Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Swinoujscie

For one person, living is cheaper in Swinoujscie: $1,415 a month against $2,051 in Warsaw, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

100

Cost of Living Index in Warsaw
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Warsaw Living Index
69

Cost of Living Index in Swinoujscie
Learn more

Swinoujscie Living Index

Jump to prices

Warsaw

🇵🇱 Poland

$2,051

/mo nomad

Swinoujscie

🇵🇱 Poland

$1,415

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Swinoujscie

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

Monthly costs for one person with rent: $2,051 in Warsaw versus $1,415 in Swinoujscie.

Warsaw $2,051
Swinoujscie $1,415

Estimated couple costs with rent: $2,950 in Warsaw versus $2,048 in Swinoujscie.

Warsaw $2,950
Swinoujscie $2,048

Monthly costs for a family of three with rent: $3,850 in Warsaw versus $2,681 in Swinoujscie.

Warsaw $3,850
Swinoujscie $2,681

Living in Warsaw is roughly 45% more expensive than in Swinoujscie, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Warsaw 51% above, Swinoujscie 4% above.

Meal at Budget Restaurant

$11.43 zł 44.39

$9.75 zł 37.90

17.23%

Three-Course Dinner for Two, Mid-Range

$62.0 zł 241

$41.32 zł 161

50.02%

Fast Food Meal (McDonalds, etc)

$10.30 zł 40.03

$8.76 zł 34.04

17.58%

Cappuccino

$4.22 zł 16.38

$3.41 zł 13.23

23.75%

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

$2.21 zł 8.59

$2.08 zł 8.08

6.25%

Water (0.33 liter bottle)

$2.20 zł 8.54

$1.59 zł 6.18

38.36%

Local Beer (0.5 liter draught)

$4.59 zł 17.84

$3.52 zł 13.66

30.40%

Imported Beer (0.33 liter bottle)

$5.01 zł 19.46

$3.85 zł 14.98

30.13%

Milk (1 liter)

$1.10 zł 4.27

$0.94 zł 3.64

17.02%

White Bread (500g)

$1.47 zł 5.71

$1.50 zł 5.81

-2.00%

Rice (white) (1kg)

$1.62 zł 6.29

$0.72 zł 2.81

125.00%

Eggs

$3.92 zł 15.22

$2.88 zł 11.17

36.11%

Local Cheese (1kg)

$9.08 zł 35.28

$8.89 zł 34.53

2.14%

Chicken Fillets (1kg)

$6.39 zł 24.82

$6.23 zł 24.22

2.57%

Beef Round Steak (1kg)

$14.50 zł 56.3

$11.92 zł 46.30

21.64%

Apples (1kg)

$1.17 zł 4.55

$1.17 zł 4.54

Banana (1kg)

$1.75 zł 6.81

$1.24 zł 4.82

41.13%

Oranges (1kg)

$1.76 zł 6.84

$1.44 zł 5.60

22.22%

Tomato (1kg)

$4.08 zł 15.87

$2.34 zł 9.11

74.36%

Potato (1kg)

$0.90 zł 3.51

$0.66 zł 2.57

36.36%

Onion (1kg)

$0.94 zł 3.64

$0.85 zł 3.30

10.59%

Lettuce (1 head)

$1.41 zł 5.48

$1.24 zł 4.80

13.71%

Water (1.5 liter bottle)

$0.70 zł 2.74

$0.68 zł 2.63

2.94%

Cigarettes 20 Pack (Marlboro, Camel)

$6.37 zł 24.76

$5.41 zł 21.03

17.74%

Wine (Bottle)

$6.48 zł 25.16

$6.43 zł 24.98

0.78%

Local Beer (0.5 liter bottle)

$1.16 zł 4.51

$1.08 zł 4.21

7.41%

Imported Beer (0.33 liter bottle)

$1.73 zł 6.71

$1.54 zł 6.00

12.34%

One-way Ticket (Public Transport)

$1.16 zł 4.51

$1.04 zł 4.03

11.54%

Public Transport Monthly Pass (Regular Price)

$28.24 zł 110

$30.39 zł 118

-7.07%

Taxi Start (Normal Tariff)

