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: $2,040 in Warsaw versus $1,309 in Kielce.

Estimated couple costs with rent: $2,889 in Warsaw versus $1,852 in Kielce.

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $2,394 in Kielce.

Living in Warsaw is roughly 56% more expensive than Kielce, driven mainly by Eating Out.

The two cities straddle the global median: Warsaw is 52% above, Kielce is 2% below.

Meal at Budget Restaurant

$11.04 zł 40.27

$10.75 zł 39.20

2.70%

Three-Course Dinner for Two, Mid-Range

$58.1 zł 212

$40.40 zł 147

43.86%

Fast Food Meal (McDonalds, etc)

$9.74 zł 35.52

$6.58 zł 23.98

48.02%

Cappuccino

$4.29 zł 15.64

$3.02 zł 11.02

42.05%

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

$2.11 zł 7.70

$2.11 zł 7.68

Water (0.33 liter bottle)

$1.81 zł 6.62

$0.85 zł 3.10

112.94%

Local Beer (0.5 liter draught)

$4.45 zł 16.23

$3.18 zł 11.59

39.94%

Imported Beer (0.33 liter bottle)

$4.68 zł 17.08

$3.99 zł 14.53

17.29%

Milk (1 liter)

$1.15 zł 4.20

$1.02 zł 3.72

12.75%

White Bread (500g)

$1.36 zł 4.97

$1.44 zł 5.24

-5.56%

Rice (white) (1kg)

$1.84 zł 6.70

$1.17 zł 4.28

57.26%

Eggs

$3.63 zł 13.24

$3.26 zł 11.89

11.35%

Local Cheese (1kg)

$10.11 zł 36.87

$8.69 zł 31.70

16.34%

Chicken Fillets (1kg)

$6.98 zł 25.45

$6.78 zł 24.70

2.95%

Beef Round Steak (1kg)

$14.55 zł 53.1

$12.82 zł 46.74

13.49%

Apples (1kg)

$1.29 zł 4.71

$0.94 zł 3.41

37.23%

Banana (1kg)

$1.79 zł 6.51

$1.47 zł 5.37

21.77%

Oranges (1kg)

$1.94 zł 7.06

$1.60 zł 5.84

21.25%

Tomato (1kg)

$3.62 zł 13.21

$2.82 zł 10.27

28.37%

Potato (1kg)

$1.06 zł 3.86

$0.60 zł 2.17

76.67%

Onion (1kg)

$1.18 zł 4.29

$0.58 zł 2.12

103.45%

Lettuce (1 head)

$1.44 zł 5.25

$1.71 zł 6.22

-15.79%

Water (1.5 liter bottle)

$0.67 zł 2.43

$0.47 zł 1.71

42.55%

Cigarettes 20 Pack (Marlboro, Camel)

$5.29 zł 19.30

$5.14 zł 18.73

2.92%

Wine (Bottle)

$8.29 zł 30.24

$6.76 zł 24.64

22.63%

Local Beer (0.5 liter bottle)

$1.43 zł 5.20

$1.28 zł 4.65

11.72%

Imported Beer (0.33 liter bottle)

$1.88 zł 6.86

$1.50 zł 5.49

25.33%

One-way Ticket (Public Transport)

$1.16 zł 4.23

$1.12 zł 4.09

3.57%

Public Transport Monthly Pass (Regular Price)

$29.77 zł 109

$32.78 zł 120

-9.18%

Taxi Start (Normal Tariff)

$2.63 zł 9.60

$2.38 zł 8.66

10.50%

Taxi (Normal Tariff) (1km)

$0.98 zł 3.56

$0.73 zł 2.68

34.25%

Taxi 1hour Waiting (Normal Tariff)

$13.42 zł 48.95

$15.04 zł 54.9

-10.77%

Gasoline (1 liter)

$1.71 zł 6.23

$1.73 zł 6.30

-1.16%

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

$33.4K zł 121.8K

$34.0K zł 123.8K

-1.66%

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

$33.6K zł 122.5K

$29.3K zł 106.9K

14.60%

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

$357 zł 1,302

$208 zł 758

71.74%

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

$10.03 zł 36.58

$8.44 zł 30.76

18.84%

Internet (50+ Mbps, Unlimited Data)

$17.56 zł 64.0

$12.20 zł 44.48

43.93%

Gym Membership (Monthly)

$44.87 zł 164

$30.98 zł 113

44.84%

Tennis Court (1 Hour on Weekend)

$29.23 zł 107

$20.39 zł 74.4

43.35%

Cinema Ticket

$9.70 zł 35.36

$8.02 zł 29.24

20.95%

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

$580 zł 2,114

$275 zł 1,002

110.97%

International Primary School, 1 Child (Yearly)

$15.7K zł 57.1K

$5,920 zł 21.6K

164.70%

Jeans (Levis 501 Or Similar)

$99.2 zł 362

$77.3 zł 282

28.37%

Summer Dress (H&M, Zara, etc)

$46.99 zł 171

$49.17 zł 179

-4.43%

Sport Shoes (Adidas, Nike)

$92.5 zł 337

$80.4 zł 293

15.03%

Men's Leather Business Shoes

$111 zł 404

$112 zł 408

-1.16%

1-bedroom Apartment, City Center (Monthly)

$1,161 zł 4,233

$558 zł 2,035

108.00%

1-bedroom Apartment, Outside City Center (Monthly)

$890 zł 3,244

$446 zł 1,626

99.45%

3-bedroom Apartment, City Center (Monthly)

$2,033 zł 7,414

$793 zł 2,891

156.47%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 zł 5,566

$597 zł 2,178

155.59%

Buy Apartment in City Center (m2)

$6,283 zł 22.9K

$3,348 zł 12.2K

87.67%

Buy Apartment Outside City Center (m2)

$4,074 zł 14.9K

$2,589 zł 9,442

57.34%

Average Monthly Net Salary (After Tax)

$2,228 zł 8,126

$1,435 zł 5,233

55.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.55

5.97

26.47%

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

Last update for Warsaw: June 1, 2026

Last update for Kielce: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,161 in Warsaw and $558 in Kielce. Housing cost is often the main lever when comparing two cities.

Warsaw pays 55% 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: $58.0 in Warsaw vs $40.00 in Kielce for a mid-range dinner for two. Groceries echo the gap at $246 vs $213 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 56% gap adds up to real monthly savings that compound significantly over time.

Warsaw pays 55% more on average, 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: $1,161 in Warsaw versus $558 in Kielce. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,040 per month in Warsaw versus $1,309 in Kielce – a 56% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kielce runs roughly 10% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,309 in Kielce versus $2,040 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 56% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.