Cost of Living in Lomza - Updated Prices & Insights

Monthly Cost of Living

Living costs for one person come to about $1,568 monthly including rent, or $721 excluding housing.

Estimated monthly costs for a couple: $2,247 with rent, or $1,248 without housing.

Monthly costs for a family of three come to about $2,926 including rent, or $1,775 for daily expenses alone.

Lomza sits 1–14% above the global median across household types. Within Europe, costs are 15% below average – relatively affordable for the region.

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🍽 Eating Out
Cost
Range
Meal at Budget Restaurant
$10.13 zł 37.73
$8.00 zł 29.78
$16.00 zł 59.6
Three-Course Dinner for Two, Mid-Range
$49.53 zł 184
$40.82 zł 152
$81.6 zł 304
Fast Food Meal (McDonalds, etc)
$9.16 zł 34.12
$7.34 zł 27.33
$9.43 zł 35.10
Cappuccino
$3.89 zł 14.48
$3.29 zł 12.27
$4.12 zł 15.35
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.78 zł 10.35
$1.89 zł 7.03
$3.50 zł 13.04
Water (0.33 liter bottle)
$2.79 zł 10.37
$2.61 zł 9.72
$3.14 zł 11.68
Local Beer (0.5 liter draught)
$4.76 zł 17.74
$3.44 zł 12.82
$5.30 zł 19.72
Imported Beer (0.33 liter bottle)
$5.47 zł 20.38
$4.11 zł 15.30
$6.84 zł 25.47
🛒 Groceries & Markets
Cost
Range
Milk (1 liter)
$1.08 zł 4.01
$0.96 zł 3.59
$1.10 zł 4.09
White Bread (500g)
$1.16 zł 4.30
$0.71 zł 2.64
$2.45 zł 9.13
Rice (white) (1kg)
$1.40 zł 5.20
$0.92 zł 3.42
$2.62 zł 9.75
Eggs
$3.61 zł 13.42
$2.19 zł 8.15
$4.27 zł 15.89
Local Cheese (1kg)
$11.25 zł 41.89
$7.58 zł 28.23
$24.36 zł 90.7
Chicken Fillets (1kg)
$7.42 zł 27.64
$5.21 zł 19.42
$10.15 zł 37.80
Beef Round Steak (1kg)
$12.25 zł 45.61
$10.67 zł 39.73
$18.13 zł 67.5
Apples (1kg)
$1.23 zł 4.59
$1.08 zł 4.03
$1.63 zł 6.06
Banana (1kg)
$1.75 zł 6.53
$1.36 zł 5.06
$2.72 zł 10.12
Oranges (1kg)
$2.43 zł 9.05
$1.58 zł 5.90
$5.28 zł 19.67
Tomato (1kg)
$3.12 zł 11.62
$2.18 zł 8.11
$4.08 zł 15.20
Potato (1kg)
$0.82 zł 3.06
$0.52 zł 1.92
$1.02 zł 3.81
Onion (1kg)
$0.96 zł 3.57
$0.83 zł 3.08
$1.37 zł 5.09
Lettuce (1 head)
$1.40 zł 5.23
$1.05 zł 3.91
$1.85 zł 6.88
Water (1.5 liter bottle)
$0.66 zł 2.46
$0.41 zł 1.54
$0.83 zł 3.11
Cigarettes 20 Pack (Marlboro, Camel)
$6.09 zł 22.68
$5.63 zł 20.95
$7.31 zł 27.22
Wine (Bottle)
$7.11 zł 26.46
$5.47 zł 20.35
$12.30 zł 45.79
Local Beer (0.5 liter bottle)
$1.17 zł 4.35
$0.80 zł 2.96
$1.58 zł 5.89
Imported Beer (0.33 liter bottle)
