Last update: Oct 2026

Cost of Living Comparison Between Swidnica and Warsaw

For one person, living is cheaper in Swidnica: $1,219 a month against $2,031 in Warsaw, rent and utilities included – about $9,700 less a year. Rent and utilities account for most of the difference.

59

Cost of Living Index in Swidnica
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Swidnica Living Index
97

Cost of Living Index in Warsaw
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Warsaw Living Index

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Swidnica

🇵🇱 Poland

$1,219

/mo nomad

Warsaw

🇵🇱 Poland

$2,031

/mo nomad

Monthly Cost of Living

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

A single person spends $1,219 per month in Swidnica vs $2,031 in Warsaw, rent included.

Swidnica $1,219
Warsaw $2,031

A couple spends around $1,890 per month in Swidnica vs $2,883 in Warsaw, rent included.

Swidnica $1,890
Warsaw $2,883

A family of three spends $2,562 per month in Swidnica vs $3,735 in Warsaw, rent included.

Swidnica $2,562
Warsaw $3,735

Swidnica is about 40% cheaper than Warsaw, and outside of rent the biggest gap is in eating out.

Swidnica sits 10% below the global median, while Warsaw is 49% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.83 zł 30.99

$11.51 zł 45.57

-31.97%

Three-Course Dinner for Two, Mid-Range

$25.29 zł 100

$60.0 zł 237

-57.82%

Fast Food Meal (McDonalds, etc)

$7.04 zł 27.85

$10.17 zł 40.25

-30.78%

Cappuccino

$3.02 zł 11.96

$4.26 zł 16.86

-29.11%

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

$2.13 zł 8.44

$2.22 zł 8.78

-4.05%

Water (0.33 liter bottle)

$1.89 zł 7.47

$2.20 zł 8.69

-14.09%

Local Beer (0.5 liter draught)

$2.51 zł 9.94

$4.67 zł 18.49

-46.25%

Imported Beer (0.33 liter bottle)

$5.03 zł 19.89

$5.10 zł 20.16

-1.37%

Milk (1 liter)

$1.04 zł 4.13

$1.04 zł 4.11

White Bread (500g)

$1.51 zł 6.00

$1.49 zł 5.91

1.34%

Rice (white) (1kg)

$1.50 zł 5.92

$1.55 zł 6.13

-3.23%

Eggs

$3.95 zł 15.63

$3.84 zł 15.20

2.86%

Local Cheese (1kg)

$9.28 zł 36.72

$8.98 zł 35.54

3.34%

Chicken Fillets (1kg)

$6.64 zł 26.26

$6.41 zł 25.35

3.59%

Beef Round Steak (1kg)

$11.86 zł 46.95

$14.32 zł 56.7

-17.18%

Apples (1kg)

$1.30 zł 5.15

$1.16 zł 4.61

12.07%

Banana (1kg)

$1.57 zł 6.20

$1.71 zł 6.76

-8.19%

Oranges (1kg)

$1.68 zł 6.63

$1.67 zł 6.59

0.60%

Tomato (1kg)

$3.44 zł 13.63

$4.07 zł 16.09

-15.48%

Potato (1kg)

$0.93 zł 3.68

$0.91 zł 3.61

2.20%

Onion (1kg)

$0.79 zł 3.11

$0.91 zł 3.62

-13.19%

Lettuce (1 head)

$1.45 zł 5.75

$1.45 zł 5.76

Water (1.5 liter bottle)

$0.71 zł 2.82

$0.64 zł 2.54

10.94%

Cigarettes 20 Pack (Marlboro, Camel)

$6.04 zł 23.91

$6.28 zł 24.87

-3.82%

Wine (Bottle)

$7.57 zł 29.96

$6.49 zł 25.66

16.64%

Local Beer (0.5 liter bottle)

$1.19 zł 4.72

$1.10 zł 4.37

8.18%

Imported Beer (0.33 liter bottle)

$1.84 zł 7.30

$1.73 zł 6.83

6.36%

One-way Ticket (Public Transport)

$1.09 zł 4.30

$1.13 zł 4.47

-3.54%

Public Transport Monthly Pass (Regular Price)

$28.32 zł 112

$27.61 zł 109

2.57%

Taxi Start (Normal Tariff)

$2.58 zł 10.22

$2.62 zł 10.35

-1.53%

Taxi (Normal Tariff) (1km)

$0.99 zł 3.92

$1.23 zł 4.88

-19.51%

Taxi 1hour Waiting (Normal Tariff)

