Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Koszalin

For one person, living is cheaper in Koszalin: $1,285 a month against $2,031 in Warsaw, rent and utilities included – about $9,000 less a year. Rent and utilities account for most of the difference.

97

Cost of Living Index in Warsaw
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Warsaw Living Index
62

Cost of Living Index in Koszalin
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Koszalin Living Index

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Warsaw

🇵🇱 Poland

$2,031

/mo nomad

Koszalin

🇵🇱 Poland

$1,285

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Koszalin

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

Monthly costs for one person with rent: $2,031 in Warsaw versus $1,285 in Koszalin.

Warsaw $2,031
Koszalin $1,285

Estimated couple costs with rent: $2,883 in Warsaw versus $1,906 in Koszalin.

Warsaw $2,883
Koszalin $1,906

Monthly costs for a family of three with rent: $3,735 in Warsaw versus $2,527 in Koszalin.

Warsaw $3,735
Koszalin $2,527

Living in Warsaw is roughly 58% more expensive than in Koszalin, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Warsaw is 49% above, Koszalin is 6% below.

Meal at Budget Restaurant

$11.51 zł 45.51

$8.34 zł 32.95

38.01%

Three-Course Dinner for Two, Mid-Range

$60.0 zł 237

$38.69 zł 153

54.98%

Fast Food Meal (McDonalds, etc)

$10.17 zł 40.20

$8.79 zł 34.76

15.70%

Cappuccino

$4.26 zł 16.85

$2.89 zł 11.41

47.40%

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

$2.22 zł 8.77

$1.63 zł 6.43

36.20%

Water (0.33 liter bottle)

$2.20 zł 8.68

$1.25 zł 4.94

76.00%

Local Beer (0.5 liter draught)

$4.67 zł 18.47

$3.88 zł 15.34

20.36%

Imported Beer (0.33 liter bottle)

$5.10 zł 20.14

$2.59 zł 10.25

96.91%

Milk (1 liter)

$1.04 zł 4.10

$0.91 zł 3.61

14.29%

White Bread (500g)

$1.49 zł 5.90

$1.13 zł 4.47

31.86%

Rice (white) (1kg)

$1.55 zł 6.12

$0.79 zł 3.12

96.20%

Eggs

$3.84 zł 15.18

$2.87 zł 11.36

33.80%

Local Cheese (1kg)

$8.98 zł 35.50

$8.58 zł 33.90

4.66%

Chicken Fillets (1kg)

$6.41 zł 25.33

$6.49 zł 25.65

-1.23%

Beef Round Steak (1kg)

$14.32 zł 56.6

$9.13 zł 36.07

56.85%

Apples (1kg)

$1.16 zł 4.60

$0.82 zł 3.23

41.46%

Banana (1kg)

$1.71 zł 6.75

$1.11 zł 4.40

54.05%

Oranges (1kg)

$1.67 zł 6.59

$1.75 zł 6.93

-4.57%

Tomato (1kg)

$4.07 zł 16.08

$2.24 zł 8.85

81.70%

Potato (1kg)

$0.91 zł 3.61

$0.60 zł 2.38

51.67%

Onion (1kg)

$0.91 zł 3.62

$0.79 zł 3.12

15.19%

Lettuce (1 head)

$1.45 zł 5.75

$0.91 zł 3.60

59.34%

Water (1.5 liter bottle)

$0.64 zł 2.54

$0.53 zł 2.11

20.75%

Cigarettes 20 Pack (Marlboro, Camel)

$6.28 zł 24.84

$4.82 zł 19.04

30.29%

Wine (Bottle)

$6.49 zł 25.64

$6.16 zł 24.35

5.36%

Local Beer (0.5 liter bottle)

$1.10 zł 4.36

$1.09 zł 4.30

0.92%

Imported Beer (0.33 liter bottle)

$1.73 zł 6.82

$1.38 zł 5.45

25.36%

One-way Ticket (Public Transport)

$1.13 zł 4.47

$1.05 zł 4.13

7.62%

Public Transport Monthly Pass (Regular Price)

$27.61 zł 109

$27.89 zł 110

-1.00%

Taxi Start (Normal Tariff)

$2.62 zł 10.34

$2.07 zł 8.18

26.57%

Taxi (Normal Tariff) (1km)

