Last update: Nov 2026

Cost of Living Comparison Between Warsaw and Siedlce

For one person, living is cheaper in Siedlce: $1,169 a month against $1,995 in Warsaw, rent and utilities included – about $9,900 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
56

Cost of Living Index in Siedlce
Learn more

Siedlce Living Index

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Warsaw

🇵🇱 Poland

$1,995

/mo nomad

Siedlce

🇵🇱 Poland

$1,169

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Siedlce

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

Monthly costs for one person with rent: $1,995 in Warsaw versus $1,169 in Siedlce.

Warsaw $1,995
Siedlce $1,169

Estimated couple costs with rent: $2,866 in Warsaw versus $1,455 in Siedlce.

Warsaw $2,866
Siedlce $1,455

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $1,741 in Siedlce.

Warsaw $3,737
Siedlce $1,741

Living in Warsaw is roughly 71% more expensive than in Siedlce, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Warsaw is 48% above, Siedlce is 14% below.

Meal at Budget Restaurant

$11.57 zł 45.21

$5.22 zł 20.40

121.65%

Three-Course Dinner for Two, Mid-Range

$61.8 zł 242

$44.40 zł 173

39.26%

Fast Food Meal (McDonalds, etc)

$9.95 zł 38.89

$6.34 zł 24.78

56.94%

Cappuccino

$4.31 zł 16.84

$2.24 zł 8.75

92.41%

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

$2.32 zł 9.09

$1.72 zł 6.74

34.88%

Water (0.33 liter bottle)

$2.27 zł 8.86

$1.42 zł 5.54

59.86%

Local Beer (0.5 liter draught)

$4.54 zł 17.75

$3.46 zł 13.51

31.21%

Imported Beer (0.33 liter bottle)

$5.18 zł 20.24

$3.65 zł 14.27

41.92%

Milk (1 liter)

$1.06 zł 4.15

$1.02 zł 4.00

3.92%

White Bread (500g)

$1.54 zł 6.02

$1.00 zł 3.91

54.00%

Rice (white) (1kg)

$1.53 zł 5.97

$1.32 zł 5.17

15.91%

Eggs

$3.80 zł 14.85

$3.09 zł 12.07

22.98%

Local Cheese (1kg)

$8.87 zł 34.65

$7.50 zł 29.31

18.27%

Chicken Fillets (1kg)

$6.80 zł 26.57

$5.16 zł 20.16

31.78%

Beef Round Steak (1kg)

$14.56 zł 56.9

$11.81 zł 46.16

23.29%

Apples (1kg)

$1.16 zł 4.53

$0.49 zł 1.91

136.73%

Banana (1kg)

$1.70 zł 6.65

$0.78 zł 3.04

117.95%

Oranges (1kg)

$1.67 zł 6.54

$2.32 zł 9.05

-28.02%

Tomato (1kg)

$4.35 zł 17.02

$2.89 zł 11.30

50.52%

Potato (1kg)

$0.94 zł 3.66

$0.84 zł 3.30

11.90%

Onion (1kg)

$0.91 zł 3.55

$0.86 zł 3.36

5.81%

Lettuce (1 head)

$1.43 zł 5.58

$1.39 zł 5.43

2.88%

Water (1.5 liter bottle)

$0.69 zł 2.71

$0.49 zł 1.93

40.82%

Cigarettes 20 Pack (Marlboro, Camel)

$6.15 zł 24.05

$5.45 zł 21.28

12.84%

Wine (Bottle)

$6.20 zł 24.23

$5.17 zł 20.19

19.92%

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

$1.75 zł 6.85

-2.86%

One-way Ticket (Public Transport)

$1.13 zł 4.42

$1.03 zł 4.03

9.71%

Public Transport Monthly Pass (Regular Price)

$27.41 zł 107

$25.08 zł 98.0

9.29%

Taxi Start (Normal Tariff)

$2.57 zł 10.04

$1.74 zł 6.79

47.70%

Taxi (Normal Tariff) (1km)

$1.30 zł 5.06

$0.64 zł 2.51

103.13%

Taxi 1hour Waiting (Normal Tariff)

