Last update: Oct 2026

Cost of Living Comparison Between Swinoujscie and Warsaw

For one person, living is cheaper in Swinoujscie: $1,415 a month against $2,051 in Warsaw, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

69

Cost of Living Index in Swinoujscie
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Swinoujscie Living Index
100

Cost of Living Index in Warsaw
Learn more

Warsaw Living Index

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Swinoujscie

🇵🇱 Poland

$1,415

/mo nomad

Warsaw

🇵🇱 Poland

$2,051

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,415 in Swinoujscie versus $2,051 in Warsaw.

Swinoujscie $1,415
Warsaw $2,051

Estimated couple costs with rent: $2,048 in Swinoujscie versus $2,950 in Warsaw.

Swinoujscie $2,048
Warsaw $2,950

Monthly costs for a family of three with rent: $2,681 in Swinoujscie versus $3,850 in Warsaw.

Swinoujscie $2,681
Warsaw $3,850

Living in Swinoujscie costs roughly 31% less than in Warsaw, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Swinoujscie 4% above, Warsaw 51% above.

Meal at Budget Restaurant

$9.75 zł 37.90

$11.43 zł 44.39

-14.70%

Three-Course Dinner for Two, Mid-Range

$41.32 zł 161

$62.0 zł 241

-33.34%

Fast Food Meal (McDonalds, etc)

$8.76 zł 34.04

$10.30 zł 40.03

-14.95%

Cappuccino

$3.41 zł 13.23

$4.22 zł 16.38

-19.19%

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

$2.08 zł 8.08

$2.21 zł 8.59

-5.88%

Water (0.33 liter bottle)

$1.59 zł 6.18

$2.20 zł 8.54

-27.73%

Local Beer (0.5 liter draught)

$3.52 zł 13.66

$4.59 zł 17.84

-23.31%

Imported Beer (0.33 liter bottle)

$3.85 zł 14.98

$5.01 zł 19.46

-23.15%

Milk (1 liter)

$0.94 zł 3.64

$1.10 zł 4.27

-14.55%

White Bread (500g)

$1.50 zł 5.81

$1.47 zł 5.71

2.04%

Rice (white) (1kg)

$0.72 zł 2.81

$1.62 zł 6.29

-55.56%

Eggs

$2.88 zł 11.17

$3.92 zł 15.22

-26.53%

Local Cheese (1kg)

$8.89 zł 34.53

$9.08 zł 35.28

-2.09%

Chicken Fillets (1kg)

$6.23 zł 24.22

$6.39 zł 24.82

-2.50%

Beef Round Steak (1kg)

$11.92 zł 46.30

$14.50 zł 56.3

-17.79%

Apples (1kg)

$1.17 zł 4.54

$1.17 zł 4.55

Banana (1kg)

$1.24 zł 4.82

$1.75 zł 6.81

-29.14%

Oranges (1kg)

$1.44 zł 5.60

$1.76 zł 6.84

-18.18%

Tomato (1kg)

$2.34 zł 9.11

$4.08 zł 15.87

-42.65%

Potato (1kg)

$0.66 zł 2.57

$0.90 zł 3.51

-26.67%

Onion (1kg)

$0.85 zł 3.30

$0.94 zł 3.64

-9.57%

Lettuce (1 head)

$1.24 zł 4.80

$1.41 zł 5.48

-12.06%

Water (1.5 liter bottle)

$0.68 zł 2.63

$0.70 zł 2.74

-2.86%

Cigarettes 20 Pack (Marlboro, Camel)

$5.41 zł 21.03

$6.37 zł 24.76

-15.07%

Wine (Bottle)

$6.43 zł 24.98

$6.48 zł 25.16

-0.77%

Local Beer (0.5 liter bottle)

$1.08 zł 4.21

$1.16 zł 4.51

-6.90%

Imported Beer (0.33 liter bottle)

$1.54 zł 6.00

$1.73 zł 6.71

-10.98%

One-way Ticket (Public Transport)

$1.04 zł 4.03

$1.16 zł 4.51

-10.34%

Public Transport Monthly Pass (Regular Price)

$30.39 zł 118

$28.24 zł 110

7.61%

Taxi Start (Normal Tariff)

$2.06 zł 8.01

$2.55 zł 9.91

-19.22%

Taxi (Normal Tariff) (1km)

$0.74 zł 2.89

$1.26 zł 4.90

-41.27%

Taxi 1hour Waiting (Normal Tariff)

$9.99 zł 38.82

$12.94 zł 50.3

-22.80%

Gasoline (1 liter)

