Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Torun

For one person, living is cheaper in Torun: $1,295 a month against $2,031 in Warsaw, rent and utilities included – about $8,800 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
63

Cost of Living Index in Torun
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Torun Living Index

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Warsaw

🇵🇱 Poland

$2,031

/mo nomad

Torun

🇵🇱 Poland

$1,295

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Torun

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

A single person spends $2,031 per month in Warsaw vs $1,295 in Torun, rent included.

Warsaw $2,031
Torun $1,295

A couple spends around $2,883 per month in Warsaw vs $1,886 in Torun, rent included.

Warsaw $2,883
Torun $1,886

A family of three spends $3,735 per month in Warsaw vs $2,477 in Torun, rent included.

Warsaw $3,735
Torun $2,477

Warsaw costs about 57% more than Torun, and outside of rent the biggest gap is in eating out.

Warsaw sits 49% above the global median, while Torun is 5% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.51 zł 45.43

$9.97 zł 39.32

15.45%

Three-Course Dinner for Two, Mid-Range

$60.0 zł 237

$51.7 zł 204

16.04%

Fast Food Meal (McDonalds, etc)

$10.17 zł 40.13

$9.01 zł 35.53

12.87%

Cappuccino

$4.26 zł 16.81

$3.55 zł 14.01

20.00%

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

$2.22 zł 8.76

$2.08 zł 8.22

6.73%

Water (0.33 liter bottle)

$2.20 zł 8.66

$1.62 zł 6.41

35.80%

Local Beer (0.5 liter draught)

$4.67 zł 18.43

$2.57 zł 10.14

81.71%

Imported Beer (0.33 liter bottle)

$5.10 zł 20.10

$4.14 zł 16.33

23.19%

Milk (1 liter)

$1.04 zł 4.10

$0.93 zł 3.65

11.83%

White Bread (500g)

$1.49 zł 5.89

$1.20 zł 4.73

24.17%

Rice (white) (1kg)

$1.55 zł 6.11

$1.62 zł 6.39

-4.32%

Eggs

$3.84 zł 15.16

$2.90 zł 11.43

32.41%

Local Cheese (1kg)

$8.98 zł 35.43

$7.69 zł 30.34

16.78%

Chicken Fillets (1kg)

$6.41 zł 25.28

$5.92 zł 23.36

8.28%

Beef Round Steak (1kg)

$14.32 zł 56.5

$13.87 zł 54.7

3.24%

Apples (1kg)

$1.16 zł 4.59

$1.07 zł 4.23

8.41%

Banana (1kg)

$1.71 zł 6.74

$1.65 zł 6.51

3.64%

Oranges (1kg)

$1.67 zł 6.57

$1.56 zł 6.14

7.05%

Tomato (1kg)

$4.07 zł 16.05

$3.29 zł 13.00

23.71%

Potato (1kg)

$0.91 zł 3.60

Onion (1kg)

$0.91 zł 3.61

$1.38 zł 5.44

-34.06%

Lettuce (1 head)

$1.45 zł 5.74

$1.44 zł 5.68

0.69%

Water (1.5 liter bottle)

$0.64 zł 2.54

$0.55 zł 2.18

16.36%

Cigarettes 20 Pack (Marlboro, Camel)

$6.28 zł 24.79

$4.55 zł 17.97

38.02%

Wine (Bottle)

$6.49 zł 25.59

$6.96 zł 27.45

-6.75%

Local Beer (0.5 liter bottle)

$1.10 zł 4.35

$1.50 zł 5.92

-26.67%

Imported Beer (0.33 liter bottle)

$1.73 zł 6.81

$2.15 zł 8.48

-19.53%

One-way Ticket (Public Transport)

$1.13 zł 4.46

$1.11 zł 4.38

1.80%

Public Transport Monthly Pass (Regular Price)

$27.61 zł 109

$25.33 zł 100.0

9.00%

Taxi Start (Normal Tariff)

$2.62 zł 10.32

$1.99 zł 7.87

31.66%

Taxi (Normal Tariff) (1km)

$1.23 zł 4.86

$1.01 zł 3.97

21.78%

Taxi 1hour Waiting (Normal Tariff)

$12.79 zł 50.4

$6.37 zł 25.12

100.78%

Gasoline (1 liter)