$1.23 zł 4.87

$0.67 zł 2.65

83.58%

Taxi 1hour Waiting (Normal Tariff)

$12.79 zł 50.5

$8.87 zł 35.06

44.19%

Gasoline (1 liter)

$1.69 zł 6.67

$1.57 zł 6.21

7.64%

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

$30.9K zł 122.0K

$29.7K zł 117.4K

3.99%

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

$29.5K zł 116.6K

$27.8K zł 109.9K

6.07%

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

$345 zł 1,363

$292 zł 1,156

17.91%

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

$8.92 zł 35.26

$10.32 zł 40.80

-13.57%

Internet (50+ Mbps, Unlimited Data)

$15.86 zł 62.7

$17.17 zł 67.9

-7.63%

Gym Membership (Monthly)

$46.80 zł 185

$35.21 zł 139

32.92%

Tennis Court (1 Hour on Weekend)

$27.37 zł 108

Cinema Ticket

$8.94 zł 35.35

$7.81 zł 30.87

14.47%

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

$592 zł 2,339

$522 zł 2,062

13.41%

International Primary School, 1 Child (Yearly)

$14.6K zł 57.9K

$7,944 zł 31.4K

84.36%

Jeans (Levis 501 Or Similar)

$105 zł 416

$86.2 zł 341

21.96%

Summer Dress (H&M, Zara, etc)

$39.69 zł 157

$47.55 zł 188

-16.53%

Sport Shoes (Adidas, Nike)

$104 zł 409

$92.4 zł 365

12.07%

Men's Leather Business Shoes

$111 zł 439

$100 zł 396

10.92%

1-bedroom Apartment, City Center (Monthly)

$1,136 zł 4,489

$638 zł 2,520

78.12%

1-bedroom Apartment, Outside City Center (Monthly)

$938 zł 3,707

$382 zł 1,511

145.28%

3-bedroom Apartment, City Center (Monthly)

$2,147 zł 8,486

$1,025 zł 4,052

109.41%

3-bedroom Apartment, Outside City Center (Monthly)

$1,463 zł 5,785

$747 zł 2,952

95.95%

Buy Apartment in City Center (m2)

$5,917 zł 23.4K

$2,130 zł 8,419

177.83%

Buy Apartment Outside City Center (m2)

$3,905 zł 15.4K

Average Monthly Net Salary (After Tax)

$2,097 zł 8,288

$1,234 zł 4,876

69.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

6.67

0.30%

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

Last update for Warsaw: October 25, 2026

Last update for Koszalin: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$938 46.2%

Koszalin

$382 29.8% 59.2% $555

Monthly Utilities & Internet

Warsaw

$370 18.2%

Koszalin

$320 24.9% 13.4% $50

Groceries & Markets

Warsaw

$232 11.4%

Koszalin

$184 14.3% 20.9% $48

Eating Out

Warsaw

$225 11.1%

Koszalin

$164 12.8% 27.2% $61

Clothing & Footwear

Warsaw

$162 8%

Koszalin

$147 11.4% 9.2% $15

Sport & Entertainment

Warsaw

$65 3.2%

Koszalin

$51 4% 21.4% $14

Getting Around

Warsaw

$41 2%

Koszalin

$38 2.9% 8.3% $3.4

Cost Breakdown

A one-bedroom apartment in the center runs $1,136 in Warsaw and $638 in Koszalin. Housing cost is often the main lever when comparing two cities.

Warsaw pays 70% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $60 in Warsaw vs $39 in Koszalin for a mid-range dinner for two. Groceries echo the gap at $232 vs $184 per month, with Koszalin cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Koszalin

🕒 Local time

10:18 10:18 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

105,143

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

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Warsaw Koszalin 390 km

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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 Koszalin: Cost of Living - Frequently Asked Questions

Koszalin is about 37% cheaper overall, especially in eating out, groceries, and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 70% 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: $1,136 in Warsaw versus $638 in Koszalin. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $592 in Warsaw versus $522 in Koszalin. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Koszalin – a meal for two runs $39 versus $60 in Warsaw. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,285 in Koszalin versus $2,031 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 both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Koszalin wins on affordability, Warsaw on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.