Last update: Oct 2026

Cost of Living Comparison Between Tarnow and Warsaw

For one person, living is cheaper in Tarnow: $1,182 a month against $2,051 in Warsaw, rent and utilities included – about $10,400 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
100

Cost of Living Index in Warsaw
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Warsaw Living Index

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Tarnow

🇵🇱 Poland

$1,182

/mo nomad

Warsaw

🇵🇱 Poland

$2,051

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,182 in Tarnow versus $2,051 in Warsaw.

Tarnow $1,182
Warsaw $2,051

Estimated couple costs with rent: $1,638 in Tarnow versus $2,950 in Warsaw.

Tarnow $1,638
Warsaw $2,950

Monthly costs for a family of three with rent: $2,093 in Tarnow versus $3,850 in Warsaw.

Tarnow $2,093
Warsaw $3,850

Living in Tarnow costs roughly 42% less than in Warsaw, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Tarnow is 13% below, Warsaw is 51% above.

Meal at Budget Restaurant

$10.34 zł 40.16

$11.43 zł 44.39

-9.54%

Three-Course Dinner for Two, Mid-Range

$25.16 zł 97.8

$62.0 zł 241

-59.41%

Fast Food Meal (McDonalds, etc)

$6.43 zł 24.96

$10.30 zł 40.03

-37.57%

Cappuccino

$2.55 zł 9.91

$4.22 zł 16.38

-39.57%

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

$2.21 zł 8.57

$2.21 zł 8.59

Water (0.33 liter bottle)

$1.29 zł 5.03

$2.20 zł 8.54

-41.36%

Local Beer (0.5 liter draught)

$3.79 zł 14.73

$4.59 zł 17.84

-17.43%

Imported Beer (0.33 liter bottle)

$3.74 zł 14.54

$5.01 zł 19.46

-25.35%

Milk (1 liter)

$0.93 zł 3.60

$1.10 zł 4.27

-15.45%

White Bread (500g)

$1.15 zł 4.45

$1.47 zł 5.71

-21.77%

Rice (white) (1kg)

$1.25 zł 4.87

$1.62 zł 6.29

-22.84%

Eggs

$2.44 zł 9.48

$3.92 zł 15.22

-37.76%

Local Cheese (1kg)

$7.86 zł 30.55

$9.08 zł 35.28

-13.44%

Chicken Fillets (1kg)

$5.84 zł 22.70

$6.39 zł 24.82

-8.61%

Beef Round Steak (1kg)

$9.78 zł 37.98

$14.50 zł 56.3

-32.55%

Apples (1kg)

$0.73 zł 2.84

$1.17 zł 4.55

-37.61%

Banana (1kg)

$1.55 zł 6.04

$1.75 zł 6.81

-11.43%

Oranges (1kg)

$1.29 zł 5.01

$1.76 zł 6.84

-26.70%

Tomato (1kg)

$1.91 zł 7.42

$4.08 zł 15.87

-53.19%

Potato (1kg)

$0.79 zł 3.06

$0.90 zł 3.51

-12.22%

Onion (1kg)

$1.02 zł 3.96

$0.94 zł 3.64

8.51%

Lettuce (1 head)

$1.06 zł 4.12

$1.41 zł 5.48

-24.82%

Water (1.5 liter bottle)

$0.75 zł 2.91

$0.70 zł 2.74

7.14%

Cigarettes 20 Pack (Marlboro, Camel)

$4.31 zł 16.75

$6.37 zł 24.76

-32.34%

Wine (Bottle)

$6.28 zł 24.41

$6.48 zł 25.16

-3.09%

Local Beer (0.5 liter bottle)

$0.90 zł 3.50

$1.16 zł 4.51

-22.41%

Imported Beer (0.33 liter bottle)

$1.35 zł 5.26

$1.73 zł 6.71

-21.97%

One-way Ticket (Public Transport)

$0.97 zł 3.76

$1.16 zł 4.51

-16.38%

Public Transport Monthly Pass (Regular Price)

$30.58 zł 119

$28.24 zł 110

8.29%

Taxi Start (Normal Tariff)

$1.30 zł 5.06

$2.55 zł 9.91

-49.02%

Taxi (Normal Tariff) (1km)