$1.85 zł 6.87
$1.64 zł 6.11
$2.47 zł 9.19
🚌 Getting Around
Cost
Range
One-way Ticket (Public Transport)
$1.11 zł 4.15
$1.01 zł 3.74
$1.21 zł 4.51
Public Transport Monthly Pass (Regular Price)
$31.31 zł 117
$27.34 zł 102
$32.80 zł 122
Taxi Start (Normal Tariff)
$1.59 zł 5.93
$1.59 zł 5.93
$2.60 zł 9.69
Taxi (Normal Tariff) (1km)
$0.57 zł 2.14
$0.57 zł 2.14
$1.30 zł 4.86
Taxi 1hour Waiting (Normal Tariff)
$9.42 zł 35.08
$9.16 zł 34.10
$12.56 zł 46.77
Gasoline (1 liter)
$1.57 zł 5.83
$1.54 zł 5.72
$1.83 zł 6.81
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$32.3K zł 120.2K
$32.3K zł 120.2K
$32.7K zł 121.8K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$28.2K zł 104.8K
$26.5K zł 98.5K
$30.2K zł 112.4K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$330 zł 1,227
$268 zł 1,000
$421 zł 1,569
SIM Card Monthly Plan (Calls and 10GB+ Data)
$9.22 zł 34.34
$6.87 zł 25.57
$13.74 zł 51.2
Internet (50+ Mbps, Unlimited Data)
$17.93 zł 66.8
$14.60 zł 54.4
$22.58 zł 84.1
🎉 Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$39.17 zł 146
$31.71 zł 118
$47.56 zł 177
Tennis Court (1 Hour on Weekend)
$23.36 zł 87.0
$12.13 zł 45.17
$23.36 zł 87.0
Cinema Ticket
$8.55 zł 31.85
$6.90 zł 25.69
$9.93 zł 36.98
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$543 zł 2,021
$379 zł 1,411
$856 zł 3,187
International Primary School, 1 Child (Yearly)
$10.9K zł 40.5K
$3,755 zł 14.0K
$17.0K zł 63.3K
👕👟 Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$77.1 zł 287
$40.16 zł 150
$87.3 zł 325
Summer Dress (H&M, Zara, etc)
$41.81 zł 156
$39.70 zł 148
$44.99 zł 168
Sport Shoes (Adidas, Nike)
$95.1 zł 354
$68.1 zł 253
$114 zł 426
Men's Leather Business Shoes
$101 zł 378
$66.9 zł 249
$107 zł 399
🏠 Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center (Monthly)
$644 zł 2,398
$492 zł 1,830
$795 zł 2,959
1-bedroom Apartment, Outside City Center (Monthly)
$517 zł 1,924
$446 zł 1,661
$628 zł 2,337
3-bedroom Apartment, City Center (Monthly)
$1,037 zł 3,861
$798 zł 2,972
$1,197 zł 4,458
3-bedroom Apartment, Outside City Center (Monthly)
$874 zł 3,254
$679 zł 2,528
$1,037 zł 3,862
Buy Apartment in City Center (m2)
$2,990 zł 11.1K
$2,250 zł 8,376
$3,308 zł 12.3K
Buy Apartment Outside City Center (m2)
$2,317 zł 8,626
$1,986 zł 7,394
$2,648 zł 9,859
💵 Salaries & Financials
Cost
Range
20-Year Fixed Mortgage Interest Rate (Annual %)
6.87
5
8

