Last update: Nov 2026

Cost of Living Comparison Between Warsaw and Kartuzy

For one person, living is cheaper in Kartuzy: $1,454 a month against $1,995 in Warsaw, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Warsaw
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Warsaw Living Index
69

Cost of Living Index in Kartuzy
Learn more

Kartuzy Living Index

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Warsaw

🇵🇱 Poland

$1,995

/mo nomad

Kartuzy

🇵🇱 Poland

$1,454

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Kartuzy

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

A single person spends $1,995 per month in Warsaw vs $1,454 in Kartuzy, rent included.

Warsaw $1,995
Kartuzy $1,454

A couple spends around $2,866 per month in Warsaw vs $2,079 in Kartuzy, rent included.

Warsaw $2,866
Kartuzy $2,079

A family of three spends $3,737 per month in Warsaw vs $2,704 in Kartuzy, rent included.

Warsaw $3,737
Kartuzy $2,704

Warsaw costs about 37% more than Kartuzy, and outside of rent the biggest gap is in eating out.

Both Warsaw and Kartuzy sit above the global median – Warsaw by 48%, Kartuzy by 8%.

Meal at Budget Restaurant

$11.57 zł 45.35

$8.42 zł 32.99

37.41%

Three-Course Dinner for Two, Mid-Range

$61.8 zł 242

$42.67 zł 167

44.90%

Fast Food Meal (McDonalds, etc)

$9.95 zł 39.01

$8.60 zł 33.73

15.70%

Cappuccino

$4.31 zł 16.89

$3.47 zł 13.61

24.21%

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

$2.32 zł 9.11

$2.17 zł 8.51

6.91%

Water (0.33 liter bottle)

$2.27 zł 8.89

$1.57 zł 6.15

44.59%

Local Beer (0.5 liter draught)

$4.54 zł 17.81

$3.48 zł 13.64

30.46%

Imported Beer (0.33 liter bottle)

$5.18 zł 20.30

$3.88 zł 15.22

33.51%

Milk (1 liter)

$1.06 zł 4.16

$1.00 zł 3.90

6.00%

White Bread (500g)

$1.54 zł 6.04

$1.20 zł 4.71

28.33%

Rice (white) (1kg)

$1.53 zł 5.99

$1.16 zł 4.56

31.90%

Eggs

$3.80 zł 14.89

$3.22 zł 12.63

18.01%

Local Cheese (1kg)

$8.87 zł 34.76

$8.79 zł 34.47

0.91%

Chicken Fillets (1kg)

$6.80 zł 26.66

$6.26 zł 24.55

8.63%

Beef Round Steak (1kg)

$14.56 zł 57.1

$11.89 zł 46.60

22.46%

Apples (1kg)

$1.16 zł 4.55

$1.11 zł 4.35

4.50%

Banana (1kg)

$1.70 zł 6.67

$1.65 zł 6.47

3.03%

Oranges (1kg)

$1.67 zł 6.56

$1.59 zł 6.23

5.03%

Tomato (1kg)

$4.35 zł 17.07

$2.76 zł 10.82

57.61%

Potato (1kg)

$0.94 zł 3.67

$0.82 zł 3.22

14.63%

Onion (1kg)

$0.91 zł 3.56

$0.99 zł 3.87

-8.08%

Lettuce (1 head)

$1.43 zł 5.60

$1.30 zł 5.10

10.00%

Water (1.5 liter bottle)

$0.69 zł 2.72

$0.61 zł 2.40

13.11%

Cigarettes 20 Pack (Marlboro, Camel)

$6.15 zł 24.13

$4.46 zł 17.50

37.89%

Wine (Bottle)

$6.20 zł 24.31

$6.58 zł 25.81

-5.78%

Local Beer (0.5 liter bottle)

$1.09 zł 4.29

$1.09 zł 4.28

Imported Beer (0.33 liter bottle)

$1.70 zł 6.64

$1.54 zł 6.05

10.39%

One-way Ticket (Public Transport)

$1.13 zł 4.43

$1.09 zł 4.26

3.67%

Public Transport Monthly Pass (Regular Price)

$27.41 zł 107

$29.61 zł 116

-7.43%

Taxi Start (Normal Tariff)

$2.57 zł 10.07

$2.02 zł 7.92

27.23%

Taxi (Normal Tariff) (1km)

$1.30 zł 5.08

$0.79 zł 3.10

64.56%

Taxi 1hour Waiting (Normal Tariff)

