Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Swidnica

For one person, living is cheaper in Swidnica: $1,219 a month against $2,031 in Warsaw, rent and utilities included – about $9,700 less a year. Rent and utilities account for most of the difference.

97

Cost of Living Index in Warsaw
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Warsaw Living Index
59

Cost of Living Index in Swidnica
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Swidnica Living Index

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Warsaw

🇵🇱 Poland

$2,031

/mo nomad

Swidnica

🇵🇱 Poland

$1,219

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Swidnica

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

A single person spends $2,031 per month in Warsaw vs $1,219 in Swidnica, rent included.

Warsaw $2,031
Swidnica $1,219

A couple spends around $2,883 per month in Warsaw vs $1,890 in Swidnica, rent included.

Warsaw $2,883
Swidnica $1,890

A family of three spends $3,735 per month in Warsaw vs $2,562 in Swidnica, rent included.

Warsaw $3,735
Swidnica $2,562

Warsaw costs about 67% more than Swidnica, and outside of rent the biggest gap is in eating out.

Warsaw sits 49% above the global median, while Swidnica is 10% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.51 zł 45.57

$7.83 zł 30.99

47.00%

Three-Course Dinner for Two, Mid-Range

$60.0 zł 237

$25.29 zł 100

137.09%

Fast Food Meal (McDonalds, etc)

$10.17 zł 40.25

$7.04 zł 27.85

44.46%

Cappuccino

$4.26 zł 16.86

$3.02 zł 11.96

41.06%

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

$2.22 zł 8.78

$2.13 zł 8.44

4.23%

Water (0.33 liter bottle)

$2.20 zł 8.69

$1.89 zł 7.47

16.40%

Local Beer (0.5 liter draught)

$4.67 zł 18.49

$2.51 zł 9.94

86.06%

Imported Beer (0.33 liter bottle)

$5.10 zł 20.16

$5.03 zł 19.89

1.39%

Milk (1 liter)

$1.04 zł 4.11

$1.04 zł 4.13

White Bread (500g)

$1.49 zł 5.91

$1.51 zł 6.00

-1.32%

Rice (white) (1kg)

$1.55 zł 6.13

$1.50 zł 5.92

3.33%

Eggs

$3.84 zł 15.20

$3.95 zł 15.63

-2.78%

Local Cheese (1kg)

$8.98 zł 35.54

$9.28 zł 36.72

-3.23%

Chicken Fillets (1kg)

$6.41 zł 25.35

$6.64 zł 26.26

-3.46%

Beef Round Steak (1kg)

$14.32 zł 56.7

$11.86 zł 46.95

20.74%

Apples (1kg)

$1.16 zł 4.61

$1.30 zł 5.15

-10.77%

Banana (1kg)

$1.71 zł 6.76

$1.57 zł 6.20

8.92%

Oranges (1kg)

$1.67 zł 6.59

$1.68 zł 6.63

-0.60%

Tomato (1kg)

$4.07 zł 16.09

$3.44 zł 13.63

18.31%

Potato (1kg)

$0.91 zł 3.61

$0.93 zł 3.68

-2.15%

Onion (1kg)

$0.91 zł 3.62

$0.79 zł 3.11

15.19%

Lettuce (1 head)

$1.45 zł 5.76

$1.45 zł 5.75

Water (1.5 liter bottle)

$0.64 zł 2.54

$0.71 zł 2.82

-9.86%

Cigarettes 20 Pack (Marlboro, Camel)

$6.28 zł 24.87

$6.04 zł 23.91

3.97%

Wine (Bottle)

$6.49 zł 25.66

$7.57 zł 29.96

-14.27%

Local Beer (0.5 liter bottle)

$1.10 zł 4.37

$1.19 zł 4.72

-7.56%

Imported Beer (0.33 liter bottle)

$1.73 zł 6.83

$1.84 zł 7.30

-5.98%

One-way Ticket (Public Transport)

$1.13 zł 4.47

$1.09 zł 4.30

3.67%

Public Transport Monthly Pass (Regular Price)

$27.61 zł 109

$28.32 zł 112

-2.51%

Taxi Start (Normal Tariff)

$2.62 zł 10.35

$2.58 zł 10.22

1.55%

Taxi (Normal Tariff) (1km)

$1.23 zł 4.88

$0.99 zł 3.92

24.24%

Taxi 1hour Waiting (Normal Tariff)

$12.79 zł 50.6

$10.23 zł 40.47

25.02%

Gasoline (1 liter)

