Last update: Oct 2026

Cost of Living Comparison Between Siedlce and Warsaw

For one person, living is cheaper in Siedlce: $1,379 a month against $2,032 in Warsaw, rent and utilities included – about $7,800 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Siedlce
Learn more

Siedlce Living Index
99

Cost of Living Index in Warsaw
Learn more

Warsaw Living Index

Jump to prices

Siedlce

🇵🇱 Poland

$1,379

/mo nomad

Warsaw

🇵🇱 Poland

$2,032

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,379 in Siedlce versus $2,032 in Warsaw.

Siedlce $1,379
Warsaw $2,032

Estimated couple costs with rent: $1,999 in Siedlce versus $2,918 in Warsaw.

Siedlce $1,999
Warsaw $2,918

Monthly costs for a family of three with rent: $2,618 in Siedlce versus $3,804 in Warsaw.

Siedlce $2,618
Warsaw $3,804

Living in Siedlce costs roughly 32% less than in Warsaw, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Siedlce 2% above, Warsaw 50% above.

Meal at Budget Restaurant

$5.12 zł 19.91

$11.51 zł 44.72

-55.52%

Three-Course Dinner for Two, Mid-Range

$43.74 zł 170

$60.6 zł 236

-27.86%

Fast Food Meal (McDonalds, etc)

$6.48 zł 25.16

$10.00 zł 38.87

-35.20%

Cappuccino

$2.23 zł 8.67

$4.17 zł 16.22

-46.52%

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

$1.79 zł 6.97

$2.27 zł 8.81

-21.15%

Water (0.33 liter bottle)

$1.36 zł 5.30

$2.21 zł 8.61

-38.46%

Local Beer (0.5 liter draught)

$3.47 zł 13.48

$4.60 zł 17.87

-24.57%

Imported Beer (0.33 liter bottle)

$3.50 zł 13.59

$5.01 zł 19.47

-30.14%

Milk (1 liter)

$0.94 zł 3.66

$1.05 zł 4.07

-10.48%

White Bread (500g)

$1.00 zł 3.90

$1.52 zł 5.90

-34.21%

Rice (white) (1kg)

$1.35 zł 5.24

$1.54 zł 6.00

-12.34%

Eggs

$3.14 zł 12.19

$3.76 zł 14.60

-16.49%

Local Cheese (1kg)

$7.44 zł 28.90

$8.55 zł 33.22

-12.98%

Chicken Fillets (1kg)

$5.06 zł 19.67

$6.29 zł 24.43

-19.55%

Beef Round Steak (1kg)

$11.64 zł 45.22

$14.54 zł 56.5

-19.94%

Apples (1kg)

$0.49 zł 1.90

$1.17 zł 4.55

-58.12%

Banana (1kg)

$0.72 zł 2.81

$1.73 zł 6.73

-58.38%

Oranges (1kg)

$2.30 zł 8.93

$1.71 zł 6.66

34.50%

Tomato (1kg)

$2.84 zł 11.03

$4.04 zł 15.71

-29.70%

Potato (1kg)

$0.82 zł 3.19

$0.91 zł 3.53

-9.89%

Onion (1kg)

$0.86 zł 3.32

$0.86 zł 3.34

Lettuce (1 head)

$1.34 zł 5.19

$1.39 zł 5.39

-3.60%

Water (1.5 liter bottle)

$0.53 zł 2.06

$0.69 zł 2.67

-23.19%

Cigarettes 20 Pack (Marlboro, Camel)

$4.73 zł 18.38

$6.19 zł 24.04

-23.59%

Wine (Bottle)

$4.94 zł 19.19

$6.46 zł 25.10

-23.53%

Local Beer (0.5 liter bottle)

$1.15 zł 4.48

$1.10 zł 4.28

4.55%

Imported Beer (0.33 liter bottle)

$1.70 zł 6.60

$1.63 zł 6.35

4.29%

One-way Ticket (Public Transport)

$0.99 zł 3.85

$1.11 zł 4.31

-10.81%

Public Transport Monthly Pass (Regular Price)

$30.43 zł 118

$28.52 zł 111

6.70%

Taxi Start (Normal Tariff)

$1.56 zł 6.07

$2.47 zł 9.58

-36.84%

Taxi (Normal Tariff) (1km)

$0.58 zł 2.24

$1.31 zł 5.08

-55.73%

Taxi 1hour Waiting (Normal Tariff)

$9.28 zł 36.06

$12.87 zł 50.0

-27.89%

Gasoline (1 liter)

