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: $2,025 in Warsaw versus $1,440 in Lomza.

Estimated couple costs with rent: $2,904 in Warsaw versus $2,091 in Lomza.

Monthly costs for a family of three with rent: $3,783 in Warsaw versus $2,742 in Lomza.

Living in Warsaw is roughly 41% more expensive than in Lomza, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Warsaw 52% above, Lomza 8% above.

Meal at Budget Restaurant

$10.75 zł 40.77

$9.52 zł 36.14

12.92%

Three-Course Dinner for Two, Mid-Range

$56.6 zł 215

$40.42 zł 153

40.10%

Fast Food Meal (McDonalds, etc)

$9.45 zł 35.86

$7.99 zł 30.30

18.27%

Cappuccino

$4.17 zł 15.81

$3.08 zł 11.69

35.39%

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

$2.10 zł 7.98

$2.18 zł 8.28

-3.67%

Water (0.33 liter bottle)

$1.83 zł 6.93

$1.70 zł 6.45

7.65%

Local Beer (0.5 liter draught)

$4.47 zł 16.95

$2.92 zł 11.06

53.08%

Imported Beer (0.33 liter bottle)

$4.54 zł 17.23

$3.58 zł 13.57

26.82%

Milk (1 liter)

$1.19 zł 4.51

$1.05 zł 3.97

13.33%

White Bread (500g)

$1.42 zł 5.40

$1.28 zł 4.86

10.94%

Rice (white) (1kg)

$1.79 zł 6.79

$1.59 zł 6.05

12.58%

Eggs

$3.57 zł 13.56

$3.30 zł 12.51

8.18%

Local Cheese (1kg)

$9.98 zł 37.88

$7.88 zł 29.92

26.65%

Chicken Fillets (1kg)

$6.92 zł 26.27

$6.29 zł 23.86

10.02%

Beef Round Steak (1kg)

$14.53 zł 55.1

$9.95 zł 37.75

46.03%

Apples (1kg)

$1.30 zł 4.93

$1.14 zł 4.31

14.04%

Banana (1kg)

$1.86 zł 7.06

$1.54 zł 5.83

20.78%

Oranges (1kg)

$1.93 zł 7.34

$1.62 zł 6.15

19.14%

Tomato (1kg)

$3.77 zł 14.29

$2.49 zł 9.43

51.41%

Potato (1kg)

$1.06 zł 4.00

$0.92 zł 3.48

15.22%

Onion (1kg)

$1.24 zł 4.70

$1.20 zł 4.56

3.33%

Lettuce (1 head)

$1.44 zł 5.47

$1.30 zł 4.92

10.77%

Water (1.5 liter bottle)

$0.72 zł 2.73

$0.61 zł 2.30

18.03%

Cigarettes 20 Pack (Marlboro, Camel)

$5.55 zł 21.05

$5.42 zł 20.55

2.40%

Wine (Bottle)

$7.75 zł 29.40

$7.01 zł 26.61

10.56%

Local Beer (0.5 liter bottle)

$1.37 zł 5.21

$1.01 zł 3.83

35.64%

Imported Beer (0.33 liter bottle)

$1.87 zł 7.08

$1.79 zł 6.81

4.47%

One-way Ticket (Public Transport)

$1.17 zł 4.43

$1.07 zł 4.07

9.35%

Public Transport Monthly Pass (Regular Price)

$29.63 zł 112

$32.04 zł 122

-7.52%

Taxi Start (Normal Tariff)

$2.66 zł 10.11

$2.12 zł 8.03

25.47%

Taxi (Normal Tariff) (1km)

$1.02 zł 3.86

$0.83 zł 3.15

22.89%

Taxi 1hour Waiting (Normal Tariff)

$13.35 zł 50.6

$10.53 zł 39.97

26.78%

Gasoline (1 liter)

$1.79 zł 6.78

$1.78 zł 6.74

0.56%

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

$32.8K zł 124.3K

$34.5K zł 130.8K

-5.00%

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

$32.6K zł 123.6K

$30.5K zł 115.9K

6.69%

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

$357 zł 1,353

$292 zł 1,107

22.20%

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

$10.23 zł 38.80

$7.76 zł 29.43

31.83%

Internet (50+ Mbps, Unlimited Data)

$17.49 zł 66.4

$16.42 zł 62.3

6.52%

Gym Membership (Monthly)

$44.37 zł 168

$36.88 zł 140

20.31%

Tennis Court (1 Hour on Weekend)

$29.18 zł 111

$19.89 zł 75.5

46.71%

Cinema Ticket

$9.39 zł 35.63

$8.91 zł 33.81

5.39%

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

$571 zł 2,168

$516 zł 1,959

10.67%

International Primary School, 1 Child (Yearly)

$15.3K zł 58.1K

$4,860 zł 18.4K

215.33%

Jeans (Levis 501 Or Similar)

$98.7 zł 375

$91.3 zł 346

8.13%

Summer Dress (H&M, Zara, etc)

$46.99 zł 178

$44.90 zł 170

4.65%

Sport Shoes (Adidas, Nike)

$94.7 zł 359

$101 zł 382

-5.87%

Men's Leather Business Shoes

$109 zł 415

$124 zł 471

-12.04%

1-bedroom Apartment, City Center (Monthly)

$1,135 zł 4,305

$648 zł 2,458

75.14%

1-bedroom Apartment, Outside City Center (Monthly)

$922 zł 3,497

$486 zł 1,845

89.59%

3-bedroom Apartment, City Center (Monthly)

$2,090 zł 7,931

$965 zł 3,662

116.60%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 zł 5,790

$830 zł 3,149

83.87%

Buy Apartment in City Center (m2)

$6,322 zł 24.0K

$3,430 zł 13.0K

84.34%

Buy Apartment Outside City Center (m2)

$3,919 zł 14.9K

$2,593 zł 9,837

51.16%

Average Monthly Net Salary (After Tax)

$2,150 zł 8,157

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: July 13, 2026

Last update for Lomza: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,135 in Warsaw and $648 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $57.0 in Warsaw vs $40.00 in Lomza for a mid-range dinner for two. Groceries echo the gap at $246 vs $202 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 41% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,038 in Warsaw and $2,159 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: $1,135 in Warsaw versus $648 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 $571 in Warsaw versus $516 in Lomza. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,440 in Lomza versus $2,025 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 41% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.