6K

-27.93%

Jeans (Levis 501 Or Similar)

$74.7 zł 290

$109 zł 424

-31.46%

Summer Dress (H&M, Zara, etc)

$40.74 zł 158

$40.12 zł 156

1.55%

Sport Shoes (Adidas, Nike)

$90.1 zł 350

$104 zł 405

-13.62%

Men's Leather Business Shoes

$95.7 zł 372

$111 zł 431

-13.77%

1-bedroom Apartment, City Center (Monthly)

$608 zł 2,363

$1,181 zł 4,587

-48.48%

1-bedroom Apartment, Outside City Center (Monthly)

$496 zł 1,927

$942 zł 3,659

-47.34%

3-bedroom Apartment, City Center (Monthly)

$969 zł 3,766

$2,074 zł 8,056

-53.25%

3-bedroom Apartment, Outside City Center (Monthly)

$809 zł 3,142

$1,533 zł 5,958

-47.26%

Buy Apartment in City Center (m2)

$2,957 zł 11.5K

$5,932 zł 23.0K

-50.16%

Buy Apartment Outside City Center (m2)

$2,539 zł 9,864

$3,836 zł 14.9K

-33.82%

Average Monthly Net Salary (After Tax)

$2,049 zł 7,959

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: October 11, 2026

Last update for Warsaw: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Lomza

$496 33.5%

Warsaw

$942 46.4% 89.9% $446

Monthly Utilities & Internet

Lomza

$342 23%

Warsaw

$366 18% 7.1% $24

Groceries & Markets

Lomza

$220 14.8%

Warsaw

$231 11.4% 4.9% $11

Eating Out

Lomza

$202 13.7%

Warsaw

$223 11% 10.3% $21

Clothing & Footwear

Lomza

$136 9.1%

Warsaw

$164 8.1% 21% $28

Sport & Entertainment

Lomza

$49 3.3%

Warsaw

$64 3.1% 31% $15

Getting Around

Lomza

$38 2.6%

Warsaw

$42 2.1% 9.2% $3.6

Cost Breakdown

A one-bedroom apartment in the center runs $608 in Lomza and $1,181 in Warsaw. Housing cost is often the main lever when comparing two cities.

Dining out: $47.00 in Lomza vs $61.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $220 vs $231 per month, with Lomza cheaper across the board.

Good to know

🇵🇱 Lomza

🇵🇱 Warsaw

🕒 Local time

01:08 1:08 AM

Same time as Lomza

🌤 Weather

👥 Population

62,711

1,861,599 Capital

💱 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

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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 Warsaw: Cost of Living - Frequently Asked Questions

Lomza is cheaper overall, especially in groceries, eating out, and clothing. The 37% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,224 in Lomza and $3,048 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: $608 in Lomza versus $1,181 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 3% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $509 in Lomza versus $594 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,483 in Lomza versus $2,032 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 37% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.