Last update: Nov 2026

Cost of Living Comparison Between Warsaw and Koło

For one person, living is cheaper in Koło: $1,457 a month against $1,995 in Warsaw, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Warsaw
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Warsaw Living Index
70

Cost of Living Index in Koło
Learn more

Koło Living Index

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Warsaw

🇵🇱 Poland

$1,995

/mo nomad

Koło

🇵🇱 Poland

$1,457

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Koło

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

Monthly costs for one person with rent: $1,995 in Warsaw versus $1,457 in Koło.

Warsaw $1,995
Koło $1,457

Estimated couple costs with rent: $2,866 in Warsaw versus $2,076 in Koło.

Warsaw $2,866
Koło $2,076

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $2,694 in Koło.

Warsaw $3,737
Koło $2,694

Living in Warsaw is roughly 37% more expensive than in Koło, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Warsaw 48% above, Koło 8% above.

Meal at Budget Restaurant

$11.57 zł 45.14

$9.60 zł 37.46

20.52%

Three-Course Dinner for Two, Mid-Range

$61.8 zł 241

$41.48 zł 162

49.06%

Fast Food Meal (McDonalds, etc)

$9.95 zł 38.83

$9.09 zł 35.46

9.46%

Cappuccino

$4.31 zł 16.81

$3.35 zł 13.07

28.66%

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

$2.32 zł 9.07

$2.10 zł 8.19

10.48%

Water (0.33 liter bottle)

$2.27 zł 8.85

$1.63 zł 6.36

39.26%

Local Beer (0.5 liter draught)

$4.54 zł 17.73

$3.55 zł 13.84

27.89%

Imported Beer (0.33 liter bottle)

$5.18 zł 20.20

$3.86 zł 15.08

34.20%

Milk (1 liter)

$1.06 zł 4.14

$1.00 zł 3.91

6.00%

White Bread (500g)

$1.54 zł 6.02

$1.22 zł 4.75

26.23%

Rice (white) (1kg)

$1.53 zł 5.96

$1.32 zł 5.16

15.91%

Eggs

$3.80 zł 14.82

$3.25 zł 12.67

16.92%

Local Cheese (1kg)

$8.87 zł 34.59

$8.44 zł 32.94

5.09%

Chicken Fillets (1kg)

$6.80 zł 26.53

$6.27 zł 24.45

8.45%

Beef Round Steak (1kg)

$14.56 zł 56.8

$11.87 zł 46.30

22.66%

Apples (1kg)

$1.16 zł 4.53

$1.11 zł 4.32

4.50%

Banana (1kg)

$1.70 zł 6.64

$1.63 zł 6.37

4.29%

Oranges (1kg)

$1.67 zł 6.53

$1.63 zł 6.37

2.45%

Tomato (1kg)

$4.35 zł 16.99

$2.75 zł 10.74

58.18%

Potato (1kg)

$0.94 zł 3.65

$0.89 zł 3.48

5.62%

Onion (1kg)

$0.91 zł 3.54

$1.00 zł 3.90

-9.00%

Lettuce (1 head)

$1.43 zł 5.57

$1.30 zł 5.06

10.00%

Water (1.5 liter bottle)

$0.69 zł 2.70

$0.65 zł 2.52

6.15%

Cigarettes 20 Pack (Marlboro, Camel)

$6.15 zł 24.01

$5.11 zł 19.92

20.35%

Wine (Bottle)

$6.20 zł 24.19

$6.75 zł 26.34

-8.15%

Local Beer (0.5 liter bottle)

$1.09 zł 4.27

$1.08 zł 4.22

0.93%

Imported Beer (0.33 liter bottle)

$1.70 zł 6.61

$1.54 zł 6.01

10.39%

One-way Ticket (Public Transport)

$1.13 zł 4.41

$1.10 zł 4.28

2.73%

Public Transport Monthly Pass (Regular Price)

$27.41 zł 107

$29.24 zł 114

-6.26%

Taxi Start (Normal Tariff)

$2.57 zł 10.02

$2.08 zł 8.12

23.56%

Taxi (Normal Tariff) (1km)

