Last update: Oct 2026

Cost of Living Comparison Between Tarnow and Austin, TX

For one person, living is cheaper in Tarnow: $1,177 a month against $2,663 in Austin, TX, rent and utilities included – about $17,800 less a year. Rent and utilities account for most of the difference.

57

Cost of Living Index in Tarnow
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Tarnow Living Index
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Tarnow

🇵🇱 Poland

$1,177

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Tarnow and in Austin, TX

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Tarnow and in Austin, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,177 in Tarnow versus $2,663 in Austin, TX.

Tarnow $1,177
Austin, TX $2,663

Estimated couple costs with rent: $1,635 in Tarnow versus $4,133 in Austin, TX.

Tarnow $1,635
Austin, TX $4,133

Monthly costs for a family of three with rent: $2,092 in Tarnow versus $5,603 in Austin, TX.

Tarnow $2,092
Austin, TX $5,603

Living in Tarnow costs roughly 56% less than in Austin, TX, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Tarnow is 13% below, Austin, TX is 97% above.

Meal at Budget Restaurant

$10.26 zł 39.87

$20.77 $20.77

-50.60%

Three-Course Dinner for Two, Mid-Range

$25.56 zł 99.3

$84.6 $84.6

-69.78%

Fast Food Meal (McDonalds, etc)

$6.35 zł 24.66

$12.32 $12.32

-48.46%

Cappuccino

$2.47 zł 9.58

$5.63 $5.63

-56.13%

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

$2.14 zł 8.32

$3.72 $3.72

-42.47%

Water (0.33 liter bottle)

$1.30 zł 5.05

$2.50 $2.50

-48.00%

Local Beer (0.5 liter draught)

$3.75 zł 14.56

$8.05 $8.05

-53.42%

Imported Beer (0.33 liter bottle)

$3.87 zł 15.05

$9.01 $9.01

-57.05%

Milk (1 liter)

$1.01 zł 3.91

$1.12 $1.12

-9.82%

White Bread (500g)

$1.18 zł 4.60

$3.75 $3.75

-68.53%

Rice (white) (1kg)

$1.24 zł 4.83

$3.26 $3.26

-61.96%

Eggs

$2.37 zł 9.21

$4.17 $4.17

-43.17%

Local Cheese (1kg)

$7.56 zł 29.38

$12.90 $12.90

-41.40%

Chicken Fillets (1kg)

$5.61 zł 21.79

$14.16 $14.16

-60.38%

Beef Round Steak (1kg)

$9.74 zł 37.84

$16.22 $16.22

-39.95%

Apples (1kg)

$0.77 zł 3.00

$4.33 $4.33

-82.22%

Banana (1kg)

$1.52 zł 5.89

$1.46 $1.46

4.11%

Oranges (1kg)

$1.24 zł 4.84

$4.51 $4.51

-72.51%

Tomato (1kg)

$1.93 zł 7.49

$4.34 $4.34

-55.53%

Potato (1kg)

$0.72 zł 2.81

$2.58 $2.58

-72.09%

Onion (1kg)

$1.01 zł 3.91

$2.35 $2.35

-57.02%

Lettuce (1 head)

$1.00 zł 3.87

$1.78 $1.78

-43.82%

Water (1.5 liter bottle)

$0.79 zł 3.09

$2.22 $2.22

-64.41%

Cigarettes 20 Pack (Marlboro, Camel)

$4.22 zł 16.40

$9.88 $9.88

-57.29%

Wine (Bottle)

$6.50 zł 25.25

$15.08 $15.08

-56.90%

Local Beer (0.5 liter bottle)

$0.89 zł 3.46

$2.92 $2.92

-69.52%

Imported Beer (0.33 liter bottle)

$1.40 zł 5.43

$3.46 $3.46

-59.54%

One-way Ticket (Public Transport)

$0.92 zł 3.59

$1.49 $1.49

-38.26%

Public Transport Monthly Pass (Regular Price)

$30.92 zł 120

$41.72 $41.72

-25.89%

Taxi Start (Normal Tariff)

$1.28 zł 4.99

$2.73 $2.73

-53.11%

Taxi (Normal Tariff) (1km)

$0.75 zł 2.90

$1.66 $1.66

-54.82%

Taxi 1hour Waiting (Normal Tariff)

$10.13 zł 39.35

$35.30 $35.30

-71.30%

Gasoline (1 liter)

