Last update: Oct 2026

Cost of Living Comparison Between Zamosc and Warsaw

For one person, living is cheaper in Zamosc: $1,330 a month against $2,032 in Warsaw, rent and utilities included – about $8,400 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Zamosc
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Zamosc Living Index
99

Cost of Living Index in Warsaw
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Warsaw Living Index

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Zamosc

🇵🇱 Poland

$1,330

/mo nomad

Warsaw

🇵🇱 Poland

$2,032

/mo nomad

Monthly Cost of Living

How much you'll spend in Zamosc and in Warsaw

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Zamosc and in Warsaw actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,330 in Zamosc versus $2,032 in Warsaw.

Zamosc $1,330
Warsaw $2,032

Estimated couple costs with rent: $2,049 in Zamosc versus $2,918 in Warsaw.

Zamosc $2,049
Warsaw $2,918

Monthly costs for a family of three with rent: $2,767 in Zamosc versus $3,804 in Warsaw.

Zamosc $2,767
Warsaw $3,804

Living in Zamosc costs roughly 35% less than in Warsaw, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Zamosc is 1% below, Warsaw is 50% above.

Meal at Budget Restaurant

$9.56 zł 37.14

$11.51 zł 44.72

-16.94%

Three-Course Dinner for Two, Mid-Range

$38.19 zł 148

$60.6 zł 236

-37.01%

Fast Food Meal (McDonalds, etc)

$7.46 zł 28.97

$10.00 zł 38.87

-25.40%

Cappuccino

$2.98 zł 11.60

$4.17 zł 16.22

-28.54%

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

$1.87 zł 7.27

$2.27 zł 8.81

-17.62%

Water (0.33 liter bottle)

$1.52 zł 5.90

$2.21 zł 8.61

-31.22%

Local Beer (0.5 liter draught)

$3.36 zł 13.05

$4.60 zł 17.87

-26.96%

Imported Beer (0.33 liter bottle)

$3.06 zł 11.89

$5.01 zł 19.47

-38.92%

Milk (1 liter)

$1.06 zł 4.10

$1.05 zł 4.07

0.95%

White Bread (500g)

$1.02 zł 3.98

$1.52 zł 5.90

-32.89%

Rice (white) (1kg)

$2.22 zł 8.63

$1.54 zł 6.00

44.16%

Eggs

$3.39 zł 13.16

$3.76 zł 14.60

-9.84%

Local Cheese (1kg)

$9.25 zł 35.95

$8.55 zł 33.22

8.19%

Chicken Fillets (1kg)

$5.31 zł 20.61

$6.29 zł 24.43

-15.58%

Beef Round Steak (1kg)

$14.73 zł 57.2

$14.54 zł 56.5

1.31%

Apples (1kg)

$1.13 zł 4.39

$1.17 zł 4.55

-3.42%

Banana (1kg)

$1.57 zł 6.09

$1.73 zł 6.73

-9.25%

Oranges (1kg)

$1.52 zł 5.89

$1.71 zł 6.66

-11.11%

Tomato (1kg)

$2.00 zł 7.78

$4.04 zł 15.71

-50.50%

Potato (1kg)

$0.70 zł 2.74

$0.91 zł 3.53

-23.08%

Onion (1kg)

$1.18 zł 4.58

$0.86 zł 3.34

37.21%

Lettuce (1 head)

$0.79 zł 3.07

$1.39 zł 5.39

-43.17%

Water (1.5 liter bottle)

$0.39 zł 1.52

$0.69 zł 2.67

-43.48%

Cigarettes 20 Pack (Marlboro, Camel)

$5.12 zł 19.89

$6.19 zł 24.04

-17.29%

Wine (Bottle)

$5.18 zł 20.12

$6.46 zł 25.10

-19.81%

Local Beer (0.5 liter bottle)

$1.05 zł 4.07

$1.10 zł 4.28

-4.55%

Imported Beer (0.33 liter bottle)

$1.30 zł 5.05

$1.63 zł 6.35

-20.25%

One-way Ticket (Public Transport)

$1.03 zł 3.98

$1.11 zł 4.31

-7.21%

Public Transport Monthly Pass (Regular Price)

$33.69 zł 131

$28.52 zł 111

18.13%

Taxi Start (Normal Tariff)

$2.09 zł 8.13

$2.47 zł 9.58

-15.38%

Taxi (Normal Tariff) (1km)

