Cost of Living Comparison Between Warsaw and Siedlce Cost of Living Comparison Between Warsaw and Siedlce

Monthly Cost of Living

Monthly costs for one person with rent: $2,153 in Warsaw versus $1,440 in Siedlce.

Estimated couple costs with rent: $3,118 in Warsaw versus $2,060 in Siedlce.

Monthly costs for a family of three with rent: $4,082 in Warsaw versus $2,680 in Siedlce.

Living in Warsaw is roughly 49% more expensive than in Siedlce, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw 57% above, Siedlce 5% above.

Meal at Budget Restaurant

$12.62 zł 47.90

$5.18 zł 19.66

143.63%

Three-Course Dinner for Two, Mid-Range

$64.3 zł 244

$45.91 zł 174

40.06%

Fast Food Meal (McDonalds, etc)

$10.53 zł 39.96

$6.67 zł 25.33

57.87%

Cappuccino

$4.52 zł 17.17

$2.46 zł 9.34

83.74%

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

$2.43 zł 9.23

$1.89 zł 7.16

28.57%

Water (0.33 liter bottle)

$2.30 zł 8.72

$1.48 zł 5.60

55.41%

Local Beer (0.5 liter draught)

$4.89 zł 18.57

$3.65 zł 13.85

33.97%

Imported Beer (0.33 liter bottle)

$5.22 zł 19.82

$3.71 zł 14.07

40.70%

Milk (1 liter)

$1.14 zł 4.31

$1.03 zł 3.90

10.68%

White Bread (500g)

$1.60 zł 6.07

$1.07 zł 4.08

49.53%

Rice (white) (1kg)

$1.85 zł 7.01

$1.46 zł 5.54

26.71%

Eggs

$3.95 zł 14.98

$3.14 zł 11.90

25.80%

Local Cheese (1kg)

$9.47 zł 35.94

$8.06 zł 30.60

17.49%

Chicken Fillets (1kg)

$7.20 zł 27.35

$5.34 zł 20.27

34.83%

Beef Round Steak (1kg)

$15.58 zł 59.2

$12.05 zł 45.74

29.29%

Apples (1kg)

$1.25 zł 4.74

$0.51 zł 1.94

145.10%

Banana (1kg)

$1.84 zł 6.98

$0.82 zł 3.12

124.39%

Oranges (1kg)

$1.82 zł 6.91

$2.49 zł 9.46

-26.91%

Tomato (1kg)

$4.03 zł 15.30

$3.03 zł 11.50

33.00%

Potato (1kg)

$0.88 zł 3.32

$0.82 zł 3.11

7.32%

Onion (1kg)

$0.97 zł 3.68

$0.95 zł 3.62

2.11%

Lettuce (1 head)

$1.54 zł 5.83

$1.39 zł 5.28

10.79%

Water (1.5 liter bottle)

$0.72 zł 2.75

$0.55 zł 2.10

30.91%

Cigarettes 20 Pack (Marlboro, Camel)

$6.51 zł 24.73

$5.10 zł 19.37

27.65%

Wine (Bottle)

$6.68 zł 25.35

$5.20 zł 19.74

28.46%

Local Beer (0.5 liter bottle)

$1.18 zł 4.48

$1.21 zł 4.58

-2.48%

Imported Beer (0.33 liter bottle)

$1.88 zł 7.15

$1.77 zł 6.73

6.21%

One-way Ticket (Public Transport)

$1.19 zł 4.53

$1.09 zł 4.12

9.17%

Public Transport Monthly Pass (Regular Price)

$29.05 zł 110

$30.65 zł 116

-5.22%

Taxi Start (Normal Tariff)

$2.58 zł 9.81

$1.61 zł 6.09

60.25%

Taxi (Normal Tariff) (1km)

$1.32 zł 5.00

$0.58 zł 2.19

127.59%

Taxi 1hour Waiting (Normal Tariff)

$13.54 zł 51.4

$9.47 zł 35.96

42.98%

Gasoline (1 liter)

$1.68 zł 6.38

$1.63 zł 6.19

3.07%

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

$31.3K zł 118.9K

$32.0K zł 121.3K

-2.02%

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

$31.2K zł 118.4K

$27.0K zł 102.6K

15.37%

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

$366 zł 1,391

$324 zł 1,230

13.12%

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

$8.92 zł 33.85

$9.09 zł 34.51

-1.87%

Internet (50+ Mbps, Unlimited Data)

$17.20 zł 65.3

$17.99 zł 68.3

-4.39%

Gym Membership (Monthly)

$50.2 zł 191

$39.41 zł 150

27.48%

Tennis Court (1 Hour on Weekend)

$28.82 zł 109

$23.16 zł 87.9

24.44%

Cinema Ticket

$9.75 zł 37.02

$8.09 zł 30.70

20.52%

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

$623 zł 2,366

$541 zł 2,055

15.11%

International Primary School, 1 Child (Yearly)

$15.8K zł 60.1K

$10.6K zł 40.3K

49.08%

Jeans (Levis 501 Or Similar)

$112 zł 426

$76.8 zł 291

46.05%

Summer Dress (H&M, Zara, etc)

$41.82 zł 159

$42.38 zł 161

-1.32%

Sport Shoes (Adidas, Nike)

$112 zł 426

$94.3 zł 358

19.05%

Men's Leather Business Shoes

$123 zł 467

$101 zł 382

22.19%

1-bedroom Apartment, City Center (Monthly)

$1,236 zł 4,693

$511 zł 1,941

141.78%

1-bedroom Apartment, Outside City Center (Monthly)

$967 zł 3,673

$525 zł 1,993

84.27%

3-bedroom Apartment, City Center (Monthly)

$2,167 zł 8,228

$1,051 zł 3,991

106.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,578 zł 5,990

$842 zł 3,195

87.49%

Buy Apartment in City Center (m2)

$6,401 zł 24.3K

$2,172 zł 8,244

194.75%

Buy Apartment Outside City Center (m2)

$4,165 zł 15.8K

$2,306 zł 8,756

80.58%

Average Monthly Net Salary (After Tax)

$2,145 zł 8,145

$1,066 zł 4,047

101.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.65

6.87

-3.20%

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

Last update for Warsaw: September 14, 2026

Last update for Siedlce: September 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,236 in Warsaw and $511 in Siedlce. Housing cost is often the main lever when comparing two cities.

Warsaw pays 101% 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: $64.0 in Warsaw vs $46.00 in Siedlce for a mid-range dinner for two. Groceries echo the gap at $249 vs $196 per month, with Siedlce 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 Siedlce: Cost of Living - Frequently Asked Questions

Siedlce wins on cost – living expenses run 49% 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 runs 101% 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: $1,236 in Warsaw versus $511 in Siedlce. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,153 per month in Warsaw versus $1,440 in Siedlce – a 49% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Siedlce runs roughly 6% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,440 in Siedlce versus $2,153 in Warsaw, a $1,000 budget is realistic in Siedlce but tight or insufficient in Warsaw. The gap between the two cities makes Siedlce the clear choice for anyone on this budget.

Both work as nomad bases, but Siedlce delivers better value – similar infrastructure at $1,440 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Siedlce hard to pass up.

Safety-wise, Warsaw and Siedlce 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 Siedlce gentler on the wallet – expenses run 49% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.