Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Zamosc

For one person, living is cheaper in Zamosc: $1,391 a month against $2,031 in Warsaw, rent and utilities included – about $7,700 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
67

Cost of Living Index in Zamosc
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Zamosc Living Index

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Warsaw

🇵🇱 Poland

$2,031

/mo nomad

Zamosc

🇵🇱 Poland

$1,391

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Zamosc

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

Monthly costs for one person with rent: $2,031 in Warsaw versus $1,391 in Zamosc.

Warsaw $2,031
Zamosc $1,391

Estimated couple costs with rent: $2,883 in Warsaw versus $1,994 in Zamosc.

Warsaw $2,883
Zamosc $1,994

Monthly costs for a family of three with rent: $3,735 in Warsaw versus $2,598 in Zamosc.

Warsaw $3,735
Zamosc $2,598

Living in Warsaw is roughly 46% more expensive than in Zamosc, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Warsaw 49% above, Zamosc 2% above.

Meal at Budget Restaurant

$11.51 zł 45.40

$9.73 zł 38.36

18.29%

Three-Course Dinner for Two, Mid-Range

$60.0 zł 236

$38.08 zł 150

57.46%

Fast Food Meal (McDonalds, etc)

$10.17 zł 40.11

$7.27 zł 28.69

39.89%

Cappuccino

$4.26 zł 16.80

$2.99 zł 11.79

42.47%

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

$2.22 zł 8.75

$1.80 zł 7.10

23.33%

Water (0.33 liter bottle)

$2.20 zł 8.66

$1.48 zł 5.84

48.65%

Local Beer (0.5 liter draught)

$4.67 zł 18.42

$3.48 zł 13.71

34.20%

Imported Beer (0.33 liter bottle)

$5.10 zł 20.09

$3.04 zł 11.99

67.76%

Milk (1 liter)

$1.04 zł 4.09

$1.01 zł 3.98

2.97%

White Bread (500g)

$1.49 zł 5.89

$1.03 zł 4.06

44.66%

Rice (white) (1kg)

$1.55 zł 6.11

$2.10 zł 8.26

-26.19%

Eggs

$3.84 zł 15.15

$3.38 zł 13.33

13.61%

Local Cheese (1kg)

$8.98 zł 35.41

$9.15 zł 36.06

-1.86%

Chicken Fillets (1kg)

$6.41 zł 25.26

$5.41 zł 21.32

18.48%

Beef Round Steak (1kg)

$14.32 zł 56.5

$14.59 zł 57.6

-1.85%

Apples (1kg)

$1.16 zł 4.59

$1.15 zł 4.52

0.87%

Banana (1kg)

$1.71 zł 6.74

$1.55 zł 6.12

10.32%

Oranges (1kg)

$1.67 zł 6.57

$1.51 zł 5.96

10.60%

Tomato (1kg)

$4.07 zł 16.04

$1.98 zł 7.82

105.56%

Potato (1kg)

$0.91 zł 3.60

$0.70 zł 2.75

30.00%

Onion (1kg)

$0.91 zł 3.61

$1.17 zł 4.61

-22.22%

Lettuce (1 head)

$1.45 zł 5.74

$0.80 zł 3.14

81.25%

Water (1.5 liter bottle)

$0.64 zł 2.53

$0.39 zł 1.55

64.10%

Cigarettes 20 Pack (Marlboro, Camel)

$6.28 zł 24.78

$4.96 zł 19.56

26.61%

Wine (Bottle)

$6.49 zł 25.57

$5.05 zł 19.93

28.51%

Local Beer (0.5 liter bottle)

$1.10 zł 4.35

$1.02 zł 4.02

7.84%

Imported Beer (0.33 liter bottle)

$1.73 zł 6.81

$1.30 zł 5.13

33.08%

One-way Ticket (Public Transport)

$1.13 zł 4.46

$1.09 zł 4.31

3.67%

Public Transport Monthly Pass (Regular Price)

$27.61 zł 109

$32.88 zł 130

-16.03%

Taxi Start (Normal Tariff)

$2.62 zł 10.31

$2.07 zł 8.16

26.57%

Taxi (Normal Tariff) (1km)

$1.23 zł 4.86

$0.69 zł 2.73

78.26%

Taxi 1hour Waiting (Normal Tariff)

