Last update: Oct 2026

Cost of Living Comparison Between Suwalki and Warsaw

For one person, living is cheaper in Suwalki: $1,460 a month against $2,032 in Warsaw, rent and utilities included – about $6,900 less a year. Rent and utilities account for most of the difference.

71

Cost of Living Index in Suwalki
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Suwalki Living Index
99

Cost of Living Index in Warsaw
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Warsaw Living Index

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Suwalki

🇵🇱 Poland

$1,460

/mo nomad

Warsaw

🇵🇱 Poland

$2,032

/mo nomad

Monthly Cost of Living

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

A single person spends $1,460 per month in Suwalki vs $2,032 in Warsaw, rent included.

Suwalki $1,460
Warsaw $2,032

A couple spends around $2,030 per month in Suwalki vs $2,918 in Warsaw, rent included.

Suwalki $2,030
Warsaw $2,918

A family of three spends $2,599 per month in Suwalki vs $3,804 in Warsaw, rent included.

Suwalki $2,599
Warsaw $3,804

Suwalki is about 28% cheaper than Warsaw, and outside of rent the biggest gap is in eating out.

Both Suwalki and Warsaw sit above the global median – Suwalki by 8%, Warsaw by 50%.

Meal at Budget Restaurant

$5.22 zł 20.30

$11.51 zł 44.72

-54.65%

Three-Course Dinner for Two, Mid-Range

$20.41 zł 79.3

$60.6 zł 236

-66.34%

Fast Food Meal (McDonalds, etc)

$9.14 zł 35.51

$10.00 zł 38.87

-8.60%

Cappuccino

$3.21 zł 12.48

$4.17 zł 16.22

-23.02%

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

$0.88 zł 3.40

$2.27 zł 8.81

-61.23%

Water (0.33 liter bottle)

$2.26 zł 8.79

$2.21 zł 8.61

2.26%

Local Beer (0.5 liter draught)

$4.70 zł 18.26

$4.60 zł 17.87

2.17%

Imported Beer (0.33 liter bottle)

$5.11 zł 19.83

$5.01 zł 19.47

2.00%

Milk (1 liter)

$0.96 zł 3.72

$1.05 zł 4.07

-8.57%

White Bread (500g)

$0.90 zł 3.51

$1.52 zł 5.90

-40.79%

Rice (white) (1kg)

$1.07 zł 4.16

$1.54 zł 6.00

-30.52%

Eggs

$2.69 zł 10.44

$3.76 zł 14.60

-28.46%

Local Cheese (1kg)

$7.79 zł 30.26

$8.55 zł 33.22

-8.89%

Chicken Fillets (1kg)

$5.24 zł 20.37

$6.29 zł 24.43

-16.69%

Beef Round Steak (1kg)

$6.23 zł 24.21

$14.54 zł 56.5

-57.15%

Apples (1kg)

$0.77 zł 3.01

$1.17 zł 4.55

-34.19%

Banana (1kg)

$1.66 zł 6.46

$1.73 zł 6.73

-4.05%

Oranges (1kg)

$1.74 zł 6.76

$1.71 zł 6.66

1.75%

Tomato (1kg)

$3.96 zł 15.39

$4.04 zł 15.71

-1.98%

Potato (1kg)

$0.53 zł 2.07

$0.91 zł 3.53

-41.76%

Onion (1kg)

$0.86 zł 3.33

$0.86 zł 3.34

Lettuce (1 head)

$1.12 zł 4.33

$1.39 zł 5.39

-19.42%

Water (1.5 liter bottle)

$0.37 zł 1.43

$0.69 zł 2.67

-46.38%

Cigarettes 20 Pack (Marlboro, Camel)

$6.23 zł 24.21

$6.19 zł 24.04

0.65%

Wine (Bottle)

$6.19 zł 24.05

$6.46 zł 25.10

-4.18%

Local Beer (0.5 liter bottle)

$1.11 zł 4.31

$1.10 zł 4.28

0.91%

Imported Beer (0.33 liter bottle)

$1.63 zł 6.35

One-way Ticket (Public Transport)

$1.05 zł 4.06

$1.11 zł 4.31

-5.41%

Public Transport Monthly Pass (Regular Price)

$30.22 zł 117

$28.52 zł 111

5.96%

Taxi Start (Normal Tariff)

$2.57 zł 9.98

$2.47 zł 9.58

4.05%

Taxi (Normal Tariff) (1km)

$1.25 zł 4.86

$1.31 zł 5.08

-4.58%

Taxi 1hour Waiting (Normal Tariff)