$12.56 zł 49.22

$10.30 zł 40.38

21.94%

Gasoline (1 liter)

$1.73 zł 6.79

$1.66 zł 6.52

4.22%

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

$30.0K zł 117.6K

$30.0K zł 117.4K

0.15%

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

$30.4K zł 119.1K

$28.2K zł 110.6K

7.69%

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

$329 zł 1,289

$288 zł 1,129

14.18%

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

$9.08 zł 35.58

$8.49 zł 33.29

6.95%

Internet (50+ Mbps, Unlimited Data)

$16.00 zł 62.7

$17.46 zł 68.5

-8.36%

Gym Membership (Monthly)

$46.70 zł 183

$38.58 zł 151

21.05%

Tennis Court (1 Hour on Weekend)

$27.92 zł 109

$22.18 zł 86.9

25.88%

Cinema Ticket

$8.80 zł 34.50

$7.71 zł 30.24

14.14%

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

$592 zł 2,321

$369 zł 1,446

60.50%

International Primary School, 1 Child (Yearly)

$18.2K zł 71.4K

$8,042 zł 31.5K

126.41%

Jeans (Levis 501 Or Similar)

$105 zł 412

$81.3 zł 319

29.20%

Summer Dress (H&M, Zara, etc)

$38.96 zł 153

$37.71 zł 148

3.31%

Sport Shoes (Adidas, Nike)

$108 zł 423

$89.6 zł 351

20.42%

Men's Leather Business Shoes

$112 zł 440

$101 zł 397

10.74%

1-bedroom Apartment, City Center (Monthly)

$1,150 zł 4,507

$602 zł 2,358

91.10%

1-bedroom Apartment, Outside City Center (Monthly)

$910 zł 3,568

$524 zł 2,056

73.56%

3-bedroom Apartment, City Center (Monthly)

$2,144 zł 8,404

$965 zł 3,781

122.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,456 zł 5,707

$815 zł 3,195

78.62%

Buy Apartment in City Center (m2)

$6,018 zł 23.6K

$2,880 zł 11.3K

108.96%

Buy Apartment Outside City Center (m2)

$3,852 zł 15.1K

$2,216 zł 8,685

73.88%

Average Monthly Net Salary (After Tax)

$2,052 zł 8,042

$1,246 zł 4,883

64.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

6.74

-0.89%

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

Last update for Warsaw: November 2, 2026

Last update for Kartuzy: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$910 45.6%

Kartuzy

$524 36.1% 42.4% $386

Monthly Utilities & Internet

Warsaw

$354 17.7%

Kartuzy

$314 21.6% 11.3% $40

Groceries & Markets

Warsaw

$236 11.8%

Kartuzy

$207 14.3% 12.2% $29

Eating Out

Warsaw

$226 11.3%

Kartuzy

$175 12% 22.4% $51

Clothing & Footwear

Warsaw

$164 8.2%

Kartuzy

$139 9.6% 14.9% $24

Sport & Entertainment

Warsaw

$64 3.2%

Kartuzy

$54 3.7% 16% $10

Getting Around

Warsaw

$41 2.1%

Kartuzy

$40 2.8% 2.6% $1.1

Cost Breakdown

A central one-bedroom costs $1,150 in Warsaw versus $602 in Kartuzy. 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 65% higher in Warsaw. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $62 in Warsaw versus $43 in Kartuzy. Monthly groceries follow the same trend: $236 vs $207 – making Kartuzy the more affordable choice for daily food spending.

Good to know

🇵🇱 Warsaw

🇵🇱 Kartuzy

🕒 Local time

04:20 4:20 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

14,186

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.255 USD

1 PLN = 0.227 EUR

1 PLN = 0.255 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

On the map

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Warsaw Kartuzy 300 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

Warsaw vs Kartuzy: Cost of Living - Frequently Asked Questions

Warsaw costs about 37% more than Kartuzy, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,992 per month in Warsaw and $2,181 in Kartuzy. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kartuzy, especially for central apartments: a one-bedroom in the center costs $602 there versus $1,150 in Warsaw.

Kindergarten costs $592 per month in Warsaw and $369 in Kartuzy. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 14% more in Warsaw, though the gap depends on what you buy.

$1,000 is a stretch for both – monthly costs hit $1,995 in Warsaw and $1,454 in Kartuzy. You’ll need shared housing and careful budgeting no matter which city you pick.

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

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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