$1.69 zł 6.68

$1.66 zł 6.56

1.81%

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

$30.9K zł 122.2K

$29.9K zł 118.2K

3.37%

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

$29.5K zł 116.7K

$29.0K zł 114.7K

1.77%

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

$345 zł 1,364

$199 zł 788

73.11%

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

$8.92 zł 35.30

$9.55 zł 37.79

-6.60%

Internet (50+ Mbps, Unlimited Data)

$15.86 zł 62.8

$12.49 zł 49.41

26.98%

Gym Membership (Monthly)

$46.80 zł 185

$37.52 zł 148

24.73%

Tennis Court (1 Hour on Weekend)

$27.37 zł 108

$21.93 zł 86.8

24.81%

Cinema Ticket

$8.94 zł 35.39

$6.98 zł 27.60

28.08%

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

$592 zł 2,341

$475 zł 1,879

24.61%

International Primary School, 1 Child (Yearly)

$14.6K zł 58.0K

$11.8K zł 46.7K

24.19%

Jeans (Levis 501 Or Similar)

$105 zł 416

$92.3 zł 365

13.98%

Summer Dress (H&M, Zara, etc)

$39.69 zł 157

$38.47 zł 152

3.17%

Sport Shoes (Adidas, Nike)

$104 zł 410

$92.7 zł 367

11.71%

Men's Leather Business Shoes

$111 zł 439

$107 zł 423

3.76%

1-bedroom Apartment, City Center (Monthly)

$1,136 zł 4,494

$590 zł 2,334

92.55%

1-bedroom Apartment, Outside City Center (Monthly)

$938 zł 3,711

$371 zł 1,470

152.49%

3-bedroom Apartment, City Center (Monthly)

$2,147 zł 8,495

$974 zł 3,855

120.36%

3-bedroom Apartment, Outside City Center (Monthly)

$1,463 zł 5,791

$822 zł 3,252

78.06%

Buy Apartment in City Center (m2)

$5,917 zł 23.4K

$2,938 zł 11.6K

101.41%

Buy Apartment Outside City Center (m2)

$3,905 zł 15.5K

$2,228 zł 8,817

75.24%

Average Monthly Net Salary (After Tax)

$2,097 zł 8,297

$1,020 zł 4,038

105.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

-4.43%

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

Last update for Warsaw: October 25, 2026

Last update for Swidnica: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$938 46.2%

Swidnica

$371 30.5% 60.4% $566

Monthly Utilities & Internet

Warsaw

$370 18.2%

Swidnica

$221 18.2% 40.1% $148

Groceries & Markets

Warsaw

$232 11.4%

Swidnica

$227 18.7% 2% $4.6

Eating Out

Warsaw

$225 11.1%

Swidnica

$159 13% 29.4% $66

Clothing & Footwear

Warsaw

$162 8%

Swidnica

$149 12.2% 8.1% $13

Sport & Entertainment

Warsaw

$65 3.2%

Swidnica

$51 4.2% 20.4% $13

Getting Around

Warsaw

$41 2%

Swidnica

$40 3.3% 1.7% $0.7

Cost Breakdown

A central one-bedroom costs $1,136 in Warsaw versus $590 in Swidnica. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Warsaw are about 2.1 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $60 in Warsaw versus $25 in Swidnica. Monthly groceries follow the same trend: $232 vs $227 – making Swidnica the more affordable choice for daily food spending.

Good to know

🇵🇱 Warsaw

🇵🇱 Swidnica

🕒 Local time

00:12 12:12 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

55,800

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

On the map

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Between locations

Warsaw Swidnica 350 km

From you

Warsaw
Swidnica

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 Swidnica: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,031 in Warsaw, $1,219 in Swidnica – Swidnica comes out roughly 40% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,047 per month in Warsaw and $1,828 in Swidnica. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Swidnica, especially for central apartments: a one-bedroom in the center costs $590 there versus $1,136 in Warsaw.

Monthly expenses with rent come to $2,031 in Warsaw and $1,219 in Swidnica. That makes Swidnica about 40% cheaper.

Kindergarten costs $592 per month in Warsaw and $475 in Swidnica. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Swidnica, where all-in costs run around $1,219, than in Warsaw at $2,031. In Swidnica it covers expenses comfortably, while in Warsaw it requires careful planning or may not stretch far enough.

Families tend to lean toward Swidnica – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Swidnica. If higher salaries or specific career opportunities are the priority, Warsaw makes more sense. Both are solid long-term options with distinct trade-offs.