Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Kielce

For one person, living is cheaper in Kielce: $1,395 a month against $2,031 in Warsaw, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

97

Cost of Living Index in Warsaw
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Warsaw Living Index
68

Cost of Living Index in Kielce
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Kielce Living Index

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Warsaw

🇵🇱 Poland

$2,031

/mo nomad

Kielce

🇵🇱 Poland

$1,395

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Kielce

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 Kielce actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,031 in Warsaw versus $1,395 in Kielce.

Warsaw $2,031
Kielce $1,395

Estimated couple costs with rent: $2,883 in Warsaw versus $1,981 in Kielce.

Warsaw $2,883
Kielce $1,981

Monthly costs for a family of three with rent: $3,735 in Warsaw versus $2,566 in Kielce.

Warsaw $3,735
Kielce $2,566

Living in Warsaw is roughly 46% more expensive than in Kielce, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Warsaw 49% above, Kielce 2% above.

Meal at Budget Restaurant

$11.51 zł 45.51

$11.22 zł 44.37

2.58%

Three-Course Dinner for Two, Mid-Range

$60.0 zł 237

$38.60 zł 153

55.34%

Fast Food Meal (McDonalds, etc)

$10.17 zł 40.20

$7.54 zł 29.80

34.88%

Cappuccino

$4.26 zł 16.84

$3.08 zł 12.18

38.31%

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

$2.22 zł 8.77

$1.42 zł 5.62

56.34%

Water (0.33 liter bottle)

$2.20 zł 8.68

$1.13 zł 4.46

94.69%

Local Beer (0.5 liter draught)

$4.67 zł 18.47

$3.48 zł 13.74

34.20%

Imported Beer (0.33 liter bottle)

$5.10 zł 20.14

$3.73 zł 14.74

36.73%

Milk (1 liter)

$1.04 zł 4.10

$1.06 zł 4.18

-1.89%

White Bread (500g)

$1.49 zł 5.90

$1.37 zł 5.42

8.76%

Rice (white) (1kg)

$1.55 zł 6.12

$1.18 zł 4.65

31.36%

Eggs

$3.84 zł 15.18

$3.12 zł 12.32

23.08%

Local Cheese (1kg)

$8.98 zł 35.50

$6.84 zł 27.03

31.29%

Chicken Fillets (1kg)

$6.41 zł 25.32

$6.60 zł 26.10

-2.88%

Beef Round Steak (1kg)

$14.32 zł 56.6

$8.95 zł 35.39

60.00%

Apples (1kg)

$1.16 zł 4.60

$0.95 zł 3.76

22.11%

Banana (1kg)

$1.71 zł 6.75

$1.58 zł 6.26

8.23%

Oranges (1kg)

$1.67 zł 6.59

$1.24 zł 4.89

34.68%

Tomato (1kg)

$4.07 zł 16.07

$2.40 zł 9.48

69.58%

Potato (1kg)

$0.91 zł 3.61

$0.64 zł 2.53

42.19%

Onion (1kg)

$0.91 zł 3.62

$0.77 zł 3.05

18.18%

Lettuce (1 head)

$1.45 zł 5.75

$1.05 zł 4.14

38.10%

Water (1.5 liter bottle)

$0.64 zł 2.54

$0.64 zł 2.55

Cigarettes 20 Pack (Marlboro, Camel)

$6.28 zł 24.84

$5.17 zł 20.43

21.47%

Wine (Bottle)

$6.49 zł 25.63

$6.84 zł 27.02

-5.12%

Local Beer (0.5 liter bottle)

$1.10 zł 4.36

$1.30 zł 5.13

-15.38%

Imported Beer (0.33 liter bottle)

$1.73 zł 6.82

$1.42 zł 5.62

21.83%

One-way Ticket (Public Transport)

$1.13 zł 4.47

$1.04 zł 4.11

8.65%

Public Transport Monthly Pass (Regular Price)

$27.61 zł 109

$30.48 zł 120

-9.42%

Taxi Start (Normal Tariff)

$2.62 zł 10.34

$1.75 zł 6.91

49.71%

Taxi (Normal Tariff) (1km)

