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: $2,040 in Warsaw versus $1,476 in Lomza.

Estimated couple costs with rent: $2,889 in Warsaw versus $2,098 in Lomza.

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $2,720 in Lomza.

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

Both cities are pricier than the global median: Warsaw 52% above, Lomza 10% above.

Meal at Budget Restaurant

$11.04 zł 40.27

$9.48 zł 34.56

16.46%

Three-Course Dinner for Two, Mid-Range

$58.1 zł 212

$40.65 zł 148

42.98%

Fast Food Meal (McDonalds, etc)

$9.74 zł 35.52

$8.16 zł 29.75

19.36%

Cappuccino

$4.29 zł 15.64

$3.19 zł 11.65

34.48%

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

$2.11 zł 7.70

$2.12 zł 7.72

-0.47%

Water (0.33 liter bottle)

$1.81 zł 6.62

$1.63 zł 5.95

11.04%

Local Beer (0.5 liter draught)

$4.45 zł 16.23

$2.93 zł 10.70

51.88%

Imported Beer (0.33 liter bottle)

$4.68 zł 17.08

$3.59 zł 13.08

30.36%

Milk (1 liter)

$1.15 zł 4.20

$1.05 zł 3.83

9.52%

White Bread (500g)

$1.36 zł 4.97

$1.23 zł 4.49

10.57%

Rice (white) (1kg)

$1.84 zł 6.70

$1.61 zł 5.86

14.29%

Eggs

$3.63 zł 13.24

$3.38 zł 12.33

7.40%

Local Cheese (1kg)

$10.11 zł 36.87

$7.99 zł 29.12

26.53%

Chicken Fillets (1kg)

$6.98 zł 25.45

$6.23 zł 22.74

12.04%

Beef Round Steak (1kg)

$14.55 zł 53.1

$9.62 zł 35.07

51.25%

Apples (1kg)

$1.29 zł 4.71

$1.14 zł 4.17

13.16%

Banana (1kg)

$1.79 zł 6.51

$1.59 zł 5.81

12.58%

Oranges (1kg)

$1.94 zł 7.06

$1.63 zł 5.95

19.02%

Tomato (1kg)

$3.62 zł 13.21

$2.50 zł 9.11

44.80%

Potato (1kg)

$1.06 zł 3.86

$0.98 zł 3.56

8.16%

Onion (1kg)

$1.18 zł 4.29

$1.19 zł 4.34

-0.84%

Lettuce (1 head)

$1.44 zł 5.25

$1.31 zł 4.76

9.92%

Water (1.5 liter bottle)

$0.67 zł 2.43

$0.65 zł 2.36

3.08%

Cigarettes 20 Pack (Marlboro, Camel)

$5.29 zł 19.30

$5.21 zł 18.99

1.54%

Wine (Bottle)

$8.29 zł 30.24

$7.33 zł 26.74

13.10%

Local Beer (0.5 liter bottle)

$1.43 zł 5.20

$1.07 zł 3.89

33.64%

Imported Beer (0.33 liter bottle)

$1.88 zł 6.86

$1.80 zł 6.56

4.44%

One-way Ticket (Public Transport)

$1.16 zł 4.23

$1.10 zł 4.02

5.45%

Public Transport Monthly Pass (Regular Price)

$29.77 zł 109

$32.16 zł 117

-7.43%

Taxi Start (Normal Tariff)

$2.63 zł 9.60

$2.14 zł 7.82

22.90%

Taxi (Normal Tariff) (1km)

$0.98 zł 3.56

$0.77 zł 2.82

27.27%

Taxi 1hour Waiting (Normal Tariff)

$13.42 zł 48.95

$10.56 zł 38.51

27.08%

Gasoline (1 liter)

$1.71 zł 6.23

$1.79 zł 6.52

-4.47%

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

$33.4K zł 121.8K

$33.8K zł 123.1K

-1.05%

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

$33.6K zł 122.5K

$30.7K zł 112.0K

9.42%

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

$357 zł 1,302

$290 zł 1,056

23.33%

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

$10.03 zł 36.58

$7.64 zł 27.87

31.28%

Internet (50+ Mbps, Unlimited Data)

$17.56 zł 64.0

$16.02 zł 58.4

9.61%

Gym Membership (Monthly)

$44.87 zł 164

$37.01 zł 135

21.24%

Tennis Court (1 Hour on Weekend)

$29.23 zł 107

$19.45 zł 70.9

50.28%

Cinema Ticket

$9.70 zł 35.36

$8.47 zł 30.90

14.52%

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

$580 zł 2,114

$503 zł 1,832

15.35%

International Primary School, 1 Child (Yearly)

$15.7K zł 57.1K

$4,707 zł 17.2K

232.92%

Jeans (Levis 501 Or Similar)

$99.2 zł 362

$90.3 zł 329

9.92%

Summer Dress (H&M, Zara, etc)

$46.99 zł 171

$44.63 zł 163

5.29%

Sport Shoes (Adidas, Nike)

$92.5 zł 337

$102 zł 373

-9.45%

Men's Leather Business Shoes

$111 zł 404

$125 zł 456

-11.38%

1-bedroom Apartment, City Center (Monthly)

$1,161 zł 4,233

$650 zł 2,370

78.64%

1-bedroom Apartment, Outside City Center (Monthly)

$890 zł 3,244

$485 zł 1,769

83.33%

3-bedroom Apartment, City Center (Monthly)

$2,033 zł 7,414

$971 zł 3,542

109.32%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 zł 5,566

$823 zł 3,001

85.48%

Buy Apartment in City Center (m2)

$6,283 zł 22.9K

$3,137 zł 11.4K

100.30%

Buy Apartment Outside City Center (m2)

$4,074 zł 14.9K

$2,130 zł 7,765

91.30%

Average Monthly Net Salary (After Tax)

$2,228 zł 8,126

20-Year Fixed Mortgage Interest Rate (Annual %)

7.55

6.28

20.22%

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

Last update for Warsaw: June 1, 2026

Last update for Lomza: May 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,161 in Warsaw and $650 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $58.0 in Warsaw vs $41.00 in Lomza for a mid-range dinner for two. Groceries echo the gap at $246 vs $203 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, Sport & Entertainment, Monthly Utilities & Internet. The 38% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,059 in Warsaw and $2,214 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: $1,161 in Warsaw versus $650 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 8% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $580 in Warsaw versus $503 in Lomza. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,476 in Lomza versus $2,040 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.