Cost of Living Comparison Between Warsaw and Kielce Cost of Living Comparison Between Warsaw and Kielce

Monthly Cost of Living

Monthly costs for one person with rent: $2,186 in Warsaw versus $1,484 in Kielce.

Estimated couple costs with rent: $3,095 in Warsaw versus $2,107 in Kielce.

Monthly costs for a family of three with rent: $4,004 in Warsaw versus $2,731 in Kielce.

Living in Warsaw is roughly 47% more expensive than in Kielce, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Warsaw 58% above, Kielce 8% above.

Meal at Budget Restaurant

$12.62 zł 46.98

$11.93 zł 44.43

5.78%

Three-Course Dinner for Two, Mid-Range

$64.0 zł 238

$40.73 zł 152

57.01%

Fast Food Meal (McDonalds, etc)

$10.78 zł 40.13

$8.01 zł 29.82

34.58%

Cappuccino

$4.58 zł 17.06

$3.04 zł 11.32

50.66%

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

$2.51 zł 9.35

$1.57 zł 5.86

59.87%

Water (0.33 liter bottle)

$2.37 zł 8.83

$1.15 zł 4.29

106.09%

Local Beer (0.5 liter draught)

$4.71 zł 17.52

$3.82 zł 14.24

23.30%

Imported Beer (0.33 liter bottle)

$5.37 zł 20.01

$3.95 zł 14.70

35.95%

Milk (1 liter)

$1.17 zł 4.36

$1.15 zł 4.28

1.74%

White Bread (500g)

$1.61 zł 6.01

$1.45 zł 5.39

11.03%

Rice (white) (1kg)

$1.83 zł 6.81

$1.22 zł 4.52

50.00%

Eggs

$4.19 zł 15.62

$3.46 zł 12.89

21.10%

Local Cheese (1kg)

$9.75 zł 36.31

$7.28 zł 27.10

33.93%

Chicken Fillets (1kg)

$7.17 zł 26.68

$7.01 zł 26.12

2.28%

Beef Round Steak (1kg)

$15.84 zł 59.0

$9.24 zł 34.41

71.43%

Apples (1kg)

$1.32 zł 4.93

$0.97 zł 3.62

36.08%

Banana (1kg)

$1.79 zł 6.65

$1.61 zł 5.98

11.18%

Oranges (1kg)

$1.86 zł 6.93

$1.33 zł 4.96

39.85%

Tomato (1kg)

$4.32 zł 16.07

$2.52 zł 9.40

71.43%

Potato (1kg)

$0.95 zł 3.53

$0.69 zł 2.58

37.68%

Onion (1kg)

$0.92 zł 3.42

$0.88 zł 3.26

4.55%

Lettuce (1 head)

$1.50 zł 5.60

$1.06 zł 3.96

41.51%

Water (1.5 liter bottle)

$0.73 zł 2.71

$0.74 zł 2.77

-1.35%

Cigarettes 20 Pack (Marlboro, Camel)

$6.84 zł 25.47

$5.45 zł 20.30

25.50%

Wine (Bottle)

$6.85 zł 25.52

$6.79 zł 25.30

0.88%

Local Beer (0.5 liter bottle)

$1.19 zł 4.45

$1.30 zł 4.84

-8.46%

Imported Beer (0.33 liter bottle)

$1.93 zł 7.19

$1.58 zł 5.90

22.15%

One-way Ticket (Public Transport)

$1.16 zł 4.31

$1.10 zł 4.10

5.45%

Public Transport Monthly Pass (Regular Price)

$29.88 zł 111

$32.67 zł 122

-8.54%

Taxi Start (Normal Tariff)

$2.68 zł 9.97

$1.92 zł 7.14

39.58%

Taxi (Normal Tariff) (1km)

$1.39 zł 5.17

$1.06 zł 3.94

31.13%

Taxi 1hour Waiting (Normal Tariff)

$13.57 zł 50.5

$11.68 zł 43.47

16.18%

Gasoline (1 liter)

$1.77 zł 6.58

$1.65 zł 6.14

7.27%

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

$31.9K zł 118.9K

$32.2K zł 120.1K

-0.98%

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

$32.2K zł 120.0K

$28.9K zł 107.5K

11.66%

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

$379 zł 1,410

$244 zł 910

54.97%

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

$9.49 zł 35.35

$8.70 zł 32.38

9.08%

Internet (50+ Mbps, Unlimited Data)

$17.87 zł 66.5

$15.76 zł 58.7

13.39%

Gym Membership (Monthly)

$50.9 zł 189

$39.72 zł 148

28.05%

Tennis Court (1 Hour on Weekend)

$30.15 zł 112

$19.39 zł 72.2

55.49%

Cinema Ticket

$9.93 zł 36.96

$7.85 zł 29.23

26.50%

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

$620 zł 2,310

$282 zł 1,049

120.15%

International Primary School, 1 Child (Yearly)

$15.5K zł 57.8K

$8,457 zł 31.5K

83.46%

Jeans (Levis 501 Or Similar)

$114 zł 425

$77.1 zł 287

47.91%

Summer Dress (H&M, Zara, etc)

$42.74 zł 159

$38.45 zł 143

11.16%

Sport Shoes (Adidas, Nike)

$112 zł 417

$80.6 zł 300

38.96%

Men's Leather Business Shoes

$126 zł 471

$111 zł 414

13.63%

1-bedroom Apartment, City Center (Monthly)

$1,268 zł 4,722

$752 zł 2,799

68.72%

1-bedroom Apartment, Outside City Center (Monthly)

$994 zł 3,701

$583 zł 2,170

70.53%

3-bedroom Apartment, City Center (Monthly)

$2,200 zł 8,193

$1,018 zł 3,789

116.21%

3-bedroom Apartment, Outside City Center (Monthly)

$1,595 zł 5,939

$860 zł 3,204

85.38%

Buy Apartment in City Center (m2)

$6,459 zł 24.0K

$3,212 zł 12.0K

101.10%

Buy Apartment Outside City Center (m2)

$4,168 zł 15.5K

$2,545 zł 9,477

63.75%

Average Monthly Net Salary (After Tax)

$2,195 zł 8,173

$1,393 zł 5,187

57.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.65

6.42

3.58%

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

Last update for Warsaw: September 5, 2026

Last update for Kielce: September 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,268 in Warsaw and $752 in Kielce. Housing cost is often the main lever when comparing two cities.

Warsaw pays 58% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $64.0 in Warsaw vs $41.00 in Kielce for a mid-range dinner for two. Groceries echo the gap at $254 vs $202 per month, with Kielce cheaper across the board.

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 Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 47% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 58% 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: $1,268 in Warsaw versus $752 in Kielce. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,186 per month in Warsaw versus $1,484 in Kielce – a 47% gap that adds up to real savings over time for anyone picking the cheaper option.

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

At $1,484 in Kielce versus $2,186 in Warsaw, a $1,500 budget is realistic in Kielce but tight or insufficient in Warsaw. The gap between the two cities makes Kielce the clear choice for anyone on this budget.

For families, Kielce is more practical. Housing and childcare are both notably cheaper than in Warsaw, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Warsaw and Kielce are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Kielce gentler on the wallet – expenses run 47% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.