Last update: Oct 2026

Cost of Living Comparison Between Torun and Warsaw

For one person, living is cheaper in Torun: $1,310 a month against $2,032 in Warsaw, rent and utilities included – about $8,700 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Torun
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Torun Living Index
99

Cost of Living Index in Warsaw
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Warsaw Living Index

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Torun

🇵🇱 Poland

$1,310

/mo nomad

Warsaw

🇵🇱 Poland

$2,032

/mo nomad

Monthly Cost of Living

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

A single person spends $1,310 per month in Torun vs $2,032 in Warsaw, rent included.

Torun $1,310
Warsaw $2,032

A couple spends around $1,895 per month in Torun vs $2,918 in Warsaw, rent included.

Torun $1,895
Warsaw $2,918

A family of three spends $2,480 per month in Torun vs $3,804 in Warsaw, rent included.

Torun $2,480
Warsaw $3,804

Torun is about 36% cheaper than Warsaw, and outside of rent the biggest gap is in eating out.

Torun sits 3% below the global median, while Warsaw is 50% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$10.15 zł 39.45

$11.51 zł 44.72

-11.82%

Three-Course Dinner for Two, Mid-Range

$50.3 zł 196

$60.6 zł 236

-16.99%

Fast Food Meal (McDonalds, etc)

$8.80 zł 34.19

$10.00 zł 38.87

-12.00%

Cappuccino

$3.52 zł 13.67

$4.17 zł 16.22

-15.59%

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

$2.10 zł 8.15

$2.27 zł 8.81

-7.49%

Water (0.33 liter bottle)

$1.63 zł 6.32

$2.21 zł 8.61

-26.24%

Local Beer (0.5 liter draught)

$2.48 zł 9.64

$4.60 zł 17.87

-46.09%

Imported Beer (0.33 liter bottle)

$4.12 zł 16.01

$5.01 zł 19.47

-17.76%

Milk (1 liter)

$0.98 zł 3.80

$1.05 zł 4.07

-6.67%

White Bread (500g)

$1.22 zł 4.73

$1.52 zł 5.90

-19.74%

Rice (white) (1kg)

$1.57 zł 6.12

$1.54 zł 6.00

1.95%

Eggs

$2.96 zł 11.51

$3.76 zł 14.60

-21.28%

Local Cheese (1kg)

$7.82 zł 30.39

$8.55 zł 33.22

-8.54%

Chicken Fillets (1kg)

$6.13 zł 23.83

$6.29 zł 24.43

-2.54%

Beef Round Steak (1kg)

$14.18 zł 55.1

$14.54 zł 56.5

-2.48%

Apples (1kg)

$1.10 zł 4.29

$1.17 zł 4.55

-5.98%

Banana (1kg)

$1.66 zł 6.44

$1.73 zł 6.73

-4.05%

Oranges (1kg)

$1.57 zł 6.11

$1.71 zł 6.66

-8.19%

Tomato (1kg)

$3.19 zł 12.41

$4.04 zł 15.71

-21.04%

Potato (1kg)

$0.87 zł 3.36

$0.91 zł 3.53

-4.40%

Onion (1kg)

$1.38 zł 5.35

$0.86 zł 3.34

60.47%

Lettuce (1 head)

$1.47 zł 5.69

$1.39 zł 5.39

5.76%

Water (1.5 liter bottle)

$0.56 zł 2.18

$0.69 zł 2.67

-18.84%

Cigarettes 20 Pack (Marlboro, Camel)

$4.63 zł 17.97

$6.19 zł 24.04

-25.20%

Wine (Bottle)

$7.07 zł 27.47

$6.46 zł 25.10

9.44%

Local Beer (0.5 liter bottle)

$1.55 zł 6.01

$1.10 zł 4.28

40.91%

Imported Beer (0.33 liter bottle)

$2.15 zł 8.37

$1.63 zł 6.35

31.90%

One-way Ticket (Public Transport)

$1.18 zł 4.59

$1.11 zł 4.31

6.31%

Public Transport Monthly Pass (Regular Price)

$25.35 zł 98.5

$28.52 zł 111

-11.12%

Taxi Start (Normal Tariff)

$2.08 zł 8.08

$2.47 zł 9.58

-15.79%

Taxi (Normal Tariff) (1km)

$1.03 zł 4.01

$1.31 zł 5.08

-21.37%

Taxi 1hour Waiting (Normal Tariff)