$10.23 zł 40.47

$12.79 zł 50.6

-20.02%

Gasoline (1 liter)

$1.66 zł 6.56

$1.69 zł 6.68

-1.78%

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

$29.9K zł 118.2K

$30.9K zł 122.2K

-3.26%

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

$29.0K zł 114.7K

$29.5K zł 116.7K

-1.74%

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

$199 zł 788

$345 zł 1,364

-42.23%

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

$9.55 zł 37.79

$8.92 zł 35.30

7.06%

Internet (50+ Mbps, Unlimited Data)

$12.49 zł 49.41

$15.86 zł 62.8

-21.25%

Gym Membership (Monthly)

$37.52 zł 148

$46.80 zł 185

-19.83%

Tennis Court (1 Hour on Weekend)

$21.93 zł 86.8

$27.37 zł 108

-19.88%

Cinema Ticket

$6.98 zł 27.60

$8.94 zł 35.39

-21.92%

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

$475 zł 1,879

$592 zł 2,341

-19.75%

International Primary School, 1 Child (Yearly)

$11.8K zł 46.7K

$14.6K zł 58.0K

-19.48%

Jeans (Levis 501 Or Similar)

$92.3 zł 365

$105 zł 416

-12.27%

Summer Dress (H&M, Zara, etc)

$38.47 zł 152

$39.69 zł 157

-3.07%

Sport Shoes (Adidas, Nike)

$92.7 zł 367

$104 zł 410

-10.48%

Men's Leather Business Shoes

$107 zł 423

$111 zł 439

-3.62%

1-bedroom Apartment, City Center (Monthly)

$590 zł 2,334

$1,136 zł 4,494

-48.07%

1-bedroom Apartment, Outside City Center (Monthly)

$371 zł 1,470

$938 zł 3,711

-60.39%

3-bedroom Apartment, City Center (Monthly)

$974 zł 3,855

$2,147 zł 8,495

-54.62%

3-bedroom Apartment, Outside City Center (Monthly)

$822 zł 3,252

$1,463 zł 5,791

-43.84%

Buy Apartment in City Center (m2)

$2,938 zł 11.6K

$5,917 zł 23.4K

-50.35%

Buy Apartment Outside City Center (m2)

$2,228 zł 8,817

$3,905 zł 15.5K

-42.94%

Average Monthly Net Salary (After Tax)

$1,020 zł 4,038

$2,097 zł 8,297

-51.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

4.63%

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

Last update for Swidnica: October 24, 2026

Last update for Warsaw: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Swidnica

$371 30.5%

Warsaw

$938 46.2% 153% $566

Groceries & Markets

Swidnica

$227 18.7%

Warsaw

$232 11.4% 2% $4.6

Monthly Utilities & Internet

Swidnica

$221 18.2%

Warsaw

$370 18.2% 67.1% $148

Eating Out

Swidnica

$159 13%

Warsaw

$225 11.1% 41.7% $66

Clothing & Footwear

Swidnica

$149 12.2%

Warsaw

$162 8% 8.8% $13

Sport & Entertainment

Swidnica

$51 4.2%

Warsaw

$65 3.2% 25.7% $13

Getting Around

Swidnica

$40 3.3%

Warsaw

$41 2% 1.7% $0.7

Cost Breakdown

A central one-bedroom costs $590 in Swidnica versus $1,136 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 in Warsaw are about 2.1 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $25 in Swidnica versus $60 in Warsaw. Monthly groceries follow the same trend: $227 vs $232 – making Swidnica the more affordable choice for daily food spending.

Good to know

🇵🇱 Swidnica

🇵🇱 Warsaw

🕒 Local time

23:27 11:27 PM

Same time as Swidnica

🌤 Weather

👥 Population

55,800

1,861,599 Capital

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

On the map

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Between locations

Swidnica Warsaw 350 km

From you

Swidnica
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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

Swidnica vs Warsaw: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,219 in Swidnica, $2,031 in Warsaw – Swidnica comes out roughly 40% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,828 per month in Swidnica and $3,047 in Warsaw. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Swidnica, especially for central apartments: a one-bedroom in the center costs $590 there versus $1,136 in Warsaw.

Monthly expenses with rent come to $1,219 in Swidnica and $2,031 in Warsaw. That makes Swidnica about 40% cheaper.

Kindergarten costs $475 per month in Swidnica and $592 in Warsaw. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Swidnica, where all-in costs run around $1,219, than in Warsaw at $2,031. In Swidnica it covers expenses comfortably, while in Warsaw it requires careful planning or may not stretch far enough.

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

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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