$1.60 zł 6.21

$1.76 zł 6.86

-9.09%

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

$30.4K zł 117.9K

$30.6K zł 119.0K

-0.88%

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

$27.2K zł 105.7K

$30.5K zł 118.4K

-10.73%

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

$273 zł 1,061

$340 zł 1,323

-19.76%

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

$8.65 zł 33.60

$9.07 zł 35.22

-4.63%

Internet (50+ Mbps, Unlimited Data)

$17.29 zł 67.2

$16.28 zł 63.3

6.20%

Gym Membership (Monthly)

$38.91 zł 151

$47.15 zł 183

-17.48%

Tennis Court (1 Hour on Weekend)

$21.54 zł 83.7

$28.50 zł 111

-24.42%

Cinema Ticket

$7.05 zł 27.38

$9.01 zł 35.02

-21.75%

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

$363 zł 1,410

$599 zł 2,327

-39.40%

International Primary School, 1 Child (Yearly)

$7,877 zł 30.6K

$14.3K zł 55.7K

-45.07%

Jeans (Levis 501 Or Similar)

$79.9 zł 310

$106 zł 414

-24.94%

Summer Dress (H&M, Zara, etc)

$38.36 zł 149

$39.28 zł 153

-2.34%

Sport Shoes (Adidas, Nike)

$88.1 zł 342

$107 zł 416

-17.82%

Men's Leather Business Shoes

$100 zł 390

$111 zł 433

-9.87%

1-bedroom Apartment, City Center (Monthly)

$616 zł 2,392

$1,173 zł 4,557

-47.50%

1-bedroom Apartment, Outside City Center (Monthly)

$498 zł 1,934

$956 zł 3,713

-47.92%

3-bedroom Apartment, City Center (Monthly)

$969 zł 3,765

$2,103 zł 8,170

-53.92%

3-bedroom Apartment, Outside City Center (Monthly)

$811 zł 3,149

$1,559 zł 6,056

-47.99%

Buy Apartment in City Center (m2)

$2,101 zł 8,165

$6,040 zł 23.5K

-65.21%

Buy Apartment Outside City Center (m2)

$1,471 zł 5,716

$3,932 zł 15.3K

-62.58%

Average Monthly Net Salary (After Tax)

$1,808 zł 7,024

$2,093 zł 8,133

-13.64%

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 Swinoujscie: October 17, 2026

Last update for Warsaw: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Swinoujscie

$498 35.2%

Warsaw

$956 46.6% 92% $458

Monthly Utilities & Internet

Swinoujscie

$299 21.2%

Warsaw

$366 17.8% 22.3% $67

Groceries & Markets

Swinoujscie

$201 14.2%

Warsaw

$235 11.5% 16.9% $34

Eating Out

Swinoujscie

$185 13.1%

Warsaw

$224 10.9% 20.7% $38

Clothing & Footwear

Swinoujscie

$138 9.8%

Warsaw

$164 8% 18.8% $26

Sport & Entertainment

Swinoujscie

$53 3.8%

Warsaw

$65 3.2% 23% $12

Getting Around

Swinoujscie

$40 2.9%

Warsaw

$42 2% 3.5% $1.4

Cost Breakdown

A one-bedroom apartment in the center runs $616 in Swinoujscie and $1,173 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 16% 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: $41.00 in Swinoujscie vs $62.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $201 vs $235 per month, with Swinoujscie cheaper across the board.

Good to know

🇵🇱 Swinoujscie

🇵🇱 Warsaw

🕒 Local time

23:19 11:19 PM

Same time as Swinoujscie

🌤 Weather

👥 Population

38,728

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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From you

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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

Swinoujscie vs Warsaw: Cost of Living - Frequently Asked Questions

Swinoujscie wins on cost – living expenses run 45% lower than in Warsaw. Housing and daily spending are where you'll feel the difference most, making Swinoujscie the obvious pick if budget is a priority.

On paper, salaries run 16% 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: $616 in Swinoujscie versus $1,173 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Swinoujscie 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 $363 in Swinoujscie versus $599 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,415 in Swinoujscie versus $2,051 in Warsaw, a $1,000 budget is realistic in Swinoujscie but tight or insufficient in Warsaw. The gap between the two cities makes Swinoujscie the clear choice for anyone on this budget.

Both work as nomad bases, but Swinoujscie delivers better value – similar infrastructure at $1,415 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Swinoujscie hard to pass up.

Safety-wise, Swinoujscie 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 Swinoujscie gentler on the wallet – expenses run 45% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.