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: $1,210 in Tarnow versus $2,028 in Warsaw.

Estimated couple costs with rent: $1,704 in Tarnow versus $2,889 in Warsaw.

Monthly costs for a family of three with rent: $2,197 in Tarnow versus $3,751 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 10% below, Warsaw is 51% above.

Meal at Budget Restaurant

$9.68 zł 34.85

$11.01 zł 39.63

-12.08%

Three-Course Dinner for Two, Mid-Range

$27.18 zł 97.9

$56.5 zł 203

-51.91%

Fast Food Meal (McDonalds, etc)

$6.88 zł 24.76

$9.70 zł 34.90

-29.07%

Cappuccino

$2.77 zł 9.98

$4.25 zł 15.31

-34.82%

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

$2.16 zł 7.78

$2.04 zł 7.36

5.88%

Water (0.33 liter bottle)

$1.37 zł 4.94

$1.84 zł 6.61

-25.54%

Local Beer (0.5 liter draught)

$3.00 zł 10.82

$4.61 zł 16.60

-34.92%

Imported Beer (0.33 liter bottle)

$3.60 zł 12.95

$4.54 zł 16.35

-20.70%

Milk (1 liter)

$1.03 zł 3.71

$1.14 zł 4.09

-9.65%

White Bread (500g)

$1.20 zł 4.32

$1.42 zł 5.12

-15.49%

Rice (white) (1kg)

$1.39 zł 5.00

$1.76 zł 6.33

-21.02%

Eggs

$2.54 zł 9.16

$3.63 zł 13.08

-30.03%

Local Cheese (1kg)

$7.97 zł 28.70

$10.01 zł 36.03

-20.38%

Chicken Fillets (1kg)

$6.39 zł 22.99

$7.23 zł 26.02

-11.62%

Beef Round Steak (1kg)

$9.91 zł 35.69

$14.28 zł 51.4

-30.60%

Apples (1kg)

$0.83 zł 2.99

$1.29 zł 4.65

-35.66%

Banana (1kg)

$1.62 zł 5.82

$1.79 zł 6.44

-9.50%

Oranges (1kg)

$1.33 zł 4.78

$2.00 zł 7.19

-33.50%

Tomato (1kg)

$2.14 zł 7.69

$3.67 zł 13.20

-41.69%

Potato (1kg)

$0.84 zł 3.01

$1.09 zł 3.91

-22.94%

Onion (1kg)

$1.12 zł 4.02

$1.24 zł 4.45

-9.68%

Lettuce (1 head)

$1.07 zł 3.85

$1.52 zł 5.46

-29.61%

Water (1.5 liter bottle)

$0.62 zł 2.21

$0.72 zł 2.61

-13.89%

Cigarettes 20 Pack (Marlboro, Camel)

$4.58 zł 16.47

$5.31 zł 19.12

-13.75%

Wine (Bottle)

$7.68 zł 27.64

$8.37 zł 30.12

-8.24%

Local Beer (0.5 liter bottle)

$0.97 zł 3.49

$1.42 zł 5.11

-31.69%

Imported Beer (0.33 liter bottle)

$1.46 zł 5.26

$1.89 zł 6.79

-22.75%

One-way Ticket (Public Transport)

$1.10 zł 3.97

$1.21 zł 4.36

-9.09%

Public Transport Monthly Pass (Regular Price)

$33.06 zł 119

$29.96 zł 108

10.35%

Taxi Start (Normal Tariff)

$1.33 zł 4.78

$2.66 zł 9.58

-50.00%

Taxi (Normal Tariff) (1km)

$0.48 zł 1.73

$1.02 zł 3.66

-52.94%

Taxi 1hour Waiting (Normal Tariff)

$13.49 zł 48.57

$13.31 zł 47.91

1.35%

Gasoline (1 liter)

$1.79 zł 6.43

$1.73 zł 6.22

3.47%

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

$34.3K zł 123.5K

$33.0K zł 118.7K

4.03%

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

$24.8K zł 89.2K

$33.3K zł 120.0K

-25.67%

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

$250 zł 900

$363 zł 1,308

-31.17%

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

$7.65 zł 27.54

$10.21 zł 36.75

-25.07%

Internet (50+ Mbps, Unlimited Data)

$16.45 zł 59.2

$17.11 zł 61.6

-3.86%

Gym Membership (Monthly)

$27.20 zł 97.9

$44.18 zł 159

-38.43%

Tennis Court (1 Hour on Weekend)

$12.14 zł 43.71

$29.52 zł 106

-58.88%

Cinema Ticket

$5.00 zł 17.99

$9.62 zł 34.62

-48.02%

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

$325 zł 1,170

$575 zł 2,070

-43.47%

International Primary School, 1 Child (Yearly)

$4,867 zł 17.5K

$15.4K zł 55.4K

-68.38%

Jeans (Levis 501 Or Similar)

$85.4 zł 307

$98.5 zł 355

-13.31%

Summer Dress (H&M, Zara, etc)

$26.59 zł 95.7

$47.34 zł 170

-43.83%

Sport Shoes (Adidas, Nike)

$80.0 zł 288

$95.4 zł 344

-16.14%

Men's Leather Business Shoes

$117 zł 423

$111 zł 400

5.65%

1-bedroom Apartment, City Center (Monthly)

$467 zł 1,683

$1,159 zł 4,172

-59.66%

1-bedroom Apartment, Outside City Center (Monthly)

$373 zł 1,344

$908 zł 3,270

-58.90%

3-bedroom Apartment, City Center (Monthly)

$646 zł 2,326

$2,024 zł 7,287

-68.08%

3-bedroom Apartment, Outside City Center (Monthly)

$488 zł 1,758

$1,556 zł 5,601

-68.60%

Buy Apartment in City Center (m2)

$2,957 zł 10.6K

$6,437 zł 23.2K

-54.07%

Buy Apartment Outside City Center (m2)

$1,873 zł 6,743

$4,092 zł 14.7K

-54.23%

Average Monthly Net Salary (After Tax)

$1,069 zł 3,849

$2,308 zł 8,307

-53.67%

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: April 12, 2026

Last update for Warsaw: April 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $467 in Tarnow and $1,159 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 116% 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 in Tarnow vs $57 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $193 vs $248 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 116% 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: $467 in Tarnow versus $1,159 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $325 in Tarnow versus $575 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 $1,210 in Tarnow versus $2,028 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 $1,210 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.