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: $2,006 in Warsaw versus $1,336 in Koszalin.

Estimated couple costs with rent: $2,899 in Warsaw versus $1,983 in Koszalin.

Monthly costs for a family of three with rent: $3,792 in Warsaw versus $2,629 in Koszalin.

Living in Warsaw is roughly 50% more expensive than Koszalin, driven mainly by Groceries & Markets.

The two cities straddle the global median: Warsaw is 49% above, Koszalin is 1% below.

Meal at Budget Restaurant

$10.90 zł 39.84

$8.32 zł 30.41

31.01%

Three-Course Dinner for Two, Mid-Range

$56.5 zł 206

$40.45 zł 148

39.63%

Fast Food Meal (McDonalds, etc)

$9.68 zł 35.38

$8.74 zł 31.94

10.76%

Cappuccino

$4.28 zł 15.63

$3.19 zł 11.67

34.17%

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

$2.14 zł 7.83

$1.76 zł 6.45

21.59%

Water (0.33 liter bottle)

$1.83 zł 6.68

$1.39 zł 5.07

31.65%

Local Beer (0.5 liter draught)

$4.51 zł 16.48

$4.17 zł 15.25

8.15%

Imported Beer (0.33 liter bottle)

$4.70 zł 17.18

$2.19 zł 8.01

114.61%

Milk (1 liter)

$1.20 zł 4.37

$1.04 zł 3.80

15.38%

White Bread (500g)

$1.35 zł 4.93

$1.00 zł 3.65

35.00%

Rice (white) (1kg)

$1.79 zł 6.53

$0.84 zł 3.08

113.10%

Eggs

$3.52 zł 12.85

$3.09 zł 11.30

13.92%

Local Cheese (1kg)

$10.08 zł 36.83

$8.74 zł 31.96

15.33%

Chicken Fillets (1kg)

$6.96 zł 25.45

$6.72 zł 24.55

3.57%

Beef Round Steak (1kg)

$14.28 zł 52.2

$10.00 zł 36.56

42.80%

Apples (1kg)

$1.29 zł 4.72

$0.85 zł 3.09

51.76%

Banana (1kg)

$1.86 zł 6.81

$0.97 zł 3.55

91.75%

Oranges (1kg)

$1.96 zł 7.16

$1.94 zł 7.11

1.03%

Tomato (1kg)

$3.61 zł 13.19

$2.42 zł 8.84

49.17%

Potato (1kg)

$1.09 zł 3.97

$0.66 zł 2.41

65.15%

Onion (1kg)

$1.18 zł 4.31

$0.77 zł 2.83

53.25%

Lettuce (1 head)

$1.51 zł 5.52

$0.91 zł 3.33

65.93%

Water (1.5 liter bottle)

$0.67 zł 2.46

$0.49 zł 1.78

36.73%

Cigarettes 20 Pack (Marlboro, Camel)

$5.35 zł 19.56

$5.14 zł 18.77

4.09%

Wine (Bottle)

$8.27 zł 30.21

$6.96 zł 25.45

18.82%

Local Beer (0.5 liter bottle)

$1.36 zł 4.98

$0.92 zł 3.37

47.83%

Imported Beer (0.33 liter bottle)

$1.94 zł 7.10

$1.39 zł 5.07

39.57%

One-way Ticket (Public Transport)

$1.22 zł 4.44

$1.07 zł 3.93

14.02%

Public Transport Monthly Pass (Regular Price)

$29.89 zł 109

$29.14 zł 107

2.57%

Taxi Start (Normal Tariff)

$2.69 zł 9.83

$2.19 zł 8.00

22.83%

Taxi (Normal Tariff) (1km)

$1.02 zł 3.72

$0.62 zł 2.28

64.52%

Taxi 1hour Waiting (Normal Tariff)

$13.84 zł 50.6

$9.30 zł 33.98

48.82%

Gasoline (1 liter)

$1.75 zł 6.40

$1.69 zł 6.19

3.55%

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

$32.6K zł 119.3K

$32.0K zł 117.0K

2.02%

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

$33.4K zł 122.1K

$30.0K zł 109.6K

11.41%

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

$358 zł 1,308

$313 zł 1,146

14.18%

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

$10.14 zł 37.06

$11.05 zł 40.37

-8.24%

Internet (50+ Mbps, Unlimited Data)

$17.61 zł 64.4

$13.51 zł 49.39

30.35%

Gym Membership (Monthly)

$44.24 zł 162

$36.71 zł 134

20.51%

Tennis Court (1 Hour on Weekend)

$29.04 zł 106

$19.40 zł 70.9

49.69%

Cinema Ticket

$9.78 zł 35.76

$6.88 zł 25.15

42.15%

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

$570 zł 2,084

$378 zł 1,381

50.94%

International Primary School, 1 Child (Yearly)

$15.3K zł 56.0K

$7,705 zł 28.2K

98.97%

Jeans (Levis 501 Or Similar)

$97.9 zł 358

$86.4 zł 316

13.40%

Summer Dress (H&M, Zara, etc)

$46.82 zł 171

$41.43 zł 151

13.01%

Sport Shoes (Adidas, Nike)

$92.6 zł 338

$84.4 zł 309

9.65%

Men's Leather Business Shoes

$110 zł 400

$87.3 zł 319

25.46%

1-bedroom Apartment, City Center (Monthly)

$1,121 zł 4,097

$672 zł 2,457

66.76%

1-bedroom Apartment, Outside City Center (Monthly)

$912 zł 3,333

$407 zł 1,489

123.86%

3-bedroom Apartment, City Center (Monthly)

$2,032 zł 7,429

$1,066 zł 3,898

90.58%

3-bedroom Apartment, Outside City Center (Monthly)

$1,536 zł 5,615

$829 zł 3,030

85.31%

Buy Apartment in City Center (m2)

$6,351 zł 23.2K

$2,274 zł 8,310

179.35%

Buy Apartment Outside City Center (m2)

$4,022 zł 14.7K

Average Monthly Net Salary (After Tax)

$2,257 zł 8,250

$1,308 zł 4,780

72.60%

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: June 7, 2026

Last update for Koszalin: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,121 in Warsaw and $672 in Koszalin. Housing cost is often the main lever when comparing two cities.

Warsaw pays 73% 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 $245 vs $190 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 50% gap adds up to real monthly savings that compound significantly over time.

Warsaw pays 73% 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: $1,121 in Warsaw versus $672 in Koszalin. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 29% 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 $1,336 in Koszalin versus $2,006 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 50% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.