$12.84 zł 49.87

$12.87 zł 50.0

-0.23%

Gasoline (1 liter)

$1.78 zł 6.90

$1.75 zł 6.80

1.71%

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

$30.6K zł 118.9K

$30.7K zł 119.4K

-0.44%

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

$30.6K zł 118.8K

$30.8K zł 119.5K

-0.57%

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

$341 zł 1,326

$341 zł 1,324

0.14%

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

$9.21 zł 35.78

$9.00 zł 34.95

2.33%

Internet (50+ Mbps, Unlimited Data)

$15.89 zł 61.7

$16.19 zł 62.9

-1.85%

Gym Membership (Monthly)

$38.37 zł 149

$45.81 zł 178

-16.24%

Tennis Court (1 Hour on Weekend)

$24.80 zł 96.4

$27.81 zł 108

-10.82%

Cinema Ticket

$8.98 zł 34.89

$9.04 zł 35.12

-0.66%

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

$588 zł 2,283

$594 zł 2,306

-1.03%

International Primary School, 1 Child (Yearly)

$14.5K zł 56.4K

$14.3K zł 55.6K

1.31%

Jeans (Levis 501 Or Similar)

$109 zł 423

$109 zł 424

-0.07%

Summer Dress (H&M, Zara, etc)

$39.37 zł 153

$40.12 zł 156

-1.87%

Sport Shoes (Adidas, Nike)

$106 zł 412

$104 zł 405

1.59%

Men's Leather Business Shoes

$112 zł 434

$111 zł 431

0.67%

1-bedroom Apartment, City Center (Monthly)

$606 zł 2,354

$1,181 zł 4,587

-48.68%

1-bedroom Apartment, Outside City Center (Monthly)

$500 zł 1,942

$942 zł 3,659

-46.94%

3-bedroom Apartment, City Center (Monthly)

$1,002 zł 3,891

$2,074 zł 8,056

-51.70%

3-bedroom Apartment, Outside City Center (Monthly)

$825 zł 3,207

$1,533 zł 5,958

-46.17%

Buy Apartment in City Center (m2)

$3,067 zł 11.9K

$5,932 zł 23.0K

-48.29%

Buy Apartment Outside City Center (m2)

$2,388 zł 9,276

$3,836 zł 14.9K

-37.76%

Average Monthly Net Salary (After Tax)

$1,459 zł 5,669

$2,049 zł 7,959

-28.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

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

Last update for Suwalki: October 12, 2026

Last update for Warsaw: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Suwalki

$500 34.2%

Warsaw

$942 46.4% 88.4% $442

Monthly Utilities & Internet

Suwalki

$366 25.1%

Warsaw

$366 18% 0.1% $0.4

Groceries & Markets

Suwalki

$176 12%

Warsaw

$231 11.4% 31.2% $55

Clothing & Footwear

Suwalki

$165 11.3%

Warsaw

$164 8.1% 0.4% $0.7

Eating Out

Suwalki

$154 10.6%

Warsaw

$223 11% 44.9% $69

Sport & Entertainment

Suwalki

$56 3.9%

Warsaw

$64 3.1% 13.4% $7.6

Getting Around

Suwalki

$43 3%

Warsaw

$42 2.1% 2.9% $1.3

Cost Breakdown

A central one-bedroom costs $606 in Suwalki versus $1,181 in Warsaw. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 40% higher in Warsaw, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $20.00 in Suwalki versus $61.0 in Warsaw. Monthly groceries follow the same trend: $176 vs $231 – making Suwalki the more affordable choice for daily food spending.

Good to know

🇵🇱 Suwalki

🇵🇱 Warsaw

🕒 Local time

01:08 1:08 AM

Same time as Suwalki

🌤 Weather

👥 Population

69,575

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

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Between locations

Suwalki Warsaw 240 km

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Suwalki
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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

Suwalki vs Warsaw: Cost of Living - Frequently Asked Questions

Yes – Warsaw is pricier by about 39%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,191 per month in Suwalki and $3,048 in Warsaw. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Suwalki, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 6% less in Suwalki. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $588 per month in Suwalki and $594 in Warsaw. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Suwalki, where all-in costs run around $1,460, than in Warsaw at $2,032. In Suwalki it covers expenses comfortably, while in Warsaw it requires careful planning or may not stretch far enough.

Families tend to lean toward Suwalki – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Suwalki. If higher salaries, better infrastructure, or specific career opportunities are the priority, Warsaw makes more sense. Both are solid long-term options with distinct trade-offs.