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

Last update: September 6, 2026

Cost Breakdown

Expect to spend about $234 monthly on groceries. Dining out at a mid-range restaurant costs roughly $50.0 for two – well below the European average of $76.0.

Public transport is priced at around $31.31 per month – among the cheapest in Europe (average $50.0).

Cost Highlights

Taxi is cheaper than 90% of cities in Europe

Lomza is more expensive than 50% globally but cheaper than 65% within Europe.

Lomza Median Internet Speeds (Updated April 2026)

Mobile

Download
Mbps
Upload
Mbps
Latency
ms

Fixed Broadband

Download
Mbps
Upload
Mbps
Latency
ms
The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index
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Cost of Living in Lomza - Frequently Asked Questions
How affordable is Lomza for travelers, expats, and digital nomads compared with bigger Polish cities?
For many travelers, expats, and digital nomads, Cost of Living in Lomza, Poland is a practical starting point for budgeting. You may notice lower rent and everyday costs than in Poland's bigger cities, while essential services, groceries, and dining out remain accessible. The appeal is value: a walkable city center, slower pace, and reduced traffic can cut transport time and costs. Seasonality matters: winters drive heating needs; summers moderate utility use. Tip: choose an energy-efficient apartment and compare weekly markets for fresh produce to stretch your budget.
What does daily life look like for housing, food, transport, and coworking in Lomza?
Daily life centers in a compact, friendly city. Housing options range from modest flats in older blocks to newer rentals near the river, with neighborhoods offering walkability and easy access to shops. Food is anchored by markets, bakeries, and family-run eateries where you sample seasonal produce without a big spend. For digital nomads, coworking spaces and calm cafés with reliable Wi-Fi exist, though options are smaller than in bigger cities. Public transport is practical and affordable, and errands are often doable on foot or by a short bus ride. Lomza, Poland living cost stays approachable for steady, longer stays. Tip: align shopping with market days and keep a flexible schedule for errands.
How can you plan for quality of life and budget effectively, and what neighborhoods fit different vibes and seasons in Lomza?
Quality of life here hinges on balance, community feel, and predictable costs. Use a simple budgeting framework: divide your budget into housing, utilities, groceries, and leisure, then adjust seasonally for heating or cooling. Neighborhood fit matters: centers near the market and river offer evening strolls and convenience, while quieter residential blocks suit focus and longer stays. Save by cooking at home, buying in-season produce, and taking advantage of free local events and outdoor spaces. If you travel or work remotely, plan stays around slower weekend crowds or seasonal events to keep costs manageable. Tip: set a monthly apartment search window, track your expenses, and build a buffer for seasonal shifts.
How expensive is daily life in Lomza?
Everyday life in Lomza is moderately priced at about $1,568 per month, rent included. Groceries and transport stay reasonable, though dining out and entertainment can feel a bit pricier than in budget destinations.
How much does it cost to live in Lomza per month?
Plan for roughly $1,568 a month in Lomza if you're renting, or around $721 for non-housing expenses. That covers one person's basics: food, bills, getting around, and a modest social life. Couples and families will need more, especially for housing and childcare.
How much should you earn to live well in Lomza?
Earning $2,353 monthly in Lomza means you're living well – a one-bedroom, regular groceries, transport, and some entertainment without stress. That's the threshold where most residents feel genuinely comfortable rather than just getting by.
What is the price of renting a flat in Lomza?
Rents for a 1-bedroom flat in Lomza range from $517 to $644, depending on location and condition. Central apartments sit at the top of that range; outer neighborhoods and suburbs deliver noticeably better value per square meter.
What does commuting cost in Lomza?
A monthly transit pass in Lomza goes for roughly $31.31, which is one of the lighter items on a monthly budget. Coverage across residential and business areas is solid, and most residents without a car rely on it daily.
What are kindergarten prices in Lomza?
Childcare averages $543 monthly at a private kindergarten in Lomza. For many families, this single cost rivals rent, so it's essential to factor in before making a move.
Is $1,500 a month enough for Lomza?
Living on $1,500 in Lomza means careful planning, since monthly costs average $1,568. It works with a cheap apartment and disciplined spending, but expect trade-offs on where you live, how often you eat out, and entertainment.
What is quality of life like in Lomza?
Living in Lomza means access to fast internet, low crime rates, vibrant nightlife at about $1,568 per month including rent. It works for a wide range of budgets, and most residents find the lifestyle-to-cost balance appealing. Your experience will depend on priorities like climate, culture, and career.
Is it possible to save on a local salary in Lomza?
Monthly expenses in Lomza run around $1,568, so putting money aside takes more than $2,353 in income. Keeping housing costs low and avoiding lifestyle creep are the keys to building a decent savings rate here.

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