$12.56 zł 49.06

$9.16 zł 35.81

37.12%

Gasoline (1 liter)

$1.73 zł 6.77

$1.63 zł 6.38

6.13%

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

$30.0K zł 117.2K

$30.7K zł 119.9K

-2.20%

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

$30.4K zł 118.7K

$25.7K zł 100.5K

18.19%

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

$329 zł 1,285

$305 zł 1,193

7.73%

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

$9.08 zł 35.47

$8.56 zł 33.44

6.07%

Internet (50+ Mbps, Unlimited Data)

$16.00 zł 62.5

$17.24 zł 67.4

-7.19%

Gym Membership (Monthly)

$46.70 zł 183

$37.74 zł 147

23.74%

Tennis Court (1 Hour on Weekend)

$27.92 zł 109

$25.11 zł 98.1

11.19%

Cinema Ticket

$8.80 zł 34.40

$7.81 zł 30.52

12.68%

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

$592 zł 2,314

$503 zł 1,966

17.67%

International Primary School, 1 Child (Yearly)

$18.2K zł 71.2K

$13.6K zł 53.0K

34.31%

Jeans (Levis 501 Or Similar)

$105 zł 410

$72.5 zł 283

44.84%

Summer Dress (H&M, Zara, etc)

$38.96 zł 152

$40.14 zł 157

-2.94%

Sport Shoes (Adidas, Nike)

$108 zł 422

$88.1 zł 344

22.49%

Men's Leather Business Shoes

$112 zł 438

$94.4 zł 369

18.83%

1-bedroom Apartment, City Center (Monthly)

$1,150 zł 4,493

$481 zł 1,880

139.02%

1-bedroom Apartment, Outside City Center (Monthly)

$910 zł 3,557

$305 zł 1,191

198.58%

3-bedroom Apartment, City Center (Monthly)

$2,144 zł 8,377

$770 zł 3,009

178.40%

3-bedroom Apartment, Outside City Center (Monthly)

$1,456 zł 5,689

Buy Apartment in City Center (m2)

$6,018 zł 23.5K

$2,072 zł 8,098

190.39%

Buy Apartment Outside City Center (m2)

$3,852 zł 15.1K

$1,959 zł 7,656

96.64%

Average Monthly Net Salary (After Tax)

$2,052 zł 8,017

$1,022 zł 3,993

100.80%

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 Siedlce: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$910 45.6%

Siedlce

$305 26.1% 66.5% $605

Monthly Utilities & Internet

Warsaw

$354 17.7%

Siedlce

$331 28.3% 6.5% $23

Groceries & Markets

Warsaw

$236 11.8%

Siedlce

$187 16% 20.6% $49

Eating Out

Warsaw

$226 11.3%

Siedlce

$125 10.7% 44.7% $101

Clothing & Footwear

Warsaw

$164 8.2%

Siedlce

$133 11.4% 18.9% $31

Sport & Entertainment

Warsaw

$64 3.2%

Siedlce

$53 4.6% 17% $11

Getting Around

Warsaw

$41 2.1%

Siedlce

$34 2.9% 16.7% $6.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,150 in Warsaw and $481 in Siedlce. Housing cost is often the main lever when comparing two cities.

Warsaw pays about 2 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $62 in Warsaw vs $44 in Siedlce for a mid-range dinner for two. Groceries echo the gap at $236 vs $187 per month, with Siedlce cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Siedlce

🕒 Local time

00:55 12:55 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

77,645

💱 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

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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 Siedlce: Cost of Living - Frequently Asked Questions

Siedlce wins on cost – living expenses run 41% lower than in Warsaw. Housing and daily spending are where you’ll feel the difference most, making Siedlce the obvious pick if budget is a priority.

Average pay in Warsaw is about 2 times higher, 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: $1,150 in Warsaw versus $481 in Siedlce. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,995 per month in Warsaw versus $1,169 in Siedlce – Siedlce is about 41% cheaper, which adds up to real savings over time.

A monthly transit pass in Siedlce runs roughly 9% less than in Warsaw. The price difference matters if you commute daily and watch your budget.

Both cities are expensive relative to $1,000. Siedlce 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 Siedlce are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Siedlce 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.