Cost of Living Comparison Between Tarnow and Warsaw Cost of Living Comparison Between Tarnow and Warsaw

Monthly Cost of Living

Monthly costs for one person with rent: $1,216 in Tarnow versus $2,040 in Warsaw.

Estimated couple costs with rent: $1,691 in Tarnow versus $2,889 in Warsaw.

Monthly costs for a family of three with rent: $2,167 in Tarnow versus $3,737 in Warsaw.

Living in Tarnow costs roughly 40% less than in Warsaw, driven mainly by Groceries & Markets.

The two cities straddle the global median: Tarnow is 9% below, Warsaw is 52% above.

Meal at Budget Restaurant

$9.39 zł 34.23

$11.04 zł 40.27

-14.95%

Three-Course Dinner for Two, Mid-Range

$27.08 zł 98.8

$58.1 zł 212

-53.41%

Fast Food Meal (McDonalds, etc)

$6.84 zł 24.96

$9.74 zł 35.52

-29.77%

Cappuccino

$2.77 zł 10.10

$4.29 zł 15.64

-35.43%

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

$2.08 zł 7.59

$2.11 zł 7.70

-1.42%

Water (0.33 liter bottle)

$1.35 zł 4.91

$1.81 zł 6.62

-25.41%

Local Beer (0.5 liter draught)

$3.06 zł 11.14

$4.45 zł 16.23

-31.24%

Imported Beer (0.33 liter bottle)

$3.56 zł 12.99

$4.68 zł 17.08

-23.93%

Milk (1 liter)

$1.00 zł 3.63

$1.15 zł 4.20

-13.04%

White Bread (500g)

$1.25 zł 4.55

$1.36 zł 4.97

-8.09%

Rice (white) (1kg)

$1.38 zł 5.04

$1.84 zł 6.70

-25.00%

Eggs

$2.58 zł 9.40

$3.63 zł 13.24

-28.93%

Local Cheese (1kg)

$7.53 zł 27.46

$10.11 zł 36.87

-25.52%

Chicken Fillets (1kg)

$6.50 zł 23.69

$6.98 zł 25.45

-6.88%

Beef Round Steak (1kg)

$9.88 zł 36.02

$14.55 zł 53.1

-32.10%

Apples (1kg)

$0.77 zł 2.82

$1.29 zł 4.71

-40.31%

Banana (1kg)

$1.61 zł 5.87

$1.79 zł 6.51

-10.06%

Oranges (1kg)

$1.33 zł 4.84

$1.94 zł 7.06

-31.44%

Tomato (1kg)

$2.16 zł 7.86

$3.62 zł 13.21

-40.33%

Potato (1kg)

$0.84 zł 3.08

$1.06 zł 3.86

-20.75%

Onion (1kg)

$1.08 zł 3.94

$1.18 zł 4.29

-8.47%

Lettuce (1 head)

$1.10 zł 4.03

$1.44 zł 5.25

-23.61%

Water (1.5 liter bottle)

$0.60 zł 2.18

$0.67 zł 2.43

-10.45%

Cigarettes 20 Pack (Marlboro, Camel)

$4.52 zł 16.49

$5.29 zł 19.30

-14.56%

Wine (Bottle)

$7.64 zł 27.87

$8.29 zł 30.24

-7.84%

Local Beer (0.5 liter bottle)

$0.89 zł 3.23

$1.43 zł 5.20

-37.76%

Imported Beer (0.33 liter bottle)

$1.43 zł 5.20

$1.88 zł 6.86

-23.94%

One-way Ticket (Public Transport)

$1.06 zł 3.87

$1.16 zł 4.23

-8.62%

Public Transport Monthly Pass (Regular Price)

$33.18 zł 121

$29.77 zł 109

11.45%

Taxi Start (Normal Tariff)

$1.38 zł 5.03

$2.63 zł 9.60

-47.53%

Taxi (Normal Tariff) (1km)

$0.52 zł 1.89

$0.98 zł 3.56

-46.94%

Taxi 1hour Waiting (Normal Tariff)

$13.76 zł 50.2

$13.42 zł 48.95

2.53%

Gasoline (1 liter)

$1.75 zł 6.39

$1.71 zł 6.23

2.34%

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

$33.3K zł 121.5K

$33.4K zł 121.8K

-0.26%

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

$24.1K zł 88.0K

$33.6K zł 122.5K

-28.17%

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

$258 zł 941

$357 zł 1,302

-27.75%

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

$7.51 zł 27.38

$10.03 zł 36.58

-25.12%

Internet (50+ Mbps, Unlimited Data)

$16.30 zł 59.4

$17.56 zł 64.0

-7.18%

Gym Membership (Monthly)

$26.92 zł 98.2

$44.87 zł 164

-40.00%

Tennis Court (1 Hour on Weekend)

$12.43 zł 45.31

$29.23 zł 107

-57.48%

Cinema Ticket

$4.78 zł 17.44

$9.70 zł 35.36

-50.72%

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

$330 zł 1,202

$580 zł 2,114

-43.13%

International Primary School, 1 Child (Yearly)

$4,798 zł 17.5K

$15.7K zł 57.1K

-69.38%

Jeans (Levis 501 Or Similar)

$83.0 zł 303

$99.2 zł 362

-16.34%

Summer Dress (H&M, Zara, etc)

$27.08 zł 98.7

$46.99 zł 171

-42.37%

Sport Shoes (Adidas, Nike)

$81.5 zł 297

$92.5 zł 337

-11.91%

Men's Leather Business Shoes

$122 zł 444

$111 zł 404

9.94%

1-bedroom Apartment, City Center (Monthly)

$461 zł 1,682

$1,161 zł 4,233

-60.26%

1-bedroom Apartment, Outside City Center (Monthly)

$367 zł 1,340

$890 zł 3,244

-58.70%

3-bedroom Apartment, City Center (Monthly)

$660 zł 2,405

$2,033 zł 7,414

-67.56%

3-bedroom Apartment, Outside City Center (Monthly)

$485 zł 1,769

$1,526 zł 5,566

-68.22%

Buy Apartment in City Center (m2)

$2,835 zł 10.3K

$6,283 zł 22.9K

-54.88%

Buy Apartment Outside City Center (m2)

$1,907 zł 6,952

$4,074 zł 14.9K

-53.20%

Average Monthly Net Salary (After Tax)

$1,068 zł 3,893

$2,228 zł 8,126

-52.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.28

7.55

-16.82%

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

Last update for Tarnow: June 1, 2026

Last update for Warsaw: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $461 in Tarnow and $1,161 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 109% 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: $27.00 in Tarnow vs $58.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $191 vs $246 per month, with Tarnow cheaper across the board.

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 Warsaw: Cost of Living - Frequently Asked Questions

Tarnow wins on cost – living expenses run 68% lower than in Warsaw. Housing and daily spending are where you'll feel the difference most, making Tarnow the obvious pick if budget is a priority.

On paper, Warsaw earns 109% less. 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: $461 in Tarnow versus $1,161 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $330 in Tarnow versus $580 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in Warsaw. For households that cook at home regularly, that difference adds up over a month.

At $1,216 in Tarnow versus $2,040 in Warsaw, a $1,000 budget is realistic in Tarnow but tight or insufficient in Warsaw. The gap between the two cities makes Tarnow the clear choice for anyone on this budget.

Both work as nomad bases, but Tarnow delivers better value – similar infrastructure at $1,216 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Tarnow hard to pass up.

Safety-wise, Tarnow 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 Tarnow gentler on the wallet – expenses run 68% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.