Last update: Nov 2026

Cost of Living Comparison Between Warsaw and Lomza

For one person, living is cheaper in Lomza: $1,507 a month against $1,995 in Warsaw, rent and utilities included – about $5,900 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Warsaw
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Warsaw Living Index
72

Cost of Living Index in Lomza
Learn more

Lomza Living Index

Jump to prices

Warsaw

🇵🇱 Poland

$1,995

/mo nomad

Lomza

🇵🇱 Poland

$1,507

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Lomza

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

Monthly costs for one person with rent: $1,995 in Warsaw versus $1,507 in Lomza.

Warsaw $1,995
Lomza $1,507

Estimated couple costs with rent: $2,866 in Warsaw versus $2,150 in Lomza.

Warsaw $2,866
Lomza $2,150

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $2,792 in Lomza.

Warsaw $3,737
Lomza $2,792

Living in Warsaw is roughly 32% more expensive than in Lomza, and outside of rent the biggest gap is in clothing.

Both cities are pricier than the global median: Warsaw 48% above, Lomza 11% above.

Meal at Budget Restaurant

$11.57 zł 45.21

$9.60 zł 37.53

20.52%

Three-Course Dinner for Two, Mid-Range

$61.8 zł 242

$46.68 zł 182

32.46%

Fast Food Meal (McDonalds, etc)

$9.95 zł 38.89

$8.63 zł 33.73

15.30%

Cappuccino

$4.31 zł 16.84

$3.56 zł 13.91

21.07%

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

$2.32 zł 9.09

$2.72 zł 10.62

-14.71%

Water (0.33 liter bottle)

$2.27 zł 8.86

$2.63 zł 10.29

-13.69%

Local Beer (0.5 liter draught)

$4.54 zł 17.75

$4.46 zł 17.42

1.79%

Imported Beer (0.33 liter bottle)

$5.18 zł 20.24

$4.99 zł 19.48

3.81%

Milk (1 liter)

$1.06 zł 4.15

$1.01 zł 3.96

4.95%

White Bread (500g)

$1.54 zł 6.02

$1.10 zł 4.30

40.00%

Rice (white) (1kg)

$1.53 zł 5.97

$1.37 zł 5.36

11.68%

Eggs

$3.80 zł 14.85

$3.43 zł 13.39

10.79%

Local Cheese (1kg)

$8.87 zł 34.65

$10.45 zł 40.83

-15.12%

Chicken Fillets (1kg)

$6.80 zł 26.57

$7.03 zł 27.46

-3.27%

Beef Round Steak (1kg)

$14.56 zł 56.9

$11.64 zł 45.47

25.09%

Apples (1kg)

$1.16 zł 4.53

$1.19 zł 4.67

-2.52%

Banana (1kg)

$1.70 zł 6.65

$1.60 zł 6.26

6.25%

Oranges (1kg)

$1.67 zł 6.54

$2.29 zł 8.96

-27.07%

Tomato (1kg)

$4.35 zł 17.02

$2.98 zł 11.63

45.97%

Potato (1kg)

$0.94 zł 3.66

$0.82 zł 3.21

14.63%

Onion (1kg)

$0.91 zł 3.55

$0.92 zł 3.58

-1.09%

Lettuce (1 head)

$1.43 zł 5.58

$1.34 zł 5.23

6.72%

Water (1.5 liter bottle)

$0.69 zł 2.71

$0.62 zł 2.43

11.29%

Cigarettes 20 Pack (Marlboro, Camel)

$6.15 zł 24.05

$5.57 zł 21.77

10.41%

Wine (Bottle)

$6.20 zł 24.23

$6.64 zł 25.94

-6.63%

Local Beer (0.5 liter bottle)

$1.09 zł 4.28

$1.09 zł 4.25

Imported Beer (0.33 liter bottle)

$1.70 zł 6.62

$1.74 zł 6.82

-2.30%

One-way Ticket (Public Transport)

$1.13 zł 4.42

$1.09 zł 4.25

3.67%

Public Transport Monthly Pass (Regular Price)

$27.41 zł 107

$29.37 zł 115

-6.67%

Taxi Start (Normal Tariff)

