Cost of Living Comparison Between Warsaw and Kartuzy Cost of Living Comparison Between Warsaw and Kartuzy

Monthly Cost of Living

A single person spends $1,988 per month in Warsaw vs $1,425 in Kartuzy, rent included.

A couple spends around $2,920 per month in Warsaw vs $2,036 in Kartuzy, rent included.

A family of three spends $3,852 per month in Warsaw vs $2,646 in Kartuzy, rent included.

Warsaw costs about 39% more than Kartuzy, driven mainly by Groceries & Markets.

Both Warsaw and Kartuzy sit above the global median – Warsaw by 49%, Kartuzy by 7%.

Meal at Budget Restaurant

$10.66 zł 38.88

$9.02 zł 32.91

18.18%

Three-Course Dinner for Two, Mid-Range

$57.8 zł 211

$41.53 zł 152

39.22%

Fast Food Meal (McDonalds, etc)

$9.45 zł 34.47

$8.33 zł 30.40

13.45%

Cappuccino

$4.11 zł 15.02

$3.46 zł 12.63

18.79%

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

$2.07 zł 7.54

$2.34 zł 8.55

-11.54%

Water (0.33 liter bottle)

$1.84 zł 6.72

$1.71 zł 6.22

7.60%

Local Beer (0.5 liter draught)

$4.45 zł 16.23

$3.28 zł 11.98

35.67%

Imported Beer (0.33 liter bottle)

$4.50 zł 16.41

$3.74 zł 13.64

20.32%

Milk (1 liter)

$1.16 zł 4.23

$1.03 zł 3.75

12.62%

White Bread (500g)

$1.36 zł 4.97

$1.29 zł 4.71

5.43%

Rice (white) (1kg)

$1.86 zł 6.78

$1.20 zł 4.39

55.00%

Eggs

$3.53 zł 12.88

$3.17 zł 11.57

11.36%

Local Cheese (1kg)

$10.14 zł 37.02

$8.88 zł 32.39

14.19%

Chicken Fillets (1kg)

$7.10 zł 25.91

$6.40 zł 23.34

10.94%

Beef Round Steak (1kg)

$14.30 zł 52.2

$10.85 zł 39.61

31.80%

Apples (1kg)

$1.27 zł 4.62

$1.07 zł 3.90

18.69%

Banana (1kg)

$1.80 zł 6.56

$1.79 zł 6.52

0.56%

Oranges (1kg)

$1.93 zł 7.03

$1.79 zł 6.53

7.82%

Tomato (1kg)

$3.61 zł 13.17

$2.90 zł 10.59

24.48%

Potato (1kg)

$1.06 zł 3.86

$0.89 zł 3.24

19.10%

Onion (1kg)

$1.24 zł 4.52

$1.09 zł 3.99

13.76%

Lettuce (1 head)

$1.44 zł 5.24

$1.24 zł 4.53

16.13%

Water (1.5 liter bottle)

$0.67 zł 2.43

$0.61 zł 2.22

9.84%

Cigarettes 20 Pack (Marlboro, Camel)

$5.53 zł 20.18

$4.96 zł 18.09

11.49%

Wine (Bottle)

$8.34 zł 30.44

$7.17 zł 26.17

16.32%

Local Beer (0.5 liter bottle)

$1.37 zł 4.99

$1.10 zł 4.00

24.55%

Imported Beer (0.33 liter bottle)

$1.85 zł 6.74

$1.65 zł 6.03

12.12%

One-way Ticket (Public Transport)

$1.16 zł 4.24

$1.08 zł 3.93

7.41%

Public Transport Monthly Pass (Regular Price)

$30.17 zł 110

$32.55 zł 119

-7.31%

Taxi Start (Normal Tariff)

$2.79 zł 10.17

$2.23 zł 8.12

25.11%

Taxi (Normal Tariff) (1km)

$0.97 zł 3.55

$0.74 zł 2.69

31.08%

Taxi 1hour Waiting (Normal Tariff)

$13.30 zł 48.53

$10.91 zł 39.81

21.91%

Gasoline (1 liter)

$1.75 zł 6.40

$1.68 zł 6.14

4.17%

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

$32.6K zł 118.9K

$33.2K zł 121.1K

-1.82%

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

$32.7K zł 119.2K

$29.6K zł 108.1K

10.24%

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

$357 zł 1,302

$274 zł 1,001

30.04%

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

$9.94 zł 36.26

$8.66 zł 31.60

14.78%

Internet (50+ Mbps, Unlimited Data)

$17.04 zł 62.2

$16.30 zł 59.5

4.54%

Gym Membership (Monthly)

$43.18 zł 158

$36.05 zł 132

19.78%

Tennis Court (1 Hour on Weekend)

$29.35 zł 107

$19.73 zł 72.0

48.76%

Cinema Ticket

$9.73 zł 35.51

$6.87 zł 25.08

41.63%

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

$576 zł 2,100

$344 zł 1,254

67.46%

International Primary School, 1 Child (Yearly)

$15.8K zł 57.5K

$7,982 zł 29.1K

97.45%

Jeans (Levis 501 Or Similar)

$101 zł 369

$90.6 zł 331

11.71%

Summer Dress (H&M, Zara, etc)

$46.77 zł 171

$36.50 zł 133

28.14%

Sport Shoes (Adidas, Nike)

$93.7 zł 342

$82.6 zł 302

13.38%

Men's Leather Business Shoes

$111 zł 404

$97.1 zł 354

14.08%

1-bedroom Apartment, City Center (Monthly)

$1,150 zł 4,197

$653 zł 2,382

76.17%

1-bedroom Apartment, Outside City Center (Monthly)

$907 zł 3,310

$498 zł 1,818

82.00%

3-bedroom Apartment, City Center (Monthly)

$2,021 zł 7,374

$970 zł 3,539

108.38%

3-bedroom Apartment, Outside City Center (Monthly)

$1,540 zł 5,621

$822 zł 3,001

87.28%

Buy Apartment in City Center (m2)

$6,137 zł 22.4K

$3,286 zł 12.0K

86.73%

Buy Apartment Outside City Center (m2)

$4,097 zł 15.0K

$2,434 zł 8,882

68.33%

Average Monthly Net Salary (After Tax)

$2,196 zł 8,014

$1,367 zł 4,990

60.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.55

6.75

11.85%

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

Last update for Warsaw: June 15, 2026

Last update for Kartuzy: June 15, 2026

Cost Breakdown

A central one-bedroom costs $1,150 in Warsaw versus $653 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 61% 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 $58.0 in Warsaw versus $42.00 in Kartuzy. Monthly groceries follow the same trend: $245 vs $210 – making Kartuzy the more affordable choice for daily food spending.

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 39% more than Kartuzy, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,982 per month in Warsaw and $2,138 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $576 per month in Warsaw and $344 in Kartuzy. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 17% more in Warsaw, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Kartuzy, where all-in costs run around $1,425, than in Warsaw at $1,988. In Kartuzy it covers expenses comfortably, while in Warsaw it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Kartuzy costs $1,425 versus $1,988 in Warsaw. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Kartuzy. 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.