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

Monthly Cost of Living

A single person spends $2,038 per month in Warsaw vs $1,392 in Kartuzy, rent included.

A couple spends around $2,911 per month in Warsaw vs $2,053 in Kartuzy, rent included.

A family of three spends $3,784 per month in Warsaw vs $2,715 in Kartuzy, rent included.

Warsaw costs about 46% more than Kartuzy, driven mainly by Eating Out.

Both Warsaw and Kartuzy sit above the global median – Warsaw by 53%, Kartuzy by 5%.

Meal at Budget Restaurant

$10.66 zł 39.77

$8.56 zł 31.94

24.53%

Three-Course Dinner for Two, Mid-Range

$56.1 zł 209

$42.41 zł 158

32.26%

Fast Food Meal (McDonalds, etc)

$9.65 zł 35.98

$8.38 zł 31.26

15.16%

Cappuccino

$4.11 zł 15.34

$3.39 zł 12.64

21.24%

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

$2.12 zł 7.91

$2.30 zł 8.57

-7.83%

Water (0.33 liter bottle)

$1.89 zł 7.05

$1.64 zł 6.13

15.24%

Local Beer (0.5 liter draught)

$4.44 zł 16.55

$3.23 zł 12.06

37.46%

Imported Beer (0.33 liter bottle)

$4.48 zł 16.71

$3.57 zł 13.34

25.49%

Milk (1 liter)

$1.20 zł 4.46

$1.02 zł 3.81

17.65%

White Bread (500g)

$1.43 zł 5.33

$1.37 zł 5.09

4.38%

Rice (white) (1kg)

$1.82 zł 6.80

$1.26 zł 4.69

44.44%

Eggs

$3.61 zł 13.46

$3.33 zł 12.44

8.41%

Local Cheese (1kg)

$10.25 zł 38.24

$9.23 zł 34.43

11.05%

Chicken Fillets (1kg)

$7.15 zł 26.67

$6.40 zł 23.89

11.72%

Beef Round Steak (1kg)

$14.25 zł 53.2

$10.96 zł 40.89

30.02%

Apples (1kg)

$1.27 zł 4.72

$1.09 zł 4.05

16.51%

Banana (1kg)

$1.85 zł 6.92

$1.74 zł 6.48

6.32%

Oranges (1kg)

$2.03 zł 7.57

$1.71 zł 6.37

18.71%

Tomato (1kg)

$3.74 zł 13.95

$2.85 zł 10.64

31.23%

Potato (1kg)

$1.04 zł 3.90

$0.92 zł 3.43

13.04%

Onion (1kg)

$1.19 zł 4.44

$1.13 zł 4.21

5.31%

Lettuce (1 head)

$1.46 zł 5.46

$1.28 zł 4.78

14.06%

Water (1.5 liter bottle)

$0.71 zł 2.67

$0.65 zł 2.43

9.23%

Cigarettes 20 Pack (Marlboro, Camel)

$5.45 zł 20.32

$4.89 zł 18.25

11.45%

Wine (Bottle)

$8.01 zł 29.86

$7.42 zł 27.68

7.95%

Local Beer (0.5 liter bottle)

$1.37 zł 5.10

$1.13 zł 4.22

21.24%

Imported Beer (0.33 liter bottle)

$1.88 zł 7.03

$1.67 zł 6.22

12.57%

One-way Ticket (Public Transport)

$1.21 zł 4.51

$1.12 zł 4.19

8.04%

Public Transport Monthly Pass (Regular Price)

$30.26 zł 113

$32.85 zł 123

-7.88%

Taxi Start (Normal Tariff)

$2.68 zł 9.98

$2.14 zł 7.99

25.23%

Taxi (Normal Tariff) (1km)

$1.01 zł 3.78

$0.79 zł 2.93

27.85%

Taxi 1hour Waiting (Normal Tariff)

$13.55 zł 50.5

$10.89 zł 40.62

24.43%

Gasoline (1 liter)

$1.76 zł 6.58

$1.77 zł 6.59

-0.56%

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

$33.2K zł 123.7K

$34.2K zł 127.5K

-3.02%

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

$32.7K zł 121.9K

$29.5K zł 110.2K

10.57%

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

$351 zł 1,309

$270 zł 1,008

29.86%

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

$9.98 zł 37.22

$8.69 zł 32.40

14.84%

Internet (50+ Mbps, Unlimited Data)

$17.14 zł 63.9

$16.67 zł 62.2

2.82%

Gym Membership (Monthly)

$43.33 zł 162

$36.87 zł 138

17.52%

Tennis Court (1 Hour on Weekend)

$28.92 zł 108

$19.67 zł 73.4

47.03%

Cinema Ticket

$9.65 zł 36.01

$7.21 zł 26.89

33.84%

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

$589 zł 2,196

$334 zł 1,247

76.14%

International Primary School, 1 Child (Yearly)

$15.6K zł 58.1K

$8,071 zł 30.1K

92.84%

Jeans (Levis 501 Or Similar)

$97.4 zł 363

$89.6 zł 334

8.70%

Summer Dress (H&M, Zara, etc)

$47.77 zł 178

$36.38 zł 136

31.31%

Sport Shoes (Adidas, Nike)

$94.3 zł 352

$81.3 zł 303

15.91%

Men's Leather Business Shoes

$109 zł 406

$96.3 zł 359

12.89%

1-bedroom Apartment, City Center (Monthly)

$1,123 zł 4,187

$653 zł 2,434

72.03%

1-bedroom Apartment, Outside City Center (Monthly)

$897 zł 3,347

$491 zł 1,833

82.57%

3-bedroom Apartment, City Center (Monthly)

$2,054 zł 7,661

$959 zł 3,576

114.26%

3-bedroom Apartment, Outside City Center (Monthly)

$1,533 zł 5,719

$808 zł 3,015

89.67%

Buy Apartment in City Center (m2)

$6,293 zł 23.5K

$3,066 zł 11.4K

105.28%

Buy Apartment Outside City Center (m2)

$3,875 zł 14.5K

$2,265 zł 8,448

71.10%

Average Monthly Net Salary (After Tax)

$2,200 zł 8,207

$1,335 zł 4,978

64.86%

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: July 28, 2026

Last update for Kartuzy: July 27, 2026

Cost Breakdown

A central one-bedroom costs $1,123 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 65% 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 $56.0 in Warsaw versus $42.00 in Kartuzy. Monthly groceries follow the same trend: $248 vs $214 – 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 46% more than Kartuzy, with the gap driven mainly by 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 $3,058 per month in Warsaw and $2,087 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 $589 per month in Warsaw and $334 in Kartuzy. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 16% 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 $1,392, than in Warsaw at $2,038. 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 $1,392 versus $2,038 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.