$2.55 zł 9.91

$2.06 zł 8.01

23.79%

Taxi (Normal Tariff) (1km)

$1.26 zł 4.90

$0.74 zł 2.89

70.27%

Taxi 1hour Waiting (Normal Tariff)

$12.94 zł 50.3

$9.99 zł 38.82

29.53%

Gasoline (1 liter)

$1.76 zł 6.86

$1.60 zł 6.21

10.00%

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

$30.6K zł 119.0K

$30.4K zł 117.9K

0.89%

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

$30.5K zł 118.4K

$27.2K zł 105.7K

12.02%

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

$340 zł 1,323

$273 zł 1,061

24.62%

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

$9.07 zł 35.22

$8.65 zł 33.60

4.86%

Internet (50+ Mbps, Unlimited Data)

$16.28 zł 63.3

$17.29 zł 67.2

-5.84%

Gym Membership (Monthly)

$47.15 zł 183

$38.91 zł 151

21.18%

Tennis Court (1 Hour on Weekend)

$28.50 zł 111

$21.54 zł 83.7

32.31%

Cinema Ticket

$9.01 zł 35.02

$7.05 zł 27.38

27.80%

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

$599 zł 2,327

$363 zł 1,410

65.01%

International Primary School, 1 Child (Yearly)

$14.3K zł 55.7K

$7,877 zł 30.6K

82.04%

Jeans (Levis 501 Or Similar)

$106 zł 414

$79.9 zł 310

33.23%

Summer Dress (H&M, Zara, etc)

$39.28 zł 153

$38.36 zł 149

2.40%

Sport Shoes (Adidas, Nike)

$107 zł 416

$88.1 zł 342

21.68%

Men's Leather Business Shoes

$111 zł 433

$100 zł 390

10.95%

1-bedroom Apartment, City Center (Monthly)

$1,173 zł 4,557

$616 zł 2,392

90.49%

1-bedroom Apartment, Outside City Center (Monthly)

$956 zł 3,713

$498 zł 1,934

92.02%

3-bedroom Apartment, City Center (Monthly)

$2,103 zł 8,170

$969 zł 3,765

117.02%

3-bedroom Apartment, Outside City Center (Monthly)

$1,559 zł 6,056

$811 zł 3,149

92.27%

Buy Apartment in City Center (m2)

$6,040 zł 23.5K

$2,101 zł 8,165

187.41%

Buy Apartment Outside City Center (m2)

$3,932 zł 15.3K

$1,471 zł 5,716

167.24%

Average Monthly Net Salary (After Tax)

$2,093 zł 8,133

$1,808 zł 7,024

15.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

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

Last update for Warsaw: October 20, 2026

Last update for Swinoujscie: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$956 46.6%

Swinoujscie

$498 35.2% 47.9% $458

Monthly Utilities & Internet

Warsaw

$366 17.8%

Swinoujscie

$299 21.2% 18.2% $67

Groceries & Markets

Warsaw

$235 11.5%

Swinoujscie

$201 14.2% 14.5% $34

Eating Out

Warsaw

$224 10.9%

Swinoujscie

$185 13.1% 17.2% $38

Clothing & Footwear

Warsaw

$164 8%

Swinoujscie

$138 9.8% 15.8% $26

Sport & Entertainment

Warsaw

$65 3.2%

Swinoujscie

$53 3.8% 18.7% $12

Getting Around

Warsaw

$42 2%

Swinoujscie

$40 2.9% 3.4% $1.4

Cost Breakdown

A one-bedroom apartment in the center runs $1,173 in Warsaw and $616 in Swinoujscie. Housing cost is often the main lever when comparing two cities.

Warsaw pays 16% 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 $41.00 in Swinoujscie for a mid-range dinner for two. Groceries echo the gap at $235 vs $201 per month, with Swinoujscie cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Swinoujscie

🕒 Local time

02:18 2:18 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

38,728

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 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 Swinoujscie: Cost of Living - Frequently Asked Questions

Swinoujscie wins on cost – living expenses run 45% 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 16% 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: $1,173 in Warsaw versus $616 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 8% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $599 in Warsaw versus $363 in Swinoujscie. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,415 in Swinoujscie versus $2,051 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 $1,415 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 45% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.