Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Plock

For one person, living is cheaper in Plock: $1,392 a month against $2,032 in Warsaw, rent and utilities included – about $7,700 less a year. Rent and utilities account for most of the difference.

99

Cost of Living Index in Warsaw
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Warsaw Living Index
68

Cost of Living Index in Plock
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Plock Living Index

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Warsaw

🇵🇱 Poland

$2,032

/mo nomad

Plock

🇵🇱 Poland

$1,392

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Plock

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

Monthly costs for one person with rent: $2,032 in Warsaw versus $1,392 in Plock.

Warsaw $2,032
Plock $1,392

Estimated couple costs with rent: $2,918 in Warsaw versus $2,003 in Plock.

Warsaw $2,918
Plock $2,003

Monthly costs for a family of three with rent: $3,804 in Warsaw versus $2,614 in Plock.

Warsaw $3,804
Plock $2,614

Living in Warsaw is roughly 46% more expensive than in Plock, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Warsaw 50% above, Plock 3% above.

Meal at Budget Restaurant

$11.51 zł 44.72

$9.15 zł 35.57

25.79%

Three-Course Dinner for Two, Mid-Range

$60.6 zł 236

$38.19 zł 148

58.76%

Fast Food Meal (McDonalds, etc)

$10.00 zł 38.87

$7.81 zł 30.35

28.04%

Cappuccino

$4.17 zł 16.22

$3.34 zł 12.99

24.85%

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

$2.27 zł 8.81

$1.73 zł 6.70

31.21%

Water (0.33 liter bottle)

$2.21 zł 8.61

$1.64 zł 6.36

34.76%

Local Beer (0.5 liter draught)

$4.60 zł 17.87

$3.84 zł 14.92

19.79%

Imported Beer (0.33 liter bottle)

$5.01 zł 19.47

$2.65 zł 10.29

89.06%

Milk (1 liter)

$1.05 zł 4.07

$1.03 zł 4.02

1.94%

White Bread (500g)

$1.52 zł 5.90

$1.29 zł 5.01

17.83%

Rice (white) (1kg)

$1.54 zł 6.00

$0.94 zł 3.67

63.83%

Eggs

$3.76 zł 14.60

$2.79 zł 10.82

34.77%

Local Cheese (1kg)

$8.55 zł 33.22

$9.14 zł 35.52

-6.46%

Chicken Fillets (1kg)

$6.29 zł 24.43

$6.13 zł 23.82

2.61%

Beef Round Steak (1kg)

$14.54 zł 56.5

$11.72 zł 45.53

24.06%

Apples (1kg)

$1.17 zł 4.55

$0.99 zł 3.86

18.18%

Banana (1kg)

$1.73 zł 6.73

$1.49 zł 5.77

16.11%

Oranges (1kg)

$1.71 zł 6.66

$1.56 zł 6.06

9.62%

Tomato (1kg)

$4.04 zł 15.71

$1.50 zł 5.83

169.33%

Potato (1kg)

$0.91 zł 3.53

$0.95 zł 3.67

-4.21%

Onion (1kg)

$0.86 zł 3.34

$1.35 zł 5.25

-36.30%

Lettuce (1 head)

$1.39 zł 5.39

$1.11 zł 4.33

25.23%

Water (1.5 liter bottle)

$0.69 zł 2.67

$0.33 zł 1.30

109.09%

Cigarettes 20 Pack (Marlboro, Camel)

$6.19 zł 24.04

$5.54 zł 21.53

11.73%

Wine (Bottle)

$6.46 zł 25.10

$8.39 zł 32.60

-23.00%

Local Beer (0.5 liter bottle)

$1.10 zł 4.28

$1.02 zł 3.96

7.84%

Imported Beer (0.33 liter bottle)

$1.63 zł 6.35

$1.36 zł 5.28

19.85%

One-way Ticket (Public Transport)

$1.11 zł 4.31

$1.19 zł 4.63

-6.72%

Public Transport Monthly Pass (Regular Price)

$28.52 zł 111

$28.03 zł 109

1.75%

Taxi Start (Normal Tariff)

$2.47 zł 9.58

$2.08 zł 8.07

18.75%

Taxi (Normal Tariff) (1km)

$1.31 zł 5.08

$0.59 zł 2.28

122.03%

Taxi 1hour Waiting (Normal Tariff)