$1.60 zł 6.23

$0.95 $0.95

68.42%

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

$30.3K zł 117.6K

$36.0K $36.0K

-16.02%

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

$24.4K zł 94.6K

$27.1K $27.1K

-10.02%

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

$243 zł 944

$229 $229

6.12%

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

$9.09 zł 35.30

$59.4 $59.4

-84.69%

Internet (50+ Mbps, Unlimited Data)

$16.23 zł 63.1

$69.9 $69.9

-76.78%

Gym Membership (Monthly)

$25.28 zł 98.2

$57.2 $57.2

-55.84%

Tennis Court (1 Hour on Weekend)

$11.35 zł 44.10

$16.33 $16.33

-30.50%

Cinema Ticket

$4.68 zł 18.18

$14.28 $14.28

-67.23%

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

$285 zł 1,108

$1,506 $1,506

-81.06%

International Primary School, 1 Child (Yearly)

$2,499 zł 9,711

$21.5K $21.5K

-88.35%

Jeans (Levis 501 Or Similar)

$79.4 zł 308

$52.8 $52.8

50.33%

Summer Dress (H&M, Zara, etc)

$25.23 zł 98.0

$43.82 $43.82

-42.42%

Sport Shoes (Adidas, Nike)

$75.9 zł 295

$84.8 $84.8

-10.52%

Men's Leather Business Shoes

$114 zł 443

$103 $103

10.72%

1-bedroom Apartment, City Center (Monthly)

$430 zł 1,669

$1,907 $1,907

-77.48%

1-bedroom Apartment, Outside City Center (Monthly)

$349 zł 1,357

$1,274 $1,274

-72.59%

3-bedroom Apartment, City Center (Monthly)

$601 zł 2,337

$3,664 $3,664

-83.59%

3-bedroom Apartment, Outside City Center (Monthly)

$466 zł 1,810

$2,538 $2,538

-81.65%

Buy Apartment in City Center (m2)

$2,648 zł 10.3K

$7,614 $7,614

-65.21%

Buy Apartment Outside City Center (m2)

$1,745 zł 6,781

$3,157 $3,157

-44.72%

Average Monthly Net Salary (After Tax)

$1,019 zł 3,960

$5,121 $5,121

-80.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

6.79

-1.62%

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

Last update for Tarnow: October 12, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Tarnow

$349 29.7%

Austin, TX

$1.3K 47.8% 265% $925

Monthly Utilities & Internet

Tarnow

$268 22.8%

Austin, TX

$358 13.5% 33.5% $90

Groceries & Markets

Tarnow

$182 15.5%

Austin, TX

$405 15.2% 123% $223

Eating Out

Tarnow

$171 14.5%

Austin, TX

$354 13.3% 107% $183

Clothing & Footwear

Tarnow

$133 11.3%

Austin, TX

$128 4.8% 3.4% $4.6

Getting Around

Tarnow

$40 3.4%

Austin, TX

$59 2.2% 48.1% $19

Sport & Entertainment

Tarnow

$35 2.9%

Austin, TX

$86 3.2% 148% $51

Cost Breakdown

A one-bedroom apartment in the center runs $430 in Tarnow and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 402% 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: $26.00 in Tarnow vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $182 vs $405 per month, with Tarnow cheaper across the board.

Good to know

🇵🇱 Tarnow

🇺🇸 Austin, TX

🕒 Local time

00:30 12:30 AM

17:30 5:30 PM

7 h behind Tarnow

🌤 Weather

👥 Population

106,748

974,447

💱 Currency

Polish Złoty PLN zł

United States Dollar USD $

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 17, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Tarnow Austin, TX 9,240 km ≈ 12 h nonstop flight

From you

Tarnow
Austin, TX

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

Tarnow vs Austin, TX: Cost of Living - Frequently Asked Questions

Tarnow wins on cost – living expenses run 126% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Tarnow the obvious pick if budget is a priority.

On paper, salaries run 402% lower in Austin, TX. 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: $430 in Tarnow versus $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,177 per month in Tarnow versus $2,663 in Austin, TX – a 126% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Tarnow runs roughly 35% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,177 in Tarnow versus $2,663 in Austin, TX, a $1,000 budget is realistic in Tarnow but tight or insufficient in Austin, TX. The gap between the two cities makes Tarnow the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Tarnow and Austin, TX 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 Tarnow gentler on the wallet – expenses run 126% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.