$12.79 zł 50.4

$12.61 zł 49.71

1.43%

Gasoline (1 liter)

$1.69 zł 6.65

$1.55 zł 6.11

9.03%

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

$30.9K zł 121.7K

$30.1K zł 118.8K

2.47%

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

$29.5K zł 116.3K

$27.8K zł 109.8K

5.93%

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

$345 zł 1,360

$254 zł 1,000

35.92%

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

$8.92 zł 35.17

$8.02 zł 31.62

11.22%

Internet (50+ Mbps, Unlimited Data)

$15.86 zł 62.5

$17.98 zł 70.9

-11.79%

Gym Membership (Monthly)

$46.80 zł 185

$38.62 zł 152

21.18%

Tennis Court (1 Hour on Weekend)

$27.37 zł 108

$21.19 zł 83.5

29.16%

Cinema Ticket

$8.94 zł 35.26

$6.42 zł 25.32

39.25%

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

$592 zł 2,333

$354 zł 1,397

67.01%

International Primary School, 1 Child (Yearly)

$14.6K zł 57.8K

$4,296 zł 16.9K

240.93%

Jeans (Levis 501 Or Similar)

$105 zł 415

$96.6 zł 381

8.82%

Summer Dress (H&M, Zara, etc)

$39.69 zł 157

$35.73 zł 141

11.08%

Sport Shoes (Adidas, Nike)

$104 zł 408

$86.6 zł 342

19.54%

Men's Leather Business Shoes

$111 zł 438

$89.4 zł 352

24.23%

1-bedroom Apartment, City Center (Monthly)

$1,136 zł 4,478

$606 zł 2,392

87.23%

1-bedroom Apartment, Outside City Center (Monthly)

$938 zł 3,698

$504 zł 1,988

86.01%

3-bedroom Apartment, City Center (Monthly)

$2,147 zł 8,465

$923 zł 3,640

132.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,463 zł 5,771

$776 zł 3,059

88.68%

Buy Apartment in City Center (m2)

$5,917 zł 23.3K

$2,525 zł 9,957

134.33%

Buy Apartment Outside City Center (m2)

$3,905 zł 15.4K

$2,415 zł 9,525

61.65%

Average Monthly Net Salary (After Tax)

$2,097 zł 8,268

$752 zł 2,965

178.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

7.07

-5.37%

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

Last update for Warsaw: October 25, 2026

Last update for Zamosc: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$938 46.2%

Zamosc

$504 36.3% 46.2% $434

Monthly Utilities & Internet

Warsaw

$370 18.2%

Zamosc

$280 20.1% 24.3% $90

Groceries & Markets

Warsaw

$232 11.4%

Zamosc

$202 14.5% 13% $30

Eating Out

Warsaw

$225 11.1%

Zamosc

$172 12.4% 23.5% $53

Clothing & Footwear

Warsaw

$162 8%

Zamosc

$139 10% 14.2% $23

Sport & Entertainment

Warsaw

$65 3.2%

Zamosc

$51 3.7% 20.4% $13

Getting Around

Warsaw

$41 2%

Zamosc

$43 3.1% 4.6% $1.9

Cost Breakdown

A one-bedroom apartment in the center runs $1,136 in Warsaw and $606 in Zamosc. Housing cost is often the main lever when comparing two cities.

Warsaw pays about 2.8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $60 in Warsaw vs $38 in Zamosc for a mid-range dinner for two. Groceries echo the gap at $232 vs $202 per month, with Zamosc cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Zamosc

🕒 Local time

03:59 3:59 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

62,368

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.254 USD

1 PLN = 0.226 EUR

1 PLN = 0.254 USD

1 PLN = 0.226 EUR

Exchange rates and currency converter

On the map

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Warsaw Zamosc 230 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 Zamosc: Cost of Living - Frequently Asked Questions

Zamosc wins on cost – living expenses run 32% 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 in Warsaw is about 2.8 times higher, 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: $1,136 in Warsaw versus $606 in Zamosc. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,031 per month in Warsaw versus $1,391 in Zamosc – Zamosc is about 32% cheaper, which adds up to real savings over time.

A monthly transit pass in Warsaw runs roughly 16% less than in Zamosc. The price difference matters if you commute daily and watch your budget.

At $1,391 in Zamosc versus $2,031 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 cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Warsaw and Zamosc are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Zamosc wins on affordability, Warsaw on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.