$1.30 zł 5.05

$0.74 zł 2.90

75.68%

Taxi 1hour Waiting (Normal Tariff)

$12.56 zł 48.99

$10.11 zł 39.43

24.23%

Gasoline (1 liter)

$1.73 zł 6.76

$1.60 zł 6.23

8.12%

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

$30.0K zł 117.1K

$30.2K zł 117.9K

-0.74%

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

$30.4K zł 118.5K

$28.1K zł 109.6K

8.15%

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

$329 zł 1,283

$288 zł 1,124

14.19%

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

$9.08 zł 35.42

$8.64 zł 33.70

5.09%

Internet (50+ Mbps, Unlimited Data)

$16.00 zł 62.4

$16.84 zł 65.7

-4.99%

Gym Membership (Monthly)

$46.70 zł 182

$37.46 zł 146

24.67%

Tennis Court (1 Hour on Weekend)

$27.92 zł 109

$21.72 zł 84.8

28.55%

Cinema Ticket

$8.80 zł 34.34

$7.49 zł 29.22

17.49%

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

$592 zł 2,310

$369 zł 1,441

60.37%

International Primary School, 1 Child (Yearly)

$18.2K zł 71.0K

$7,891 zł 30.8K

130.74%

Jeans (Levis 501 Or Similar)

$105 zł 410

$80.4 zł 314

30.66%

Summer Dress (H&M, Zara, etc)

$38.96 zł 152

$37.74 zł 147

3.23%

Sport Shoes (Adidas, Nike)

$108 zł 421

$86.5 zł 337

24.78%

Men's Leather Business Shoes

$112 zł 438

$98.6 zł 385

13.82%

1-bedroom Apartment, City Center (Monthly)

$1,150 zł 4,486

$597 zł 2,330

92.52%

1-bedroom Apartment, Outside City Center (Monthly)

$910 zł 3,551

$523 zł 2,040

74.06%

3-bedroom Apartment, City Center (Monthly)

$2,144 zł 8,364

$981 zł 3,826

118.62%

3-bedroom Apartment, Outside City Center (Monthly)

$1,456 zł 5,680

$800 zł 3,123

81.89%

Buy Apartment in City Center (m2)

$6,018 zł 23.5K

$2,941 zł 11.5K

104.62%

Buy Apartment Outside City Center (m2)

$3,852 zł 15.0K

$2,212 zł 8,630

74.16%

Average Monthly Net Salary (After Tax)

$2,052 zł 8,005

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

6.74

-0.89%

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

Last update for Warsaw: November 2, 2026

Last update for Koło: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$910 45.6%

Koło

$523 35.9% 42.5% $387

Monthly Utilities & Internet

Warsaw

$354 17.7%

Koło

$313 21.5% 11.4% $40

Groceries & Markets

Warsaw

$236 11.8%

Koło

$208 14.3% 11.9% $28

Eating Out

Warsaw

$226 11.3%

Koło

$185 12.7% 18.1% $41

Clothing & Footwear

Warsaw

$164 8.2%

Koło

$136 9.4% 16.7% $27

Sport & Entertainment

Warsaw

$64 3.2%

Koło

$52 3.6% 18.4% $12

Getting Around

Warsaw

$41 2.1%

Koło

$39 2.7% 3.8% $1.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,150 in Warsaw and $597 in Koło. Housing cost is often the main lever when comparing two cities.

Dining out: $62 in Warsaw vs $41 in Koło for a mid-range dinner for two. Groceries echo the gap at $236 vs $208 per month, with Koło cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Koło

🕒 Local time

05:51 5:51 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

21,035

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

Exchange rates and currency converter

On the map

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Distances are measured in a straight line. Your location is detected approximately.

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 Koło: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,995 in Warsaw and $1,457 in Koło, so Koło is about 27% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $2,992 in Warsaw and $2,186 in Koło to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,150 in Warsaw versus $597 in Koło. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Warsaw runs roughly 6% less than in Koło. The price difference matters if you commute daily and watch your budget.

Childcare runs $592 in Warsaw versus $369 in Koło. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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.

Safety-wise, Warsaw and Koło are both considered safe, so it’s unlikely to be the deciding factor between them.