$2.57 zł 10.04

$1.58 zł 6.16

62.66%

Taxi (Normal Tariff) (1km)

$1.30 zł 5.06

$0.57 zł 2.24

128.07%

Taxi 1hour Waiting (Normal Tariff)

$12.56 zł 49.06

$9.20 zł 35.96

36.52%

Gasoline (1 liter)

$1.73 zł 6.77

$1.59 zł 6.23

8.81%

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

$30.0K zł 117.2K

$30.8K zł 120.3K

-2.54%

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

$30.4K zł 118.7K

$27.6K zł 107.7K

10.26%

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

$329 zł 1,285

$306 zł 1,197

7.38%

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

$9.08 zł 35.47

$8.56 zł 33.47

6.07%

Internet (50+ Mbps, Unlimited Data)

$16.00 zł 62.5

$17.23 zł 67.4

-7.14%

Gym Membership (Monthly)

$46.70 zł 183

$38.01 zł 149

22.86%

Tennis Court (1 Hour on Weekend)

$27.92 zł 109

$22.07 zł 86.2

26.51%

Cinema Ticket

$8.80 zł 34.40

$8.09 zł 31.60

8.78%

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

$592 zł 2,314

$507 zł 1,982

16.74%

International Primary School, 1 Child (Yearly)

$18.2K zł 71.2K

$10.4K zł 40.8K

74.47%

Jeans (Levis 501 Or Similar)

$105 zł 410

$73.4 zł 287

43.03%

Summer Dress (H&M, Zara, etc)

$38.96 zł 152

$40.73 zł 159

-4.35%

Sport Shoes (Adidas, Nike)

$108 zł 422

$88.8 zł 347

21.52%

Men's Leather Business Shoes

$112 zł 438

$94.8 zł 370

18.39%

1-bedroom Apartment, City Center (Monthly)

$1,150 zł 4,493

$585 zł 2,284

96.67%

1-bedroom Apartment, Outside City Center (Monthly)

$910 zł 3,557

$529 zł 2,068

71.99%

3-bedroom Apartment, City Center (Monthly)

$2,144 zł 8,377

$953 zł 3,724

124.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,456 zł 5,689

$803 zł 3,137

81.34%

Buy Apartment in City Center (m2)

$6,018 zł 23.5K

$2,932 zł 11.5K

105.27%

Buy Apartment Outside City Center (m2)

$3,852 zł 15.1K

$2,198 zł 8,590

75.26%

Average Monthly Net Salary (After Tax)

$2,052 zł 8,017

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

6.87

-2.77%

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

Last update for Warsaw: November 2, 2026

Last update for Lomza: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$910 45.6%

Lomza

$529 35.1% 41.9% $381

Monthly Utilities & Internet

Warsaw

$354 17.7%

Lomza

$332 22% 6.2% $22

Groceries & Markets

Warsaw

$236 11.8%

Lomza

$221 14.6% 6.5% $15

Eating Out

Warsaw

$226 11.3%

Lomza

$199 13.2% 11.7% $26

Clothing & Footwear

Warsaw

$164 8.2%

Lomza

$134 8.9% 18.2% $30

Sport & Entertainment

Warsaw

$64 3.2%

Lomza

$54 3.6% 15.7% $10

Getting Around

Warsaw

$41 2.1%

Lomza

$38 2.5% 6.9% $2.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,150 in Warsaw and $585 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $62 in Warsaw vs $47 in Lomza for a mid-range dinner for two. Groceries echo the gap at $236 vs $221 per month, with Lomza cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Lomza

🕒 Local time

00:55 12:55 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

62,711

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

On the map

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Warsaw Lomza 130 km

From you

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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 Lomza: Cost of Living - Frequently Asked Questions

Lomza is about 24% cheaper overall, especially in clothing, eating out, and groceries. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,992 in Warsaw and $2,261 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: $1,150 in Warsaw versus $585 in Lomza. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Warsaw runs roughly 7% less than in Lomza. The price difference matters if you commute daily and watch your budget.

Childcare runs $592 in Warsaw versus $507 in Lomza. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Both cities are expensive relative to $1,500. Lomza is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Warsaw and Lomza are both considered safe, so it’s unlikely to be the deciding factor between them.