$0.69 zł 2.67

$1.31 zł 5.08

-47.33%

Taxi 1hour Waiting (Normal Tariff)

$12.78 zł 49.66

$12.87 zł 50.0

-0.70%

Gasoline (1 liter)

$1.56 zł 6.06

$1.75 zł 6.80

-10.86%

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

$30.3K zł 117.9K

$30.7K zł 119.4K

-1.26%

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

$27.2K zł 105.5K

$30.8K zł 119.5K

-11.71%

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

$254 zł 988

$341 zł 1,324

-25.40%

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

$8.51 zł 33.05

$9.00 zł 34.95

-5.44%

Internet (50+ Mbps, Unlimited Data)

$17.44 zł 67.8

$16.19 zł 62.9

7.72%

Gym Membership (Monthly)

$38.28 zł 149

$45.81 zł 178

-16.44%

Tennis Court (1 Hour on Weekend)

$22.83 zł 88.7

$27.81 zł 108

-17.91%

Cinema Ticket

$6.30 zł 24.49

$9.04 zł 35.12

-30.31%

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

$357 zł 1,389

$594 zł 2,306

-39.79%

International Primary School, 1 Child (Yearly)

$4,324 zł 16.8K

$14.3K zł 55.6K

-69.80%

Jeans (Levis 501 Or Similar)

$97.9 zł 380

$109 zł 424

-10.24%

Summer Dress (H&M, Zara, etc)

$36.81 zł 143

$40.12 zł 156

-8.25%

Sport Shoes (Adidas, Nike)

$86.5 zł 336

$104 zł 405

-17.05%

Men's Leather Business Shoes

$90.0 zł 350

$111 zł 431

-18.91%

1-bedroom Apartment, City Center (Monthly)

$617 zł 2,396

$1,181 zł 4,587

-47.76%

1-bedroom Apartment, Outside City Center (Monthly)

$441 zł 1,713

$942 zł 3,659

-53.18%

3-bedroom Apartment, City Center (Monthly)

$942 zł 3,661

$2,074 zł 8,056

-54.56%

3-bedroom Apartment, Outside City Center (Monthly)

$938 zł 3,644

$1,533 zł 5,958

-38.84%

Buy Apartment in City Center (m2)

$3,330 zł 12.9K

$5,932 zł 23.0K

-43.86%

Buy Apartment Outside City Center (m2)

$2,339 zł 9,089

$3,836 zł 14.9K

-39.01%

Average Monthly Net Salary (After Tax)

$769 zł 2,989

$2,049 zł 7,959

-62.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

6.68

5.84%

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

Last update for Zamosc: October 12, 2026

Last update for Warsaw: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Zamosc

$441 33.2%

Warsaw

$942 46.4% 114% $501

Monthly Utilities & Internet

Zamosc

$280 21.1%

Warsaw

$366 18% 30.6% $86

Groceries & Markets

Zamosc

$203 15.3%

Warsaw

$231 11.4% 13.5% $27

Eating Out

Zamosc

$171 12.9%

Warsaw

$223 11% 30.4% $52

Clothing & Footwear

Zamosc

$140 10.5%

Warsaw

$164 8.1% 17.1% $24

Sport & Entertainment

Zamosc

$51 3.8%

Warsaw

$64 3.1% 25.5% $13

Getting Around

Zamosc

$43 3.3%

Warsaw

$42 2.1% 3.2% $1.4

Cost Breakdown

A one-bedroom apartment in the center runs $617 in Zamosc and $1,181 in Warsaw. 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: $38.00 in Zamosc vs $61.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $203 vs $231 per month, with Zamosc cheaper across the board.

Good to know

🇵🇱 Zamosc

🇵🇱 Warsaw

🕒 Local time

18:40 6:40 PM

Same time as Zamosc

🌤 Weather

👥 Population

62,368

1,861,599 Capital

💱 Currency

Polish Złoty PLN zł

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

On the map

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Zamosc Warsaw 230 km

From you

Zamosc
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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

Zamosc vs Warsaw: Cost of Living - Frequently Asked Questions

Zamosc wins on cost – living expenses run 53% 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.

On paper, salaries run 166% lower in Warsaw. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $617 in Zamosc versus $1,181 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,330 per month in Zamosc versus $2,032 in Warsaw – a 53% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Zamosc runs roughly 18% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,330 in Zamosc versus $2,032 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 $1,330 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zamosc hard to pass up.

Safety-wise, Zamosc and Warsaw 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 53% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.