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: $2,153 in Warsaw versus $1,365 in Koszalin.

Estimated couple costs with rent: $3,118 in Warsaw versus $2,014 in Koszalin.

Monthly costs for a family of three with rent: $4,082 in Warsaw versus $2,663 in Koszalin.

Living in Warsaw is roughly 58% more expensive than in Koszalin, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw 57% above, Koszalin 0% above.

Meal at Budget Restaurant

$12.62 zł 47.89

$8.55 zł 32.45

47.60%

Three-Course Dinner for Two, Mid-Range

$64.3 zł 244

$39.38 zł 149

63.28%

Fast Food Meal (McDonalds, etc)

$10.53 zł 39.95

$9.20 zł 34.90

14.46%

Cappuccino

$4.52 zł 17.17

$3.14 zł 11.92

43.95%

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

$2.43 zł 9.23

$1.66 zł 6.31

46.39%

Water (0.33 liter bottle)

$2.30 zł 8.72

$1.30 zł 4.92

76.92%

Local Beer (0.5 liter draught)

$4.89 zł 18.57

$4.01 zł 15.21

21.95%

Imported Beer (0.33 liter bottle)

$5.22 zł 19.82

$2.70 zł 10.25

93.33%

Milk (1 liter)

$1.14 zł 4.31

$1.03 zł 3.91

10.68%

White Bread (500g)

$1.60 zł 6.07

$1.17 zł 4.46

36.75%

Rice (white) (1kg)

$1.85 zł 7.00

$0.83 zł 3.14

122.89%

Eggs

$3.95 zł 14.97

$2.92 zł 11.07

35.27%

Local Cheese (1kg)

$9.47 zł 35.93

$8.62 zł 32.70

9.86%

Chicken Fillets (1kg)

$7.20 zł 27.34

$6.69 zł 25.38

7.62%

Beef Round Steak (1kg)

$15.58 zł 59.1

$9.63 zł 36.53

61.79%

Apples (1kg)

$1.25 zł 4.74

$0.86 zł 3.27

45.35%

Banana (1kg)

$1.84 zł 6.97

$1.13 zł 4.27

62.83%

Oranges (1kg)

$1.82 zł 6.91

$1.83 zł 6.94

-0.55%

Tomato (1kg)

$4.03 zł 15.30

$2.47 zł 9.37

63.16%

Potato (1kg)

$0.88 zł 3.32

$0.66 zł 2.49

33.33%

Onion (1kg)

$0.97 zł 3.68

$0.78 zł 2.96

24.36%

Lettuce (1 head)

$1.54 zł 5.83

$0.92 zł 3.49

67.39%

Water (1.5 liter bottle)

$0.72 zł 2.75

$0.57 zł 2.15

26.32%

Cigarettes 20 Pack (Marlboro, Camel)

$6.51 zł 24.73

$4.81 zł 18.26

35.34%

Wine (Bottle)

$6.68 zł 25.34

$6.57 zł 24.95

1.67%

Local Beer (0.5 liter bottle)

$1.18 zł 4.48

$1.13 zł 4.28

4.42%

Imported Beer (0.33 liter bottle)

$1.88 zł 7.15

$1.45 zł 5.50

29.66%

One-way Ticket (Public Transport)

$1.19 zł 4.53

$1.04 zł 3.93

14.42%

Public Transport Monthly Pass (Regular Price)

$29.05 zł 110

$28.55 zł 108

1.75%

Taxi Start (Normal Tariff)

$2.58 zł 9.81

$2.09 zł 7.92

23.44%

Taxi (Normal Tariff) (1km)

$1.32 zł 4.99

$0.72 zł 2.74

83.33%

Taxi 1hour Waiting (Normal Tariff)

$13.54 zł 51.4

$9.24 zł 35.07

46.54%

Gasoline (1 liter)

$1.68 zł 6.38

$1.62 zł 6.16

3.70%

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

$31.3K zł 118.8K

$30.8K zł 116.7K

1.81%

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

$31.2K zł 118.4K

$28.3K zł 107.3K

10.37%

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

$366 zł 1,391

$305 zł 1,157

20.21%

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

$8.92 zł 33.84

$10.80 zł 40.99

-17.41%

Internet (50+ Mbps, Unlimited Data)

$17.20 zł 65.3

$17.64 zł 67.0

-2.49%

Gym Membership (Monthly)

$50.2 zł 191

$36.46 zł 138

37.79%

Tennis Court (1 Hour on Weekend)

$28.82 zł 109

Cinema Ticket

$9.75 zł 37.01

$7.80 zł 29.62

25.00%

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

$623 zł 2,365

$552 zł 2,094

12.96%

International Primary School, 1 Child (Yearly)

$15.8K zł 60.1K

$8,238 zł 31.3K

92.09%

Jeans (Levis 501 Or Similar)

$112 zł 425

$92.7 zł 352

20.97%

Summer Dress (H&M, Zara, etc)

$41.82 zł 159

$49.50 zł 188

-15.52%

Sport Shoes (Adidas, Nike)

$112 zł 426

$96.3 zł 366

16.53%

Men's Leather Business Shoes

$123 zł 466

$105 zł 399

17.02%

1-bedroom Apartment, City Center (Monthly)

$1,236 zł 4,692

$677 zł 2,570

82.59%

1-bedroom Apartment, Outside City Center (Monthly)

$967 zł 3,672

$405 zł 1,536

139.04%

3-bedroom Apartment, City Center (Monthly)

$2,167 zł 8,226

$1,063 zł 4,036

103.81%

3-bedroom Apartment, Outside City Center (Monthly)

$1,578 zł 5,989

$809 zł 3,071

95.04%

Buy Apartment in City Center (m2)

$6,401 zł 24.3K

$2,289 zł 8,690

179.57%

Buy Apartment Outside City Center (m2)

$4,165 zł 15.8K

Average Monthly Net Salary (After Tax)

$2,145 zł 8,143

$1,271 zł 4,826

68.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.65

6.67

-0.30%

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

Last update for Warsaw: September 14, 2026

Last update for Koszalin: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,236 in Warsaw and $677 in Koszalin. Housing cost is often the main lever when comparing two cities.

Warsaw pays 69% 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 $39.00 in Koszalin for a mid-range dinner for two. Groceries echo the gap at $249 vs $192 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 58% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 69% 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: $1,236 in Warsaw versus $677 in Koszalin. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 30% 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 $39.00 versus $64.0 in Warsaw. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,365 in Koszalin versus $2,153 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 58% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.