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: $2,153 in Warsaw versus $1,424 in Zamosc.

Estimated couple costs with rent: $3,118 in Warsaw versus $2,069 in Zamosc.

Monthly costs for a family of three with rent: $4,082 in Warsaw versus $2,713 in Zamosc.

Living in Warsaw is roughly 51% more expensive than in Zamosc, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw 57% above, Zamosc 4% above.

Meal at Budget Restaurant

$12.62 zł 47.90

$10.05 zł 38.15

25.57%

Three-Course Dinner for Two, Mid-Range

$64.3 zł 244

$39.34 zł 149

63.45%

Fast Food Meal (McDonalds, etc)

$10.53 zł 39.96

$7.79 zł 29.59

35.17%

Cappuccino

$4.52 zł 17.17

$3.09 zł 11.74

46.28%

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

$2.43 zł 9.23

$1.97 zł 7.50

23.35%

Water (0.33 liter bottle)

$2.30 zł 8.72

$1.56 zł 5.92

47.44%

Local Beer (0.5 liter draught)

$4.89 zł 18.57

$3.52 zł 13.38

38.92%

Imported Beer (0.33 liter bottle)

$5.22 zł 19.82

$3.27 zł 12.40

59.63%

Milk (1 liter)

$1.14 zł 4.31

$1.09 zł 4.15

4.59%

White Bread (500g)

$1.60 zł 6.07

$1.03 zł 3.91

55.34%

Rice (white) (1kg)

$1.85 zł 7.01

$2.31 zł 8.79

-19.91%

Eggs

$3.95 zł 14.98

$3.42 zł 12.98

15.50%

Local Cheese (1kg)

$9.47 zł 35.94

$9.43 zł 35.80

0.42%

Chicken Fillets (1kg)

$7.20 zł 27.35

$5.57 zł 21.14

29.26%

Beef Round Steak (1kg)

$15.58 zł 59.2

$15.75 zł 59.8

-1.08%

Apples (1kg)

$1.25 zł 4.74

$1.19 zł 4.53

5.04%

Banana (1kg)

$1.84 zł 6.98

$1.62 zł 6.13

13.58%

Oranges (1kg)

$1.82 zł 6.91

$1.57 zł 5.96

15.92%

Tomato (1kg)

$4.03 zł 15.30

$2.11 zł 8.02

91.00%

Potato (1kg)

$0.88 zł 3.32

$0.73 zł 2.77

20.55%

Onion (1kg)

$0.97 zł 3.68

$1.23 zł 4.66

-21.14%

Lettuce (1 head)

$1.54 zł 5.83

$0.79 zł 2.99

94.94%

Water (1.5 liter bottle)

$0.72 zł 2.75

$0.41 zł 1.56

75.61%

Cigarettes 20 Pack (Marlboro, Camel)

$6.51 zł 24.73

$5.30 zł 20.12

22.83%

Wine (Bottle)

$6.68 zł 25.35

$5.45 zł 20.67

22.57%

Local Beer (0.5 liter bottle)

$1.18 zł 4.48

$1.06 zł 4.01

11.32%

Imported Beer (0.33 liter bottle)

$1.88 zł 7.15

$1.41 zł 5.35

33.33%

One-way Ticket (Public Transport)

$1.19 zł 4.53

$1.15 zł 4.36

3.48%

Public Transport Monthly Pass (Regular Price)

$29.05 zł 110

$29.80 zł 113

-2.52%

Taxi Start (Normal Tariff)

$2.58 zł 9.81

$2.15 zł 8.17

20.00%

Taxi (Normal Tariff) (1km)

$1.32 zł 5.00

$0.72 zł 2.74

83.33%

Taxi 1hour Waiting (Normal Tariff)

$13.54 zł 51.4

$13.34 zł 50.6

1.50%

Gasoline (1 liter)

$1.68 zł 6.38

$1.60 zł 6.06

5.00%

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

$31.3K zł 118.9K

$31.9K zł 121.1K

-1.82%

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

$31.2K zł 118.4K

$28.8K zł 109.3K

8.33%

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

$366 zł 1,391

$269 zł 1,020

36.40%

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

$8.92 zł 33.85

$8.72 zł 33.09

2.29%

Internet (50+ Mbps, Unlimited Data)

$17.20 zł 65.3

$18.22 zł 69.2

-5.60%

Gym Membership (Monthly)

$50.2 zł 191

$38.97 zł 148

28.92%

Tennis Court (1 Hour on Weekend)

$28.82 zł 109

$22.18 zł 84.2

29.94%

Cinema Ticket

$9.75 zł 37.02

$6.83 zł 25.92

42.75%

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

$623 zł 2,366

$373 zł 1,415

67.16%

International Primary School, 1 Child (Yearly)

$15.8K zł 60.1K

$4,553 zł 17.3K

247.56%

Jeans (Levis 501 Or Similar)

$112 zł 426

$103 zł 391

8.87%

Summer Dress (H&M, Zara, etc)

$41.82 zł 159

$37.63 zł 143

11.13%

Sport Shoes (Adidas, Nike)

$112 zł 426

$88.9 zł 337

26.31%

Men's Leather Business Shoes

$123 zł 467

$92.6 zł 351

32.77%

1-bedroom Apartment, City Center (Monthly)

$1,236 zł 4,693

$628 zł 2,383

96.93%

1-bedroom Apartment, Outside City Center (Monthly)

$967 zł 3,673

$556 zł 2,113

73.85%

3-bedroom Apartment, City Center (Monthly)

$2,167 zł 8,228

$1,060 zł 4,024

104.46%

3-bedroom Apartment, Outside City Center (Monthly)

$1,578 zł 5,990

$904 zł 3,433

74.47%

Buy Apartment in City Center (m2)

$6,401 zł 24.3K

$2,828 zł 10.7K

126.31%

Buy Apartment Outside City Center (m2)

$4,165 zł 15.8K

$2,677 zł 10.2K

55.61%

Average Monthly Net Salary (After Tax)

$2,145 zł 8,145

$798 zł 3,030

168.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.65

7.07

-5.94%

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

Last update for Warsaw: September 14, 2026

Last update for Zamosc: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,236 in Warsaw and $628 in Zamosc. Housing cost is often the main lever when comparing two cities.

Warsaw pays 169% 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: $64.0 in Warsaw vs $39.00 in Zamosc for a mid-range dinner for two. Groceries echo the gap at $249 vs $212 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 51% 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 169% 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: $1,236 in Warsaw versus $628 in Zamosc. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,153 per month in Warsaw versus $1,424 in Zamosc – a 51% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Zamosc runs roughly 3% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,424 in Zamosc versus $2,153 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 $1,424 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 51% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.