Cost of Living Comparison Between Warsaw and Zamosc Cost of Living Comparison Between Warsaw and Zamosc

Monthly Cost of Living

Monthly costs for one person with rent: $2,025 in Warsaw versus $1,407 in Zamosc.

Estimated couple costs with rent: $2,904 in Warsaw versus $2,035 in Zamosc.

Monthly costs for a family of three with rent: $3,783 in Warsaw versus $2,663 in Zamosc.

Living in Warsaw is roughly 44% more expensive than in Zamosc, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw 52% above, Zamosc 5% above.

Meal at Budget Restaurant

$10.75 zł 40.73

$9.40 zł 35.62

14.36%

Three-Course Dinner for Two, Mid-Range

$56.6 zł 215

$39.96 zł 151

41.72%

Fast Food Meal (McDonalds, etc)

$9.45 zł 35.82

$7.98 zł 30.24

18.42%

Cappuccino

$4.17 zł 15.79

$3.08 zł 11.68

35.39%

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

$2.10 zł 7.98

$2.52 zł 9.56

-16.67%

Water (0.33 liter bottle)

$1.83 zł 6.93

$2.09 zł 7.92

-12.44%

Local Beer (0.5 liter draught)

$4.47 zł 16.93

$3.25 zł 12.30

37.54%

Imported Beer (0.33 liter bottle)

$4.54 zł 17.21

$2.97 zł 11.24

52.86%

Milk (1 liter)

$1.19 zł 4.51

$1.10 zł 4.19

8.18%

White Bread (500g)

$1.42 zł 5.39

$1.21 zł 4.59

17.36%

Rice (white) (1kg)

$1.79 zł 6.78

$2.41 zł 9.15

-25.73%

Eggs

$3.57 zł 13.54

$3.62 zł 13.72

-1.38%

Local Cheese (1kg)

$9.98 zł 37.84

$9.84 zł 37.28

1.42%

Chicken Fillets (1kg)

$6.92 zł 26.25

$5.65 zł 21.41

22.48%

Beef Round Steak (1kg)

$14.53 zł 55.1

$16.09 zł 61.0

-9.70%

Apples (1kg)

$1.30 zł 4.93

$0.90 zł 3.43

44.44%

Banana (1kg)

$1.86 zł 7.05

$1.60 zł 6.07

16.25%

Oranges (1kg)

$1.93 zł 7.33

$1.61 zł 6.11

19.88%

Tomato (1kg)

$3.77 zł 14.27

$2.19 zł 8.31

72.15%

Potato (1kg)

$1.06 zł 4.00

$0.71 zł 2.68

49.30%

Onion (1kg)

$1.24 zł 4.69

$1.44 zł 5.47

-13.89%

Lettuce (1 head)

$1.44 zł 5.46

$0.78 zł 2.96

84.62%

Water (1.5 liter bottle)

$0.72 zł 2.73

$0.44 zł 1.68

63.64%

Cigarettes 20 Pack (Marlboro, Camel)

$5.55 zł 21.03

$5.23 zł 19.83

6.12%

Wine (Bottle)

$7.75 zł 29.37

$5.13 zł 19.44

51.07%

Local Beer (0.5 liter bottle)

$1.37 zł 5.20

$1.09 zł 4.11

25.69%

Imported Beer (0.33 liter bottle)

$1.87 zł 7.07

$1.45 zł 5.48

28.97%

One-way Ticket (Public Transport)

$1.17 zł 4.42

$0.78 zł 2.97

50.00%

Public Transport Monthly Pass (Regular Price)

$29.63 zł 112

$32.99 zł 125

-10.18%

Taxi Start (Normal Tariff)

$2.66 zł 10.10

$2.19 zł 8.31

21.46%

Taxi (Normal Tariff) (1km)

$1.02 zł 3.85

$0.76 zł 2.87

34.21%

Taxi 1hour Waiting (Normal Tariff)

$13.35 zł 50.6

$11.98 zł 45.40

11.44%

Gasoline (1 liter)

$1.79 zł 6.77

$1.62 zł 6.13

10.49%

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

$32.8K zł 124.1K

$34.4K zł 130.5K

-4.88%

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

$32.6K zł 123.5K

$31.0K zł 117.6K

5.02%

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

$357 zł 1,351

$274 zł 1,040

29.97%

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

$10.23 zł 38.76

$8.61 zł 32.62

18.82%

Internet (50+ Mbps, Unlimited Data)

$17.49 zł 66.3

$18.48 zł 70.0

-5.36%

Gym Membership (Monthly)

$44.37 zł 168

$38.12 zł 144

16.40%

Tennis Court (1 Hour on Weekend)

$29.18 zł 111

$19.24 zł 72.9

51.66%

Cinema Ticket

$9.39 zł 35.59

$6.71 zł 25.44

39.94%

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

$571 zł 2,165

$372 zł 1,410

53.61%

International Primary School, 1 Child (Yearly)

$15.3K zł 58.1K

$8,148 zł 30.9K

88.08%

Jeans (Levis 501 Or Similar)

$98.7 zł 374

$92.0 zł 349

7.34%

Summer Dress (H&M, Zara, etc)

$46.99 zł 178

$34.24 zł 130

37.24%

Sport Shoes (Adidas, Nike)

$94.7 zł 359

$93.8 zł 355

0.99%

Men's Leather Business Shoes

$109 zł 414

$97.1 zł 368

12.62%

1-bedroom Apartment, City Center (Monthly)

$1,135 zł 4,301

$654 zł 2,477

73.59%

1-bedroom Apartment, Outside City Center (Monthly)

$922 zł 3,494

$502 zł 1,902

83.69%

3-bedroom Apartment, City Center (Monthly)

$2,090 zł 7,923

$988 zł 3,745

111.55%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 zł 5,784

$826 zł 3,129

84.83%

Buy Apartment in City Center (m2)

$6,322 zł 24.0K

$2,591 zł 9,822

143.98%

Buy Apartment Outside City Center (m2)

$3,919 zł 14.9K

$2,228 zł 8,446

75.87%

Average Monthly Net Salary (After Tax)

$2,150 zł 8,148

$791 zł 2,997

171.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.55

6.47

16.69%

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

Last update for Warsaw: July 13, 2026

Last update for Zamosc: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,135 in Warsaw and $654 in Zamosc. Housing cost is often the main lever when comparing two cities.

Warsaw pays 172% 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: $57.0 in Warsaw vs $40.00 in Zamosc for a mid-range dinner for two. Groceries echo the gap at $246 vs $217 per month, with Zamosc 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 Zamosc: Cost of Living - Frequently Asked Questions

Zamosc wins on cost – living expenses run 44% lower than in Warsaw. Housing and daily spending are where you'll feel the difference most, making Zamosc the obvious pick if budget is a priority.

Average pay runs 172% 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: $1,135 in Warsaw versus $654 in Zamosc. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,025 per month in Warsaw versus $1,407 in Zamosc – a 44% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Zamosc runs roughly 11% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,407 in Zamosc versus $2,025 in Warsaw, a $2,000 budget is realistic in Zamosc but tight or insufficient in Warsaw. The gap between the two cities makes Zamosc the clear choice for anyone on this budget.

Both work as nomad bases, but Zamosc delivers better value – similar infrastructure at $1,407 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zamosc hard to pass up.

Safety-wise, Warsaw and Zamosc 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 Zamosc gentler on the wallet – expenses run 44% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.