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: $2,040 in Warsaw versus $1,429 in Zamosc.

Estimated couple costs with rent: $2,889 in Warsaw versus $2,089 in Zamosc.

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $2,750 in Zamosc.

Living in Warsaw is roughly 43% more expensive than Zamosc, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw 52% above, Zamosc 7% above.

Meal at Budget Restaurant

$11.04 zł 40.26

$9.40 zł 34.25

17.45%

Three-Course Dinner for Two, Mid-Range

$58.1 zł 212

$40.43 zł 147

43.75%

Fast Food Meal (McDonalds, etc)

$9.74 zł 35.51

$7.68 zł 28.00

26.82%

Cappuccino

$4.29 zł 15.63

$3.12 zł 11.38

37.50%

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

$2.11 zł 7.70

$2.46 zł 8.96

-14.23%

Water (0.33 liter bottle)

$1.81 zł 6.61

$2.01 zł 7.31

-9.95%

Local Beer (0.5 liter draught)

$4.45 zł 16.22

$3.30 zł 12.01

34.85%

Imported Beer (0.33 liter bottle)

$4.68 zł 17.07

$2.99 zł 10.91

56.52%

Milk (1 liter)

$1.15 zł 4.19

$1.11 zł 4.05

3.60%

White Bread (500g)

$1.36 zł 4.97

$1.19 zł 4.34

14.29%

Rice (white) (1kg)

$1.84 zł 6.70

$2.38 zł 8.68

-22.69%

Eggs

$3.63 zł 13.23

$3.54 zł 12.89

2.54%

Local Cheese (1kg)

$10.11 zł 36.86

$9.72 zł 35.42

4.01%

Chicken Fillets (1kg)

$6.98 zł 25.44

$5.80 zł 21.14

20.34%

Beef Round Steak (1kg)

$14.55 zł 53.1

$15.98 zł 58.3

-8.95%

Apples (1kg)

$1.29 zł 4.71

$0.91 zł 3.32

41.76%

Banana (1kg)

$1.79 zł 6.51

$1.61 zł 5.86

11.18%

Oranges (1kg)

$1.94 zł 7.06

$1.62 zł 5.91

19.75%

Tomato (1kg)

$3.62 zł 13.21

$2.15 zł 7.85

68.37%

Potato (1kg)

$1.06 zł 3.86

$0.74 zł 2.71

43.24%

Onion (1kg)

$1.18 zł 4.29

$1.50 zł 5.47

-21.33%

Lettuce (1 head)

$1.44 zł 5.24

$0.85 zł 3.09

69.41%

Water (1.5 liter bottle)

$0.67 zł 2.43

$0.45 zł 1.63

48.89%

Cigarettes 20 Pack (Marlboro, Camel)

$5.29 zł 19.29

$5.12 zł 18.66

3.32%

Wine (Bottle)

$8.29 zł 30.23

$5.55 zł 20.22

49.37%

Local Beer (0.5 liter bottle)

$1.43 zł 5.20

$1.07 zł 3.92

33.64%

Imported Beer (0.33 liter bottle)

$1.88 zł 6.86

$1.38 zł 5.01

36.23%

One-way Ticket (Public Transport)

$1.16 zł 4.23

$0.83 zł 3.01

39.76%

Public Transport Monthly Pass (Regular Price)

$29.77 zł 109

$32.17 zł 117

-7.46%

Taxi Start (Normal Tariff)

$2.63 zł 9.60

$2.13 zł 7.76

23.47%

Taxi (Normal Tariff) (1km)

$0.98 zł 3.56

$0.79 zł 2.89

24.05%

Taxi 1hour Waiting (Normal Tariff)

$13.42 zł 48.94

$12.02 zł 43.81

11.65%

Gasoline (1 liter)

$1.71 zł 6.22

$1.61 zł 5.88

6.21%

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

$33.4K zł 121.7K

$34.1K zł 124.4K

-2.11%

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

$33.6K zł 122.5K

$30.9K zł 112.6K

8.74%

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

$357 zł 1,302

$269 zł 979

33.03%

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

$10.03 zł 36.57

$8.28 zł 30.19

21.14%

Internet (50+ Mbps, Unlimited Data)

$17.56 zł 64.0

$18.32 zł 66.8

-4.15%

Gym Membership (Monthly)

$44.87 zł 164

$38.17 zł 139

17.55%

Tennis Court (1 Hour on Weekend)

$29.23 zł 107

$19.32 zł 70.4

51.29%

Cinema Ticket

$9.70 zł 35.35

$6.62 zł 24.13

46.53%

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

$580 zł 2,113

$372 zł 1,355

55.94%

International Primary School, 1 Child (Yearly)

$15.7K zł 57.1K

$8,075 zł 29.4K

94.06%

Jeans (Levis 501 Or Similar)

$99.2 zł 362

$89.5 zł 326

10.92%

Summer Dress (H&M, Zara, etc)

$46.99 zł 171

$34.56 zł 126

35.97%

Sport Shoes (Adidas, Nike)

$92.5 zł 337

$94.3 zł 344

-1.92%

Men's Leather Business Shoes

$111 zł 404

$94.5 zł 345

17.11%

1-bedroom Apartment, City Center (Monthly)

$1,161 zł 4,232

$660 zł 2,405

75.96%

1-bedroom Apartment, Outside City Center (Monthly)

$890 zł 3,243

$503 zł 1,833

76.89%

3-bedroom Apartment, City Center (Monthly)

$2,033 zł 7,412

$975 zł 3,556

108.44%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 zł 5,564

$810 zł 2,953

88.42%

Buy Apartment in City Center (m2)

$6,283 zł 22.9K

$2,814 zł 10.3K

123.26%

Buy Apartment Outside City Center (m2)

$4,074 zł 14.9K

$2,456 zł 8,954

65.84%

Average Monthly Net Salary (After Tax)

$2,228 zł 8,123

$838 zł 3,054

166.02%

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: June 1, 2026

Last update for Zamosc: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,161 in Warsaw and $660 in Zamosc. Housing cost is often the main lever when comparing two cities.

Warsaw pays 166% 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: $58.0 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 43% 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.

Warsaw pays 166% more on average, 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: $1,161 in Warsaw versus $660 in Zamosc. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,040 per month in Warsaw versus $1,429 in Zamosc – a 43% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Zamosc runs roughly 8% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,429 in Zamosc versus $2,040 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 $1,429 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 43% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.