$6.39 zł 24.83

$12.87 zł 50.0

-50.35%

Gasoline (1 liter)

$1.58 zł 6.15

$1.75 zł 6.80

-9.71%

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

$31.3K zł 121.5K

$30.7K zł 119.4K

1.75%

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

$26.7K zł 103.8K

$30.8K zł 119.5K

-13.12%

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

$182 zł 707

$341 zł 1,324

-46.62%

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

$10.45 zł 40.62

$9.00 zł 34.95

16.11%

Internet (50+ Mbps, Unlimited Data)

$16.87 zł 65.5

$16.19 zł 62.9

4.20%

Gym Membership (Monthly)

$37.66 zł 146

$45.81 zł 178

-17.79%

Tennis Court (1 Hour on Weekend)

$21.89 zł 85.0

$27.81 zł 108

-21.29%

Cinema Ticket

$7.69 zł 29.88

$9.04 zł 35.12

-14.93%

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

$243 zł 944

$594 zł 2,306

-59.05%

International Primary School, 1 Child (Yearly)

$5,177 zł 20.1K

$14.3K zł 55.6K

-63.84%

Jeans (Levis 501 Or Similar)

$86.1 zł 335

$109 zł 424

-20.99%

Summer Dress (H&M, Zara, etc)

$39.34 zł 153

$40.12 zł 156

-1.94%

Sport Shoes (Adidas, Nike)

$83.7 zł 325

$104 zł 405

-19.74%

Men's Leather Business Shoes

$116 zł 450

$111 zł 431

4.37%

1-bedroom Apartment, City Center (Monthly)

$526 zł 2,045

$1,181 zł 4,587

-55.43%

1-bedroom Apartment, Outside City Center (Monthly)

$460 zł 1,789

$942 zł 3,659

-51.11%

3-bedroom Apartment, City Center (Monthly)

$844 zł 3,281

$2,074 zł 8,056

-59.27%

3-bedroom Apartment, Outside City Center (Monthly)

$597 zł 2,319

$1,533 zł 5,958

-61.08%

Buy Apartment in City Center (m2)

$3,387 zł 13.2K

$5,932 zł 23.0K

-42.91%

Buy Apartment Outside City Center (m2)

$2,216 zł 8,610

$3,836 zł 14.9K

-42.23%

Average Monthly Net Salary (After Tax)

$1,738 zł 6,754

$2,049 zł 7,959

-15.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.21

6.68

-7.04%

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

Last update for Torun: October 12, 2026

Last update for Warsaw: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Torun

$460 35.1%

Warsaw

$942 46.4% 105% $481

Groceries & Markets

Torun

$219 16.7%

Warsaw

$231 11.4% 5.6% $12

Monthly Utilities & Internet

Torun

$209 16%

Warsaw

$366 18% 74.9% $157

Eating Out

Torun

$185 14.2%

Warsaw

$223 11% 20.4% $38

Clothing & Footwear

Torun

$146 11.2%

Warsaw

$164 8.1% 12.1% $18

Sport & Entertainment

Torun

$53 4.1%

Warsaw

$64 3.1% 20.5% $11

Getting Around

Torun

$37 2.9%

Warsaw

$42 2.1% 12.5% $4.6

Cost Breakdown

A central one-bedroom costs $526 in Torun versus $1,181 in Warsaw. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 18% higher in Warsaw, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $50.0 in Torun versus $61.0 in Warsaw. Monthly groceries follow the same trend: $219 vs $231 – making Torun the more affordable choice for daily food spending.

Good to know

🇵🇱 Torun

🇵🇱 Warsaw

🕒 Local time

01:08 1:08 AM

Same time as Torun

🌤 Weather

👥 Population

196,935

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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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

Torun vs Warsaw: Cost of Living - Frequently Asked Questions

Yes – Warsaw is pricier by about 55%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,965 per month in Torun and $3,048 in Warsaw. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Torun, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $50.0 in Torun and $61.0 in Warsaw. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,310 in Torun and $2,032 in Warsaw. That's a gap of about 55%.

A $1,500 monthly budget goes further in Torun, where all-in costs run around $1,310, than in Warsaw at $2,032. In Torun it covers expenses comfortably, while in Warsaw it requires careful planning or may not stretch far enough.

Families tend to lean toward Torun – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Torun. If higher salaries, better infrastructure, or specific career opportunities are the priority, Warsaw makes more sense. Both are solid long-term options with distinct trade-offs.