Last update: Nov 2026

Cost of Living Comparison Between Warsaw and Zawiercie

For one person, living is cheaper in Zawiercie: $1,345 a month against $1,995 in Warsaw, rent and utilities included – about $7,800 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Warsaw
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Warsaw Living Index
64

Cost of Living Index in Zawiercie
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Zawiercie Living Index

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Warsaw

🇵🇱 Poland

$1,995

/mo nomad

Zawiercie

🇵🇱 Poland

$1,345

/mo nomad

Monthly Cost of Living

How much you'll spend in Warsaw and in Zawiercie

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

Monthly costs for one person with rent: $1,995 in Warsaw versus $1,345 in Zawiercie.

Warsaw $1,995
Zawiercie $1,345

Estimated couple costs with rent: $2,866 in Warsaw versus $1,901 in Zawiercie.

Warsaw $2,866
Zawiercie $1,901

Monthly costs for a family of three with rent: $3,737 in Warsaw versus $2,456 in Zawiercie.

Warsaw $3,737
Zawiercie $2,456

Living in Warsaw is roughly 48% more expensive than in Zawiercie, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$11.57 zł 45.21

$6.46 zł 25.24

79.10%

Three-Course Dinner for Two, Mid-Range

$61.8 zł 242

$33.76 zł 132

83.15%

Fast Food Meal (McDonalds, etc)

$9.95 zł 38.89

$8.09 zł 31.63

22.99%

Cappuccino

$4.31 zł 16.84

$1.98 zł 7.72

117.68%

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

$2.32 zł 9.09

$1.29 zł 5.06

79.84%

Water (0.33 liter bottle)

$2.27 zł 8.86

$0.60 zł 2.36

278.33%

Local Beer (0.5 liter draught)

$4.54 zł 17.75

$2.86 zł 11.18

58.74%

Imported Beer (0.33 liter bottle)

$5.18 zł 20.24

$3.37 zł 13.18

53.71%

Milk (1 liter)

$1.06 zł 4.15

$0.96 zł 3.75

10.42%

White Bread (500g)

$1.54 zł 6.02

$1.04 zł 4.08

48.08%

Rice (white) (1kg)

$1.53 zł 5.97

$1.41 zł 5.52

8.51%

Eggs

$3.80 zł 14.85

$2.63 zł 10.27

44.49%

Local Cheese (1kg)

$8.87 zł 34.65

$7.71 zł 30.15

15.05%

Chicken Fillets (1kg)

$6.80 zł 26.57

$5.56 zł 21.74

22.30%

Beef Round Steak (1kg)

$14.56 zł 56.9

$11.84 zł 46.27

22.97%

Apples (1kg)

$1.16 zł 4.53

$0.87 zł 3.41

33.33%

Banana (1kg)

$1.70 zł 6.65

$1.45 zł 5.67

17.24%

Oranges (1kg)

$1.67 zł 6.54

$1.46 zł 5.69

14.38%

Tomato (1kg)

$4.35 zł 17.02

$2.62 zł 10.23

66.03%

Potato (1kg)

$0.94 zł 3.66

$0.78 zł 3.04

20.51%

Onion (1kg)

$0.91 zł 3.55

$0.79 zł 3.07

15.19%

Lettuce (1 head)

$1.43 zł 5.58

$1.24 zł 4.86

15.32%

Water (1.5 liter bottle)

$0.69 zł 2.71

$0.52 zł 2.05

32.69%

Cigarettes 20 Pack (Marlboro, Camel)

$6.15 zł 24.05

$4.71 zł 18.39

30.57%

Wine (Bottle)

$6.20 zł 24.23

$6.36 zł 24.83

-2.52%

Local Beer (0.5 liter bottle)

$1.09 zł 4.28

$0.99 zł 3.88

10.10%

Imported Beer (0.33 liter bottle)

$1.70 zł 6.62

$1.63 zł 6.37

4.29%

One-way Ticket (Public Transport)

$1.13 zł 4.42

$1.08 zł 4.23

4.63%

Public Transport Monthly Pass (Regular Price)

$27.41 zł 107

$29.45 zł 115

-6.93%

Taxi Start (Normal Tariff)

$2.57 zł 10.04

$1.76 zł 6.87

46.02%

Taxi (Normal Tariff) (1km)

$1.30 zł 5.06

$0.74 zł 2.90

75.68%

Taxi 1hour Waiting (Normal Tariff)

$12.56 zł 49.06

$10.70 zł 41.83

17.38%

Gasoline (1 liter)