$1.23 zł 4.87

$1.00 zł 3.93

23.00%

Taxi 1hour Waiting (Normal Tariff)

$12.79 zł 50.5

$10.99 zł 43.43

16.38%

Gasoline (1 liter)

$1.69 zł 6.67

$1.59 zł 6.27

6.29%

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

$30.9K zł 122.0K

$30.2K zł 119.3K

2.27%

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

$29.5K zł 116.6K

$27.1K zł 107.1K

8.89%

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

$345 zł 1,363

$227 zł 898

51.70%

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

$8.92 zł 35.26

$8.01 zł 31.67

11.36%

Internet (50+ Mbps, Unlimited Data)

$15.86 zł 62.7

$15.02 zł 59.4

5.59%

Gym Membership (Monthly)

$46.80 zł 185

$38.17 zł 151

22.61%

Tennis Court (1 Hour on Weekend)

$27.37 zł 108

$18.90 zł 74.7

44.81%

Cinema Ticket

$8.94 zł 35.35

$7.40 zł 29.26

20.81%

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

$592 zł 2,339

$264 zł 1,042

124.50%

International Primary School, 1 Child (Yearly)

$14.6K zł 57.9K

$7,972 zł 31.5K

83.71%

Jeans (Levis 501 Or Similar)

$105 zł 416

$71.2 zł 281

47.66%

Summer Dress (H&M, Zara, etc)

$39.69 zł 157

$34.90 zł 138

13.72%

Sport Shoes (Adidas, Nike)

$104 zł 409

$76.9 zł 304

34.65%

Men's Leather Business Shoes

$111 zł 439

$105 zł 415

5.64%

1-bedroom Apartment, City Center (Monthly)

$1,136 zł 4,488

$710 zł 2,807

59.89%

1-bedroom Apartment, Outside City Center (Monthly)

$938 zł 3,706

$545 zł 2,153

72.12%

3-bedroom Apartment, City Center (Monthly)

$2,147 zł 8,485

$977 zł 3,863

119.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,463 zł 5,784

$800 zł 3,163

82.89%

Buy Apartment in City Center (m2)

$5,917 zł 23.4K

$3,017 zł 11.9K

96.14%

Buy Apartment Outside City Center (m2)

$3,905 zł 15.4K

$2,401 zł 9,491

62.61%

Average Monthly Net Salary (After Tax)

$2,097 zł 8,287

$1,339 zł 5,292

56.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

6.42

4.21%

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

Last update for Warsaw: October 25, 2026

Last update for Kielce: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$938 46.2%

Kielce

$545 39.1% 41.9% $393

Monthly Utilities & Internet

Warsaw

$370 18.2%

Kielce

$250 17.9% 32.3% $119

Groceries & Markets

Warsaw

$232 11.4%

Kielce

$191 13.7% 17.5% $41

Eating Out

Warsaw

$225 11.1%

Kielce

$184 13.2% 18% $41

Clothing & Footwear

Warsaw

$162 8%

Kielce

$130 9.3% 19.8% $32

Sport & Entertainment

Warsaw

$65 3.2%

Kielce

$53 3.8% 18.1% $12

Getting Around

Warsaw

$41 2%

Kielce

$41 3% 1.1% $0.5

Cost Breakdown

A one-bedroom apartment in the center runs $1,136 in Warsaw and $710 in Kielce. Housing cost is often the main lever when comparing two cities.

Warsaw pays 57% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $60 in Warsaw vs $39 in Kielce for a mid-range dinner for two. Groceries echo the gap at $232 vs $191 per month, with Kielce cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Kielce

🕒 Local time

15:02 3:02 PM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

192,468

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

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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

Warsaw vs Kielce: Cost of Living - Frequently Asked Questions

Kielce is cheaper overall, especially in eating out, groceries, and clothing. The 46% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 57% higher in Warsaw, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,136 in Warsaw versus $710 in Kielce. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,031 per month in Warsaw versus $1,395 in Kielce – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Warsaw runs roughly 9% less than in Kielce. Both cities have functional networks, but the price difference matters if you’re watching your budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

It comes down to priorities – Kielce wins on affordability, Warsaw on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.