$12.87 zł 50.0

$9.79 zł 38.02

31.46%

Gasoline (1 liter)

$1.75 zł 6.80

$1.56 zł 6.05

12.18%

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

$30.7K zł 119.4K

$25.2K zł 97.8K

22.08%

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

$30.8K zł 119.5K

$27.1K zł 105.4K

13.38%

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

$341 zł 1,324

$283 zł 1,100

20.43%

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

$9.00 zł 34.95

$8.20 zł 31.88

9.76%

Internet (50+ Mbps, Unlimited Data)

$16.19 zł 62.9

$18.78 zł 73.0

-13.79%

Gym Membership (Monthly)

$45.81 zł 178

$29.68 zł 115

54.35%

Tennis Court (1 Hour on Weekend)

$27.81 zł 108

$22.04 zł 85.6

26.18%

Cinema Ticket

$9.04 zł 35.12

$6.30 zł 24.46

43.49%

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

$594 zł 2,306

$320 zł 1,244

85.36%

International Primary School, 1 Child (Yearly)

$14.3K zł 55.6K

$5,045 zł 19.6K

183.80%

Jeans (Levis 501 Or Similar)

$109 zł 424

$63.9 zł 248

70.65%

Summer Dress (H&M, Zara, etc)

$40.12 zł 156

$36.25 zł 141

10.68%

Sport Shoes (Adidas, Nike)

$104 zł 405

$89.5 zł 348

16.58%

Men's Leather Business Shoes

$111 zł 431

$100 zł 389

10.73%

1-bedroom Apartment, City Center (Monthly)

$1,181 zł 4,587

$609 zł 2,367

93.81%

1-bedroom Apartment, Outside City Center (Monthly)

$942 zł 3,659

$499 zł 1,941

88.56%

3-bedroom Apartment, City Center (Monthly)

$2,074 zł 8,056

$979 zł 3,804

111.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,533 zł 5,958

$821 zł 3,188

86.87%

Buy Apartment in City Center (m2)

$5,932 zł 23.0K

$2,764 zł 10.7K

114.62%

Buy Apartment Outside City Center (m2)

$3,836 zł 14.9K

$2,202 zł 8,557

74.17%

Average Monthly Net Salary (After Tax)

$2,049 zł 7,959

$1,177 zł 4,572

74.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

6.53

2.30%

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

Last update for Warsaw: October 10, 2026

Last update for Plock: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$942 46.4%

Plock

$499 35.9% 47% $442

Monthly Utilities & Internet

Warsaw

$366 18%

Plock

$310 22.3% 15.3% $56

Groceries & Markets

Warsaw

$231 11.4%

Plock

$198 14.2% 14.4% $33

Eating Out

Warsaw

$223 11%

Plock

$175 12.6% 21.7% $48

Clothing & Footwear

Warsaw

$164 8.1%

Plock

$130 9.4% 20.5% $34

Sport & Entertainment

Warsaw

$64 3.1%

Plock

$42 3% 33.8% $22

Getting Around

Warsaw

$42 2.1%

Plock

$38 2.7% 9.9% $4.1

Cost Breakdown

A one-bedroom apartment in the center runs $1,181 in Warsaw and $609 in Plock. Housing cost is often the main lever when comparing two cities.

Warsaw pays 74% 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: $61.0 in Warsaw vs $38.00 in Plock for a mid-range dinner for two. Groceries echo the gap at $231 vs $198 per month, with Plock cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Plock

🕒 Local time

23:20 11:20 PM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

122,815

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

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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 Plock: Cost of Living - Frequently Asked Questions

Plock wins on cost – living expenses run 46% lower than in Warsaw. Housing and daily spending are where you'll feel the difference most, making Plock the obvious pick if budget is a priority.

Average pay runs 74% higher in Warsaw, 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: $1,181 in Warsaw versus $609 in Plock. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Plock runs roughly 2% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $594 in Warsaw versus $320 in Plock. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,392 in Plock versus $2,032 in Warsaw, a $1,000 budget is realistic in Plock but tight or insufficient in Warsaw. The gap between the two cities makes Plock the clear choice for anyone on this budget.

Both work as nomad bases, but Plock delivers better value – similar infrastructure at $1,392 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Plock hard to pass up.

Safety-wise, Warsaw and Plock 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 Plock gentler on the wallet – expenses run 46% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.