$1.73 zł 6.77

$1.69 zł 6.62

2.37%

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

$30.0K zł 117.2K

$30.0K zł 117.1K

0.09%

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

$30.4K zł 118.7K

$27.4K zł 107.0K

10.92%

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

$329 zł 1,285

$272 zł 1,064

20.82%

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

$9.08 zł 35.47

$7.74 zł 30.24

17.31%

Internet (50+ Mbps, Unlimited Data)

$16.00 zł 62.5

$10.04 zł 39.23

59.36%

Gym Membership (Monthly)

$46.70 zł 183

$38.01 zł 149

22.86%

Tennis Court (1 Hour on Weekend)

$27.92 zł 109

$21.98 zł 85.9

27.02%

Cinema Ticket

$8.80 zł 34.40

$4.93 zł 19.27

78.50%

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

$592 zł 2,314

$572 zł 2,235

3.53%

International Primary School, 1 Child (Yearly)

$18.2K zł 71.2K

$12.0K zł 47.0K

51.46%

Jeans (Levis 501 Or Similar)

$105 zł 410

$68.8 zł 269

52.72%

Summer Dress (H&M, Zara, etc)

$38.96 zł 152

$31.79 zł 124

22.55%

Sport Shoes (Adidas, Nike)

$108 zł 422

$90.2 zł 352

19.66%

Men's Leather Business Shoes

$112 zł 438

$90.7 zł 355

23.67%

1-bedroom Apartment, City Center (Monthly)

$1,150 zł 4,493

$588 zł 2,296

95.67%

1-bedroom Apartment, Outside City Center (Monthly)

$910 zł 3,557

$522 zł 2,040

74.35%

3-bedroom Apartment, City Center (Monthly)

$2,144 zł 8,377

$955 zł 3,732

124.47%

3-bedroom Apartment, Outside City Center (Monthly)

$1,456 zł 5,689

$811 zł 3,169

79.50%

Buy Apartment in City Center (m2)

$6,018 zł 23.5K

$2,964 zł 11.6K

103.00%

Buy Apartment Outside City Center (m2)

$3,852 zł 15.1K

$2,192 zł 8,565

75.76%

Average Monthly Net Salary (After Tax)

$2,052 zł 8,017

$885 zł 3,460

131.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

7.19

-7.09%

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

Last update for Warsaw: November 2, 2026

Last update for Zawiercie: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw

$910 45.6%

Zawiercie

$522 38.8% 42.6% $388

Monthly Utilities & Internet

Warsaw

$354 17.7%

Zawiercie

$290 21.6% 18.1% $64

Groceries & Markets

Warsaw

$236 11.8%

Zawiercie

$191 14.2% 19.2% $45

Eating Out

Warsaw

$226 11.3%

Zawiercie

$128 9.5% 43.1% $97

Clothing & Footwear

Warsaw

$164 8.2%

Zawiercie

$127 9.4% 22.7% $37

Sport & Entertainment

Warsaw

$64 3.2%

Zawiercie

$48 3.6% 25.6% $16

Getting Around

Warsaw

$41 2.1%

Zawiercie

$39 2.9% 4.2% $1.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,150 in Warsaw and $588 in Zawiercie. Housing cost is often the main lever when comparing two cities.

Warsaw pays about 2.3 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $62 in Warsaw vs $34 in Zawiercie for a mid-range dinner for two. Groceries echo the gap at $236 vs $191 per month, with Zawiercie cheaper across the board.

Good to know

🇵🇱 Warsaw

🇵🇱 Zawiercie

🕒 Local time

00:56 12:56 AM

Same time as Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

48,412

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

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Warsaw Zawiercie 220 km

From you

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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 Zawiercie: Cost of Living - Frequently Asked Questions

Zawiercie wins on cost – living expenses run 33% lower than in Warsaw. Housing and daily spending are where you’ll feel the difference most, making Zawiercie the obvious pick if budget is a priority.

Average pay in Warsaw is about 2.3 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: $1,150 in Warsaw versus $588 in Zawiercie. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,995 per month in Warsaw versus $1,345 in Zawiercie – Zawiercie is about 33% cheaper, which adds up to real savings over time.

A monthly transit pass in Warsaw runs roughly 7% less than in Zawiercie. The price difference matters if you commute daily and watch your budget.

Both cities are expensive relative to $1,000. Zawiercie is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Zawiercie are both considered safe, so it’s unlikely to be the deciding factor between them.

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