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: $2,024 in Warsaw versus $1,298 in Koszalin.

Estimated couple costs with rent: $2,895 in Warsaw versus $1,951 in Koszalin.

Monthly costs for a family of three with rent: $3,766 in Warsaw versus $2,603 in Koszalin.

Living in Warsaw is roughly 56% more expensive than Koszalin, driven mainly by Groceries & Markets.

The two cities straddle the global median: Warsaw is 51% above, Koszalin is 3% below.

Meal at Budget Restaurant

$10.65 zł 38.78

$8.36 zł 30.45

27.39%

Three-Course Dinner for Two, Mid-Range

$55.9 zł 204

$41.13 zł 150

35.93%

Fast Food Meal (McDonalds, etc)

$9.40 zł 34.21

$9.07 zł 33.00

3.64%

Cappuccino

$4.30 zł 15.66

$3.21 zł 11.67

33.96%

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

$2.10 zł 7.65

$1.70 zł 6.18

23.53%

Water (0.33 liter bottle)

$1.89 zł 6.86

$1.40 zł 5.09

35.00%

Local Beer (0.5 liter draught)

$4.43 zł 16.12

$4.06 zł 14.76

9.11%

Imported Beer (0.33 liter bottle)

$4.49 zł 16.33

$2.15 zł 7.81

108.84%

Milk (1 liter)

$1.19 zł 4.32

$1.00 zł 3.62

19.00%

White Bread (500g)

$1.43 zł 5.20

$1.04 zł 3.80

37.50%

Rice (white) (1kg)

$1.85 zł 6.73

$0.79 zł 2.86

134.18%

Eggs

$3.61 zł 13.13

$3.01 zł 10.96

19.93%

Local Cheese (1kg)

$10.31 zł 37.54

$9.20 zł 33.48

12.07%

Chicken Fillets (1kg)

$6.90 zł 25.12

$6.77 zł 24.63

1.92%

Beef Round Steak (1kg)

$14.44 zł 52.6

$9.88 zł 35.97

46.15%

Apples (1kg)

$1.27 zł 4.61

$0.88 zł 3.21

44.32%

Banana (1kg)

$1.78 zł 6.47

$0.98 zł 3.55

81.63%

Oranges (1kg)

$2.00 zł 7.27

$1.96 zł 7.12

2.04%

Tomato (1kg)

$3.77 zł 13.73

$2.51 zł 9.14

50.20%

Potato (1kg)

$1.05 zł 3.83

$0.67 zł 2.44

56.72%

Onion (1kg)

$1.22 zł 4.45

$0.78 zł 2.85

56.41%

Lettuce (1 head)

$1.51 zł 5.51

$0.92 zł 3.35

64.13%

Water (1.5 liter bottle)

$0.71 zł 2.59

$0.48 zł 1.75

47.92%

Cigarettes 20 Pack (Marlboro, Camel)

$5.47 zł 19.92

$5.08 zł 18.51

7.68%

Wine (Bottle)

$8.49 zł 30.89

$6.71 zł 24.44

26.53%

Local Beer (0.5 liter bottle)

$1.38 zł 5.03

$0.91 zł 3.33

51.65%

Imported Beer (0.33 liter bottle)

$1.88 zł 6.84

$1.39 zł 5.06

35.25%

One-way Ticket (Public Transport)

$1.17 zł 4.27

$1.12 zł 4.08

4.46%

Public Transport Monthly Pass (Regular Price)

$29.68 zł 108

$29.18 zł 106

1.71%

Taxi Start (Normal Tariff)

$2.77 zł 10.10

$2.20 zł 7.99

25.91%

Taxi (Normal Tariff) (1km)

$1.03 zł 3.74

$0.63 zł 2.30

63.49%

Taxi 1hour Waiting (Normal Tariff)

$13.79 zł 50.2

$9.54 zł 34.74

44.55%

Gasoline (1 liter)

$1.73 zł 6.28

$1.69 zł 6.16

2.37%

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

$33.6K zł 122.2K

$31.9K zł 116.2K

5.22%

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

$33.5K zł 122.1K

$30.1K zł 109.4K

11.64%

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

$363 zł 1,322

$317 zł 1,155

14.49%

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

$10.23 zł 37.22

$10.65 zł 38.77

-3.94%

Internet (50+ Mbps, Unlimited Data)

$17.25 zł 62.8

$13.36 zł 48.63

29.12%

Gym Membership (Monthly)

$43.78 zł 159

$36.34 zł 132

20.47%

Tennis Court (1 Hour on Weekend)

$28.60 zł 104

$19.36 zł 70.5

47.73%

Cinema Ticket

$9.72 zł 35.40

$6.66 zł 24.24

45.95%

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

$591 zł 2,150

$369 zł 1,341

60.25%

International Primary School, 1 Child (Yearly)

$15.6K zł 56.6K

$7,692 zł 28.0K

102.29%

Jeans (Levis 501 Or Similar)

$100 zł 365

$86.0 zł 313

16.47%

Summer Dress (H&M, Zara, etc)

$47.21 zł 172

$42.62 zł 155

10.77%

Sport Shoes (Adidas, Nike)

$94.9 zł 345

$84.0 zł 306

12.98%

Men's Leather Business Shoes

$108 zł 392

$86.3 zł 314

24.83%

1-bedroom Apartment, City Center (Monthly)

$1,144 zł 4,164

$667 zł 2,427

71.61%

1-bedroom Apartment, Outside City Center (Monthly)

$913 zł 3,322

$410 zł 1,491

122.76%

3-bedroom Apartment, City Center (Monthly)

$2,068 zł 7,527

$1,081 zł 3,934

91.35%

3-bedroom Apartment, Outside City Center (Monthly)

$1,549 zł 5,638

$816 zł 2,972

89.71%

Buy Apartment in City Center (m2)

$6,290 zł 22.9K

$2,373 zł 8,636

165.11%

Buy Apartment Outside City Center (m2)

$3,953 zł 14.4K

Average Monthly Net Salary (After Tax)

$2,251 zł 8,193

$1,324 zł 4,818

70.05%

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: April 26, 2026

Last update for Koszalin: April 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Warsaw and $667 in Koszalin. Housing cost is often the main lever when comparing two cities.

Warsaw pays 70% 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 $41.00 in Koszalin for a mid-range dinner for two. Groceries echo the gap at $248 vs $191 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 56% gap adds up to real monthly savings that compound significantly over time.

Warsaw pays 70% 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: $1,144 in Warsaw versus $667 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 $41.00 versus $56.0 in Warsaw. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,298 in Koszalin versus $2,024 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 56% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.