$1.63 zł 6.34

$1.75 zł 6.80

-6.86%

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

$30.0K zł 116.7K

$30.7K zł 119.4K

-2.27%

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

$25.9K zł 100.7K

$30.8K zł 119.5K

-15.68%

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

$308 zł 1,195

$341 zł 1,324

-9.79%

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

$8.74 zł 33.97

$9.00 zł 34.95

-2.89%

Internet (50+ Mbps, Unlimited Data)

$17.13 zł 66.6

$16.19 zł 62.9

5.81%

Gym Membership (Monthly)

$37.63 zł 146

$45.81 zł 178

-17.86%

Tennis Court (1 Hour on Weekend)

$21.91 zł 85.1

$27.81 zł 108

-21.22%

Cinema Ticket

$7.56 zł 29.37

$9.04 zł 35.12

-16.37%

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

$501 zł 1,945

$594 zł 2,306

-15.65%

International Primary School, 1 Child (Yearly)

$10.2K zł 39.6K

$14.3K zł 55.6K

-28.79%

Jeans (Levis 501 Or Similar)

$73.5 zł 285

$109 zł 424

-32.61%

Summer Dress (H&M, Zara, etc)

$40.50 zł 157

$40.12 zł 156

0.95%

Sport Shoes (Adidas, Nike)

$90.5 zł 351

$104 zł 405

-13.26%

Men's Leather Business Shoes

$97.6 zł 379

$111 zł 431

-12.03%

1-bedroom Apartment, City Center (Monthly)

$486 zł 1,887

$1,181 zł 4,587

-58.87%

1-bedroom Apartment, Outside City Center (Monthly)

$509 zł 1,978

$942 zł 3,659

-45.94%

3-bedroom Apartment, City Center (Monthly)

$970 zł 3,768

$2,074 zł 8,056

-53.22%

3-bedroom Apartment, Outside City Center (Monthly)

$874 zł 3,397

$1,533 zł 5,958

-42.98%

Buy Apartment in City Center (m2)

$2,088 zł 8,111

$5,932 zł 23.0K

-64.81%

Buy Apartment Outside City Center (m2)

$2,192 zł 8,516

$3,836 zł 14.9K

-42.85%

Average Monthly Net Salary (After Tax)

$995 zł 3,867

$2,049 zł 7,959

-51.41%

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 Siedlce: 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

Siedlce

$509 36.9%

Warsaw

$942 46.4% 85% $433

Monthly Utilities & Internet

Siedlce

$333 24.2%

Warsaw

$366 18% 9.8% $33

Groceries & Markets

Siedlce

$185 13.4%

Warsaw

$231 11.4% 24.7% $46

Clothing & Footwear

Siedlce

$136 9.9%

Warsaw

$164 8.1% 20.7% $28

Eating Out

Siedlce

$124 9%

Warsaw

$223 11% 79.7% $99

Sport & Entertainment

Siedlce

$53 3.8%

Warsaw

$64 3.1% 21.1% $11

Getting Around

Siedlce

$39 2.8%

Warsaw

$42 2.1% 8% $3.1

Cost Breakdown

A one-bedroom apartment in the center runs $486 in Siedlce and $1,181 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 106% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $44.00 in Siedlce vs $61.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $185 vs $231 per month, with Siedlce cheaper across the board.

Good to know

🇵🇱 Siedlce

🇵🇱 Warsaw

🕒 Local time

23:59 11:59 PM

Same time as Siedlce

🌤 Weather

👥 Population

77,645

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

On the map

Lowest

Highest

Between locations

Siedlce Warsaw 87 km

From you

Siedlce
Warsaw

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

Siedlce vs Warsaw: Cost of Living - Frequently Asked Questions

Siedlce wins on cost – living expenses run 47% lower than in Warsaw. Housing and daily spending are where you'll feel the difference most, making Siedlce the obvious pick if budget is a priority.

On paper, salaries run 106% lower in Warsaw. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $486 in Siedlce versus $1,181 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,379 per month in Siedlce versus $2,032 in Warsaw – a 47% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Siedlce runs roughly 7% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,379 in Siedlce versus $2,032 in Warsaw, a $1,000 budget is realistic in Siedlce but tight or insufficient in Warsaw. The gap between the two cities makes Siedlce the clear choice for anyone on this budget.

Both work as nomad bases, but Siedlce delivers better value – similar infrastructure at $1,379 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Siedlce hard to pass up.

Safety-wise, Siedlce 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 Siedlce gentler on the wallet – expenses run 47% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.