Cost of Living Comparison Between Warsaw and Lomza Cost of Living Comparison Between Warsaw and Lomza

Monthly Cost of Living

Monthly costs for one person with rent: $2,153 in Warsaw versus $1,564 in Lomza.

Estimated couple costs with rent: $3,118 in Warsaw versus $2,238 in Lomza.

Monthly costs for a family of three with rent: $4,082 in Warsaw versus $2,912 in Lomza.

Living in Warsaw is roughly 38% more expensive than in Lomza, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Warsaw 57% above, Lomza 14% above.

Meal at Budget Restaurant

$12.62 zł 47.90

$9.96 zł 37.80

26.71%

Three-Course Dinner for Two, Mid-Range

$64.3 zł 244

$48.24 zł 183

33.29%

Fast Food Meal (McDonalds, etc)

$10.53 zł 39.96

$9.43 zł 35.81

11.66%

Cappuccino

$4.52 zł 17.17

$3.83 zł 14.55

18.02%

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

$2.43 zł 9.23

$2.83 zł 10.74

-14.13%

Water (0.33 liter bottle)

$2.30 zł 8.72

$2.88 zł 10.95

-20.14%

Local Beer (0.5 liter draught)

$4.89 zł 18.57

$4.65 zł 17.65

5.16%

Imported Beer (0.33 liter bottle)

$5.22 zł 19.82

$5.34 zł 20.26

-2.25%

Milk (1 liter)

$1.14 zł 4.31

$1.01 zł 3.85

12.87%

White Bread (500g)

$1.60 zł 6.07

$1.10 zł 4.16

45.45%

Rice (white) (1kg)

$1.85 zł 7.01

$1.44 zł 5.47

28.47%

Eggs

$3.95 zł 14.98

$3.56 zł 13.51

10.96%

Local Cheese (1kg)

$9.47 zł 35.94

$10.92 zł 41.45

-13.28%

Chicken Fillets (1kg)

$7.20 zł 27.35

$7.34 zł 27.87

-1.91%

Beef Round Steak (1kg)

$15.58 zł 59.2

$12.39 zł 47.05

25.75%

Apples (1kg)

$1.25 zł 4.74

$1.18 zł 4.47

5.93%

Banana (1kg)

$1.84 zł 6.98

$1.69 zł 6.42

8.88%

Oranges (1kg)

$1.82 zł 6.91

$2.42 zł 9.18

-24.79%

Tomato (1kg)

$4.03 zł 15.30

$3.12 zł 11.85

29.17%

Potato (1kg)

$0.88 zł 3.32

$0.86 zł 3.27

2.33%

Onion (1kg)

$0.97 zł 3.68

$0.97 zł 3.70

Lettuce (1 head)

$1.54 zł 5.83

$1.38 zł 5.24

11.59%

Water (1.5 liter bottle)

$0.72 zł 2.75

$0.62 zł 2.35

16.13%

Cigarettes 20 Pack (Marlboro, Camel)

$6.51 zł 24.73

$6.14 zł 23.31

6.03%

Wine (Bottle)

$6.68 zł 25.35

$6.77 zł 25.71

-1.33%

Local Beer (0.5 liter bottle)

$1.18 zł 4.48

$1.21 zł 4.60

-2.48%

Imported Beer (0.33 liter bottle)

$1.88 zł 7.15

$1.74 zł 6.60

8.05%

One-way Ticket (Public Transport)

$1.19 zł 4.53

$1.07 zł 4.06

11.21%

Public Transport Monthly Pass (Regular Price)

$29.05 zł 110

$28.65 zł 109

1.40%

Taxi Start (Normal Tariff)

$2.58 zł 9.81

$1.63 zł 6.19

58.28%

Taxi (Normal Tariff) (1km)

$1.32 zł 5.00

$0.60 zł 2.29

120.00%

Taxi 1hour Waiting (Normal Tariff)

$13.54 zł 51.4

$9.33 zł 35.42

45.12%

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 118.9K

$32.4K zł 122.9K

-3.27%

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

$31.2K zł 118.4K

$28.5K zł 108.0K

9.61%

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

$366 zł 1,391

$325 zł 1,234

12.69%

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

$8.92 zł 33.85

$8.83 zł 33.51

1.02%

Internet (50+ Mbps, Unlimited Data)

$17.20 zł 65.3

$17.88 zł 67.9

-3.80%

Gym Membership (Monthly)

$50.2 zł 191

$37.32 zł 142

34.62%

Tennis Court (1 Hour on Weekend)

$28.82 zł 109

$26.43 zł 100

9.04%

Cinema Ticket

$9.75 zł 37.02

$8.05 zł 30.56

21.12%

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

$623 zł 2,366

$530 zł 2,012

17.56%

International Primary School, 1 Child (Yearly)

$15.8K zł 60.1K

$10.9K zł 41.6K

44.55%

Jeans (Levis 501 Or Similar)

$112 zł 426

$76.1 zł 289

47.37%

Summer Dress (H&M, Zara, etc)

$41.82 zł 159

$42.42 zł 161

-1.41%

Sport Shoes (Adidas, Nike)

$112 zł 426

$93.1 zł 353

20.58%

Men's Leather Business Shoes

$123 zł 467

$102 zł 388

20.29%

1-bedroom Apartment, City Center (Monthly)

$1,236 zł 4,693

$633 zł 2,405

95.14%

1-bedroom Apartment, Outside City Center (Monthly)

$967 zł 3,673

$515 zł 1,954

87.99%

3-bedroom Apartment, City Center (Monthly)

$2,167 zł 8,228

$1,017 zł 3,859

113.19%

3-bedroom Apartment, Outside City Center (Monthly)

$1,578 zł 5,990

$873 zł 3,315

80.69%

Buy Apartment in City Center (m2)

$6,401 zł 24.3K

$2,755 zł 10.5K

132.29%

Buy Apartment Outside City Center (m2)

$4,165 zł 15.8K

$2,543 zł 9,655

63.76%

Average Monthly Net Salary (After Tax)

$2,145 zł 8,145

20-Year Fixed Mortgage Interest Rate (Annual %)

6.65

6.87

-3.20%

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

Last update for Warsaw: September 14, 2026

Last update for Lomza: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,236 in Warsaw and $633 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $64.0 in Warsaw vs $48.00 in Lomza for a mid-range dinner for two. Groceries echo the gap at $249 vs $230 per month, with Lomza 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 Lomza: Cost of Living - Frequently Asked Questions

Lomza is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around. The 38% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,229 in Warsaw and $2,347 in Lomza to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,236 in Warsaw versus $633 in Lomza. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Lomza runs roughly 1% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $623 in Warsaw versus $530 in Lomza. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,564 in Lomza versus $2,153 in Warsaw, a $1,500 budget is realistic in Lomza but tight or insufficient in Warsaw. The gap between the two cities makes Lomza the clear choice for anyone on this budget.

For families, Lomza 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 Lomza 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 Lomza gentler on the wallet – expenses run 38% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.