Cost of Living Comparison Between Warsaw and Koszalin Cost of Living Comparison Between Warsaw and Koszalin

Monthly Cost of Living

Monthly costs for one person with rent: $2,038 in Warsaw versus $1,332 in Koszalin.

Estimated couple costs with rent: $2,911 in Warsaw versus $1,991 in Koszalin.

Monthly costs for a family of three with rent: $3,784 in Warsaw versus $2,650 in Koszalin.

Living in Warsaw is roughly 53% more expensive than in Koszalin, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Warsaw 53% above, Koszalin 0% above.

Meal at Budget Restaurant

$10.66 zł 39.77

$8.36 zł 31.18

27.51%

Three-Course Dinner for Two, Mid-Range

$56.1 zł 209

$40.01 zł 149

40.19%

Fast Food Meal (McDonalds, etc)

$9.65 zł 35.98

$8.60 zł 32.07

12.21%

Cappuccino

$4.11 zł 15.34

$3.18 zł 11.86

29.25%

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

$2.12 zł 7.91

$1.70 zł 6.33

24.71%

Water (0.33 liter bottle)

$1.89 zł 7.05

$1.38 zł 5.16

36.96%

Local Beer (0.5 liter draught)

$4.44 zł 16.55

$4.15 zł 15.48

6.99%

Imported Beer (0.33 liter bottle)

$4.48 zł 16.71

$2.12 zł 7.91

111.32%

Milk (1 liter)

$1.20 zł 4.46

$0.99 zł 3.69

21.21%

White Bread (500g)

$1.43 zł 5.33

$1.04 zł 3.88

37.50%

Rice (white) (1kg)

$1.82 zł 6.80

$0.79 zł 2.95

130.38%

Eggs

$3.61 zł 13.46

$3.03 zł 11.30

19.14%

Local Cheese (1kg)

$10.25 zł 38.24

$9.17 zł 34.20

11.78%

Chicken Fillets (1kg)

$7.15 zł 26.67

$6.67 zł 24.89

7.20%

Beef Round Steak (1kg)

$14.25 zł 53.2

$10.15 zł 37.86

40.39%

Apples (1kg)

$1.27 zł 4.72

$0.85 zł 3.16

49.41%

Banana (1kg)

$1.85 zł 6.92

$0.91 zł 3.38

103.30%

Oranges (1kg)

$2.03 zł 7.57

$1.88 zł 7.03

7.98%

Tomato (1kg)

$3.74 zł 13.95

$2.42 zł 9.02

54.55%

Potato (1kg)

$1.04 zł 3.90

$0.70 zł 2.62

48.57%

Onion (1kg)

$1.19 zł 4.44

$0.82 zł 3.07

45.12%

Lettuce (1 head)

$1.46 zł 5.46

$0.91 zł 3.39

60.44%

Water (1.5 liter bottle)

$0.71 zł 2.67

$0.48 zł 1.80

47.92%

Cigarettes 20 Pack (Marlboro, Camel)

$5.45 zł 20.32

$4.90 zł 18.27

11.22%

Wine (Bottle)

$8.01 zł 29.86

$6.39 zł 23.85

25.35%

Local Beer (0.5 liter bottle)

$1.37 zł 5.10

$0.86 zł 3.19

59.30%

Imported Beer (0.33 liter bottle)

$1.88 zł 7.03

$1.33 zł 4.98

41.35%

One-way Ticket (Public Transport)

$1.21 zł 4.51

$1.08 zł 4.01

12.04%

Public Transport Monthly Pass (Regular Price)

$30.26 zł 113

$29.35 zł 109

3.10%

Taxi Start (Normal Tariff)

$2.68 zł 9.98

$2.14 zł 7.98

25.23%

Taxi (Normal Tariff) (1km)

$1.01 zł 3.78

$0.63 zł 2.36

60.32%

Taxi 1hour Waiting (Normal Tariff)

$13.55 zł 50.5

$9.28 zł 34.61

46.01%

Gasoline (1 liter)

$1.76 zł 6.58

$1.75 zł 6.53

0.57%

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

$33.2K zł 123.7K

$31.8K zł 118.5K

4.40%

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

$32.7K zł 121.9K

$30.8K zł 114.9K

6.04%

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

$351 zł 1,309

$314 zł 1,173

11.61%

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

$9.98 zł 37.22

$11.00 zł 41.02

-9.27%

Internet (50+ Mbps, Unlimited Data)

$17.14 zł 63.9

$13.39 zł 49.95

28.01%

Gym Membership (Monthly)

$43.33 zł 162

$36.24 zł 135

19.56%

Tennis Court (1 Hour on Weekend)

$28.92 zł 108

$19.46 zł 72.6

48.61%

Cinema Ticket

$9.65 zł 36.01

$6.88 zł 25.65

40.26%

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

$589 zł 2,196

$365 zł 1,362

61.27%

International Primary School, 1 Child (Yearly)

$15.6K zł 58.1K

$7,653 zł 28.5K

103.38%

Jeans (Levis 501 Or Similar)

$97.4 zł 363

$85.9 zł 321

13.36%

Summer Dress (H&M, Zara, etc)

$47.77 zł 178

$42.33 zł 158

12.85%

Sport Shoes (Adidas, Nike)

$94.3 zł 352

$85.6 zł 319

10.09%

Men's Leather Business Shoes

$109 zł 406

$85.5 zł 319

27.24%

1-bedroom Apartment, City Center (Monthly)

$1,123 zł 4,187

$684 zł 2,552

64.05%

1-bedroom Apartment, Outside City Center (Monthly)

$897 zł 3,347

$411 zł 1,533

118.38%

3-bedroom Apartment, City Center (Monthly)

$2,054 zł 7,661

$1,088 zł 4,057

88.83%

3-bedroom Apartment, Outside City Center (Monthly)

$1,533 zł 5,719

$820 zł 3,060

86.86%

Buy Apartment in City Center (m2)

$6,293 zł 23.5K

$2,221 zł 8,286

183.31%

Buy Apartment Outside City Center (m2)

$3,875 zł 14.5K

Average Monthly Net Salary (After Tax)

$2,200 zł 8,207

$1,264 zł 4,714

74.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.55

6.9

9.42%

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

Last update for Warsaw: July 28, 2026

Last update for Koszalin: July 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,123 in Warsaw and $684 in Koszalin. Housing cost is often the main lever when comparing two cities.

Warsaw pays 74% 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: $56.0 in Warsaw vs $40.00 in Koszalin for a mid-range dinner for two. Groceries echo the gap at $248 vs $189 per month, with Koszalin 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 Koszalin: Cost of Living - Frequently Asked Questions

Koszalin is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around. The 53% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 74% 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: $1,123 in Warsaw versus $684 in Koszalin. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 31% higher in Warsaw. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Koszalin – a meal for two runs $40.00 versus $56.0 in Warsaw. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,332 in Koszalin versus $2,038 in Warsaw, a $1,500 budget is realistic in Koszalin but tight or insufficient in Warsaw. The gap between the two cities makes Koszalin the clear choice for anyone on this budget.

For families, Koszalin 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 Koszalin 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 Koszalin gentler on the wallet – expenses run 53% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.