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: $2,184 in Warsaw versus $1,492 in Swinoujscie.

Estimated couple costs with rent: $3,125 in Warsaw versus $2,189 in Swinoujscie.

Monthly costs for a family of three with rent: $4,066 in Warsaw versus $2,886 in Swinoujscie.

Living in Warsaw is roughly 46% more expensive than in Swinoujscie, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw 59% above, Swinoujscie 9% above.

Meal at Budget Restaurant

$12.19 zł 45.26

$10.78 zł 40.05

13.08%

Three-Course Dinner for Two, Mid-Range

$61.8 zł 229

$43.36 zł 161

42.41%

Fast Food Meal (McDonalds, etc)

$10.60 zł 39.37

$8.69 zł 32.26

21.98%

Cappuccino

$4.61 zł 17.14

$3.60 zł 13.38

28.06%

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

$2.52 zł 9.36

$2.14 zł 7.95

17.76%

Water (0.33 liter bottle)

$2.40 zł 8.92

$1.72 zł 6.38

39.53%

Local Beer (0.5 liter draught)

$4.86 zł 18.04

$3.86 zł 14.33

25.91%

Imported Beer (0.33 liter bottle)

$5.24 zł 19.47

$3.95 zł 14.65

32.66%

Milk (1 liter)

$1.15 zł 4.28

$1.00 zł 3.71

15.00%

White Bread (500g)

$1.58 zł 5.88

$1.64 zł 6.08

-3.66%

Rice (white) (1kg)

$1.82 zł 6.74

$0.79 zł 2.92

130.38%

Eggs

$3.98 zł 14.77

$3.00 zł 11.14

32.67%

Local Cheese (1kg)

$9.70 zł 36.03

$9.24 zł 34.33

4.98%

Chicken Fillets (1kg)

$7.33 zł 27.21

$6.88 zł 25.54

6.54%

Beef Round Steak (1kg)

$15.32 zł 56.9

$12.53 zł 46.52

22.27%

Apples (1kg)

$1.32 zł 4.91

$1.19 zł 4.43

10.92%

Banana (1kg)

$1.78 zł 6.62

$1.33 zł 4.93

33.83%

Oranges (1kg)

$1.84 zł 6.84

$1.50 zł 5.56

22.67%

Tomato (1kg)

$4.06 zł 15.10

$2.38 zł 8.85

70.59%

Potato (1kg)

$0.94 zł 3.47

$0.64 zł 2.38

46.87%

Onion (1kg)

$0.93 zł 3.44

$0.90 zł 3.35

3.33%

Lettuce (1 head)

$1.57 zł 5.81

$1.36 zł 5.07

15.44%

Water (1.5 liter bottle)

$0.72 zł 2.68

$0.69 zł 2.57

4.35%

Cigarettes 20 Pack (Marlboro, Camel)

$6.54 zł 24.27

$5.30 zł 19.69

23.40%

Wine (Bottle)

$6.63 zł 24.64

$6.66 zł 24.75

-0.45%

Local Beer (0.5 liter bottle)

$1.14 zł 4.24

$1.17 zł 4.35

-2.56%

Imported Beer (0.33 liter bottle)

$1.88 zł 6.98

$1.52 zł 5.64

23.68%

One-way Ticket (Public Transport)

$1.20 zł 4.47

$1.12 zł 4.15

7.14%

Public Transport Monthly Pass (Regular Price)

$29.66 zł 110

$30.50 zł 113

-2.75%

Taxi Start (Normal Tariff)

$2.63 zł 9.77

$2.11 zł 7.85

24.64%

Taxi (Normal Tariff) (1km)

$1.32 zł 4.89

$0.83 zł 3.07

59.04%

Taxi 1hour Waiting (Normal Tariff)

$13.55 zł 50.3

$10.01 zł 37.17

35.36%

Gasoline (1 liter)

$1.68 zł 6.24

$1.64 zł 6.08

2.44%

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

$32.3K zł 119.9K

$32.5K zł 120.8K

-0.77%

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

$32.0K zł 118.9K

$29.0K zł 107.6K

10.45%

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

$372 zł 1,381

$293 zł 1,089

26.81%

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

$8.79 zł 32.63

$9.10 zł 33.80

-3.41%

Internet (50+ Mbps, Unlimited Data)

$17.37 zł 64.5

$18.05 zł 67.1

-3.77%

Gym Membership (Monthly)

$51.6 zł 192

$40.23 zł 149

28.21%

Tennis Court (1 Hour on Weekend)

$29.74 zł 110

$23.34 zł 86.7

27.42%

Cinema Ticket

$9.82 zł 36.48

$7.74 zł 28.76

26.87%

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

$608 zł 2,259

$350 zł 1,301

73.65%

International Primary School, 1 Child (Yearly)

$15.4K zł 57.2K

$7,874 zł 29.2K

95.60%

Jeans (Levis 501 Or Similar)

$115 zł 428

$84.5 zł 314

36.29%

Summer Dress (H&M, Zara, etc)

$42.18 zł 157

$38.42 zł 143

9.79%

Sport Shoes (Adidas, Nike)

$116 zł 429

$91.6 zł 340

26.16%

Men's Leather Business Shoes

$125 zł 466

$105 zł 391

19.08%

1-bedroom Apartment, City Center (Monthly)

$1,250 zł 4,641

$638 zł 2,370

95.81%

1-bedroom Apartment, Outside City Center (Monthly)

$984 zł 3,654

$517 zł 1,922

90.13%

3-bedroom Apartment, City Center (Monthly)

$2,138 zł 7,941

$1,049 zł 3,897

103.78%

3-bedroom Apartment, Outside City Center (Monthly)

$1,550 zł 5,756

$848 zł 3,149

82.77%

Buy Apartment in City Center (m2)

$6,397 zł 23.8K

$2,242 zł 8,326

185.35%

Buy Apartment Outside City Center (m2)

$4,118 zł 15.3K

$1,574 zł 5,844

161.72%

Average Monthly Net Salary (After Tax)

$2,103 zł 7,810

$1,844 zł 6,848

14.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

6.79

-1.62%

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

Last update for Warsaw: August 31, 2026

Last update for Swinoujscie: August 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,250 in Warsaw and $638 in Swinoujscie. Housing cost is often the main lever when comparing two cities.

Warsaw pays 14% 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: $62.0 in Warsaw vs $43.00 in Swinoujscie for a mid-range dinner for two. Groceries echo the gap at $250 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 46% 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.

Average pay runs 14% 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: $1,250 in Warsaw versus $638 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 3% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $608 in Warsaw versus $350 in Swinoujscie. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,492 in Swinoujscie versus $2,184 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 $1,492 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 46% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.