$1.69 zł 6.66

$1.60 zł 6.30

5.62%

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

$30.9K zł 121.8K

$30.3K zł 119.5K

1.95%

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

$29.5K zł 116.4K

$27.0K zł 106.7K

9.06%

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

$345 zł 1,360

$183 zł 723

88.07%

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

$8.92 zł 35.19

$10.31 zł 40.69

-13.48%

Internet (50+ Mbps, Unlimited Data)

$15.86 zł 62.6

$16.69 zł 65.9

-4.97%

Gym Membership (Monthly)

$46.80 zł 185

$38.37 zł 151

21.97%

Tennis Court (1 Hour on Weekend)

$27.37 zł 108

$21.88 zł 86.3

25.09%

Cinema Ticket

$8.94 zł 35.28

$7.70 zł 30.38

16.10%

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

$592 zł 2,334

$241 zł 949

145.90%

International Primary School, 1 Child (Yearly)

$14.6K zł 57.8K

$4,979 zł 19.6K

194.16%

Jeans (Levis 501 Or Similar)

$105 zł 415

$86.1 zł 340

22.10%

Summer Dress (H&M, Zara, etc)

$39.69 zł 157

$38.92 zł 154

1.98%

Sport Shoes (Adidas, Nike)

$104 zł 408

$84.4 zł 333

22.67%

Men's Leather Business Shoes

$111 zł 438

$116 zł 456

-3.93%

1-bedroom Apartment, City Center (Monthly)

$1,136 zł 4,480

$528 zł 2,084

114.95%

1-bedroom Apartment, Outside City Center (Monthly)

$938 zł 3,700

$448 zł 1,767

109.37%

3-bedroom Apartment, City Center (Monthly)

$2,147 zł 8,470

$848 zł 3,346

153.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,463 zł 5,774

$595 zł 2,349

145.82%

Buy Apartment in City Center (m2)

$5,917 zł 23.3K

$3,299 zł 13.0K

79.35%

Buy Apartment Outside City Center (m2)

$3,905 zł 15.4K

$2,193 zł 8,652

78.04%

Average Monthly Net Salary (After Tax)

$2,097 zł 8,272

$1,748 zł 6,897

19.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

6.21

7.73%

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

Last update for Warsaw: October 25, 2026

Last update for Torun: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$938 46.2%

Torun

$448 34.6% 52.2% $490

Monthly Utilities & Internet

Warsaw

$370 18.2%

Torun

$210 16.2% 43.1% $159

Groceries & Markets

Warsaw

$232 11.4%

Torun

$215 16.6% 7.2% $17

Eating Out

Warsaw

$225 11.1%

Torun

$185 14.3% 17.6% $40

Clothing & Footwear

Warsaw

$162 8%

Torun

$146 11.3% 9.6% $15

Sport & Entertainment

Warsaw

$65 3.2%

Torun

$54 4.2% 16.9% $11

Getting Around

Warsaw

$41 2%

Torun

$37 2.8% 10% $4.1

Cost Breakdown

A central one-bedroom costs $1,136 in Warsaw versus $528 in Torun. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 20% higher in Warsaw, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $60 in Warsaw versus $52 in Torun. Monthly groceries follow the same trend: $232 vs $215 – making Torun the more affordable choice for daily food spending.

Good to know

🇵🇱 Warsaw

🇵🇱 Torun

🕒 Local time

13:41 1:41 PM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

196,935

💱 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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Warsaw Torun 180 km

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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 Torun: Cost of Living - Frequently Asked Questions

Yes – Warsaw is pricier by about 57%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $3,047 per month in Warsaw and $1,943 in Torun. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Torun, especially for central apartments: a one-bedroom in the center costs $528 there versus $1,136 in Warsaw.

A mid-range dinner for two costs $60 in Warsaw and $52 in Torun. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,031 in Warsaw and $1,295 in Torun. That makes Torun about 36% cheaper.

A $1,500 monthly budget goes further in Torun, where all-in costs run around $1,295, than in Warsaw at $2,031. In Torun it covers expenses comfortably, while in Warsaw it requires careful planning or may not stretch far enough.

Families tend to lean toward Torun – 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 Torun. If higher salaries or specific career opportunities are the priority, Warsaw makes more sense. Both are solid long-term options with distinct trade-offs.