$0.75 zł 2.92

$1.26 zł 4.90

-40.48%

Taxi 1hour Waiting (Normal Tariff)

$10.45 zł 40.59

$12.94 zł 50.3

-19.24%

Gasoline (1 liter)

$1.62 zł 6.31

$1.76 zł 6.86

-7.95%

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

$31.2K zł 121.2K

$30.6K zł 119.0K

1.88%

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

$24.6K zł 95.8K

$30.5K zł 118.4K

-19.14%

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

$242 zł 940

$340 zł 1,323

-28.94%

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

$9.49 zł 36.86

$9.07 zł 35.22

4.63%

Internet (50+ Mbps, Unlimited Data)

$16.41 zł 63.8

$16.28 zł 63.3

0.80%

Gym Membership (Monthly)

$25.48 zł 99.0

$47.15 zł 183

-45.96%

Tennis Court (1 Hour on Weekend)

$11.65 zł 45.27

$28.50 zł 111

-59.12%

Cinema Ticket

$4.52 zł 17.55

$9.01 zł 35.02

-49.83%

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

$287 zł 1,117

$599 zł 2,327

-52.00%

International Primary School, 1 Child (Yearly)

$2,538 zł 9,859

$14.3K zł 55.7K

-82.30%

Jeans (Levis 501 Or Similar)

$79.4 zł 309

$106 zł 414

-25.38%

Summer Dress (H&M, Zara, etc)

$25.87 zł 101

$39.28 zł 153

-34.14%

Sport Shoes (Adidas, Nike)

$77.5 zł 301

$107 zł 416

-27.71%

Men's Leather Business Shoes

$111 zł 430

$111 zł 433

-0.66%

1-bedroom Apartment, City Center (Monthly)

$437 zł 1,700

$1,173 zł 4,557

-62.70%

1-bedroom Apartment, Outside City Center (Monthly)

$352 zł 1,369

$956 zł 3,713

-63.14%

3-bedroom Apartment, City Center (Monthly)

$624 zł 2,423

$2,103 zł 8,170

-70.35%

3-bedroom Apartment, Outside City Center (Monthly)

$463 zł 1,799

$1,559 zł 6,056

-70.30%

Buy Apartment in City Center (m2)

$2,657 zł 10.3K

$6,040 zł 23.5K

-56.01%

Buy Apartment Outside City Center (m2)

$1,750 zł 6,799

$3,932 zł 15.3K

-55.49%

Average Monthly Net Salary (After Tax)

$1,000 zł 3,884

$2,093 zł 8,133

-52.24%

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 Tarnow: October 18, 2026

Last update for Warsaw: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Tarnow

$352 29.8%

Warsaw

$956 46.6% 171% $603

Monthly Utilities & Internet

Tarnow

$268 22.7%

Warsaw

$366 17.8% 36.6% $98

Groceries & Markets

Tarnow

$183 15.5%

Warsaw

$235 11.5% 28.7% $53

Eating Out

Tarnow

$173 14.6%

Warsaw

$224 10.9% 29.2% $51

Clothing & Footwear

Tarnow

$132 11.2%

Warsaw

$164 8% 24.1% $32

Getting Around

Tarnow

$40 3.3%

Warsaw

$42 2% 5.7% $2.2

Sport & Entertainment

Tarnow

$35 2.9%

Warsaw

$65 3.2% 88.8% $31

Cost Breakdown

A one-bedroom apartment in the center runs $437 in Tarnow and $1,173 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: $25.00 in Tarnow vs $62.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $183 vs $235 per month, with Tarnow cheaper across the board.

Good to know

🇵🇱 Tarnow

🇵🇱 Warsaw

🕒 Local time

17:20 5:20 PM

Same time as Tarnow

🌤 Weather

👥 Population

106,748

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

On the map

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Tarnow Warsaw 250 km

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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

Tarnow vs Warsaw: Cost of Living - Frequently Asked Questions

Tarnow wins on cost – living expenses run 74% 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, salaries run 109% 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: $437 in Tarnow versus $1,173 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $287 in Tarnow versus $599 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 29% higher in Warsaw. For households that cook at home regularly, that difference adds up over a month.

At $1,182 in Tarnow versus $2,051 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 $1,182 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 74% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.