Cost of Living Comparison Between Warsaw and Swinoujscie Cost of Living Comparison Between Warsaw and Swinoujscie

Monthly Cost of Living

Monthly costs for one person with rent: $2,040 in Warsaw versus $1,454 in Swinoujscie.

Estimated couple costs with rent: $2,889 in Warsaw versus $2,111 in Swinoujscie.

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $2,767 in Swinoujscie.

Living in Warsaw is roughly 40% more expensive than Swinoujscie, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Warsaw 52% above, Swinoujscie 9% above.

Meal at Budget Restaurant

$11.04 zł 40.27

$11.04 zł 40.26

Three-Course Dinner for Two, Mid-Range

$58.1 zł 212

$42.68 zł 156

36.18%

Fast Food Meal (McDonalds, etc)

$9.74 zł 35.52

$8.38 zł 30.55

16.23%

Cappuccino

$4.29 zł 15.64

$3.57 zł 13.02

20.17%

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

$2.11 zł 7.70

$1.94 zł 7.07

8.76%

Water (0.33 liter bottle)

$1.81 zł 6.62

$1.70 zł 6.19

6.47%

Local Beer (0.5 liter draught)

$4.45 zł 16.23

$3.32 zł 12.12

34.04%

Imported Beer (0.33 liter bottle)

$4.68 zł 17.08

$3.65 zł 13.30

28.22%

Milk (1 liter)

$1.15 zł 4.20

$1.08 zł 3.93

6.48%

White Bread (500g)

$1.36 zł 4.97

Rice (white) (1kg)

$1.84 zł 6.70

$1.43 zł 5.20

28.67%

Eggs

$3.63 zł 13.24

$3.32 zł 12.12

9.34%

Local Cheese (1kg)

$10.11 zł 36.87

$8.89 zł 32.43

13.72%

Chicken Fillets (1kg)

$6.98 zł 25.45

$6.57 zł 23.94

6.24%

Beef Round Steak (1kg)

$14.55 zł 53.1

$10.87 zł 39.65

33.85%

Apples (1kg)

$1.29 zł 4.71

$1.09 zł 3.97

18.35%

Banana (1kg)

$1.79 zł 6.51

$1.77 zł 6.46

1.13%

Oranges (1kg)

$1.94 zł 7.06

$1.72 zł 6.29

12.79%

Tomato (1kg)

$3.62 zł 13.21

$2.86 zł 10.42

26.57%

Potato (1kg)

$1.06 zł 3.86

$0.96 zł 3.50

10.42%

Onion (1kg)

$1.18 zł 4.29

$1.10 zł 3.99

7.27%

Lettuce (1 head)

$1.44 zł 5.25

$1.28 zł 4.68

12.50%

Water (1.5 liter bottle)

$0.67 zł 2.43

$0.60 zł 2.20

11.67%

Cigarettes 20 Pack (Marlboro, Camel)

$5.29 zł 19.30

$5.10 zł 18.60

3.73%

Wine (Bottle)

$8.29 zł 30.24

$7.11 zł 25.92

16.60%

Local Beer (0.5 liter bottle)

$1.43 zł 5.20

$1.10 zł 4.01

30.00%

Imported Beer (0.33 liter bottle)

$1.88 zł 6.86

$1.60 zł 5.82

17.50%

One-way Ticket (Public Transport)

$1.16 zł 4.23

$1.06 zł 3.88

9.43%

Public Transport Monthly Pass (Regular Price)

$29.77 zł 109

$32.63 zł 119

-8.76%

Taxi Start (Normal Tariff)

$2.63 zł 9.60

$2.12 zł 7.73

24.06%

Taxi (Normal Tariff) (1km)

$0.98 zł 3.56

$0.72 zł 2.62

36.11%

Taxi 1hour Waiting (Normal Tariff)

$13.42 zł 48.95

$10.80 zł 39.39

24.26%

Gasoline (1 liter)

$1.71 zł 6.23

$1.70 zł 6.19

0.59%

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

$33.4K zł 121.8K

$33.7K zł 123.0K

-1.00%

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

$33.6K zł 122.5K

$30.3K zł 110.5K

10.89%

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

$357 zł 1,302

$272 zł 991

31.43%

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

$10.03 zł 36.58

$8.68 zł 31.65

15.55%

Internet (50+ Mbps, Unlimited Data)

$17.56 zł 64.0

$16.64 zł 60.7

5.53%

Gym Membership (Monthly)

$44.87 zł 164

$36.86 zł 134

21.73%

Tennis Court (1 Hour on Weekend)

$29.23 zł 107

$19.86 zł 72.4

47.18%

Cinema Ticket

$9.70 zł 35.36

$6.93 zł 25.26

39.97%

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

$580 zł 2,114

$338 zł 1,234

71.35%

International Primary School, 1 Child (Yearly)

$15.7K zł 57.1K

$8,249 zł 30.1K

89.96%

Jeans (Levis 501 Or Similar)

$99.2 zł 362

$88.4 zł 322

12.26%

Summer Dress (H&M, Zara, etc)

$46.99 zł 171

$35.81 zł 131

31.22%

Sport Shoes (Adidas, Nike)

$92.5 zł 337

$82.3 zł 300

12.43%

Men's Leather Business Shoes

$111 zł 404

$96.7 zł 353

14.47%

1-bedroom Apartment, City Center (Monthly)

$1,161 zł 4,233

$650 zł 2,368

78.74%

1-bedroom Apartment, Outside City Center (Monthly)

$890 zł 3,244

$496 zł 1,807

79.51%

3-bedroom Apartment, City Center (Monthly)

$2,033 zł 7,414

$991 zł 3,615

105.11%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 zł 5,566

$812 zł 2,960

88.06%

Buy Apartment in City Center (m2)

$6,283 zł 22.9K

$2,295 zł 8,367

173.81%

Buy Apartment Outside City Center (m2)

$4,074 zł 14.9K

$1,590 zł 5,797

156.24%

Average Monthly Net Salary (After Tax)

$2,228 zł 8,126

$1,896 zł 6,913

17.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.55

6.75

11.85%

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

Last update for Warsaw: June 1, 2026

Last update for Swinoujscie: June 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,161 in Warsaw and $650 in Swinoujscie. Housing cost is often the main lever when comparing two cities.

Warsaw pays 18% 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: $58.0 in Warsaw vs $43.00 in Swinoujscie for a mid-range dinner for two. Groceries echo the gap at $246 vs $213 per month, with Swinoujscie 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 Swinoujscie: Cost of Living - Frequently Asked Questions

Swinoujscie wins on cost – living expenses run 40% lower than in Warsaw. Housing and daily spending are where you'll feel the difference most, making Swinoujscie the obvious pick if budget is a priority.

Warsaw pays 18% more on average, 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: $1,161 in Warsaw versus $650 in Swinoujscie. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Swinoujscie runs roughly 10% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $580 in Warsaw versus $338 in Swinoujscie. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,454 in Swinoujscie versus $2,040 in Warsaw, a $1,000 budget is realistic in Swinoujscie but tight or insufficient in Warsaw. The gap between the two cities makes Swinoujscie the clear choice for anyone on this budget.

Both work as nomad bases, but Swinoujscie delivers better value – similar infrastructure at $1,454 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Swinoujscie hard to pass up.

Safety-wise, Warsaw and Swinoujscie 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 Swinoujscie gentler on the wallet – expenses run 40% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.