Last update: Oct 2026 Poland 62.7K

Cost of Living in Lomza

For one person, living costs in Lomza are estimated at $1,483 a month, including rent and utilities, which take more than half of the total. Other living expenses average about $22 a day.

Monthly Cost of Living

How much you'll spend in Lomza

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

Living costs for one person come to about $1,483 monthly including rent, or $671 excluding housing.

$1,483 /mo

Estimated monthly costs for a couple: $2,144 with rent, or $1,175 without housing.

$2,144 /mo

Monthly costs for a family of three come to about $2,805 including rent, or $1,680 for daily expenses alone.

$2,805 /mo

Lomza sits 1–10% above the global median across household types. Within Europe, costs are 15% below average – relatively affordable for the region.

Currency
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🍽 Eating Out
Cost
Range
Meal at Budget Restaurant
$9.52 zł 37.00
$7.51 zł 29.19
$15.04 zł 58.4
Three-Course Dinner for Two, Mid-Range
$46.51 zł 181
$40.89 zł 159
$76.7 zł 298
Fast Food Meal (McDonalds, etc)
$9.00 zł 34.98
$7.19 zł 27.95
$9.25 zł 35.96
Cappuccino
$3.66 zł 14.22
$3.14 zł 12.18
$3.93 zł 15.26
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.64 zł 10.25
$2.48 zł 9.64
$3.23 zł 12.57
Water (0.33 liter bottle)
$2.76 zł 10.73
$2.59 zł 10.06
$3.11 zł 12.08
Local Beer (0.5 liter draught)
$4.71 zł 18.28
$3.40 zł 13.21
$5.23 zł 20.32
Imported Beer (0.33 liter bottle)
$5.05 zł 19.61
$3.79 zł 14.71
$6.31 zł 24.50
🛒 Groceries & Markets
Cost
Range
Milk (1 liter)
$1.03 zł 3.98
$0.92 zł 3.58
$1.06 zł 4.11
White Bread (500g)
$1.07 zł 4.15
$0.65 zł 2.54
$2.26 zł 8.80
Rice (white) (1kg)
$1.39 zł 5.39
$0.91 zł 3.53
$2.59 zł 10.07
Eggs
$3.42 zł 13.29
$2.08 zł 8.07
$4.04 zł 15.71
Local Cheese (1kg)
$10.65 zł 41.39
$7.17 zł 27.85
$23.06 zł 89.6
Chicken Fillets (1kg)
$6.81 zł 26.44
$4.78 zł 18.57
$9.31 zł 36.17
Beef Round Steak (1kg)
$11.64 zł 45.24
$10.14 zł 39.40
$17.23 zł 67.0
Apples (1kg)
$1.18 zł 4.60
$1.04 zł 4.05
$1.56 zł 6.07
Banana (1kg)
$1.61 zł 6.27
$1.25 zł 4.85
$2.50 zł 9.71
Oranges (1kg)
$2.36 zł 9.15
$1.54 zł 5.98
$5.12 zł 19.91
Tomato (1kg)
$3.00 zł 11.66
$2.10 zł 8.14
$3.93 zł 15.25
Potato (1kg)
$0.79 zł 3.06
$0.50 zł 1.92
$0.99 zł 3.85
Onion (1kg)
$0.88 zł 3.42
$0.74 zł 2.89
$1.24 zł 4.83
Lettuce (1 head)
$1.38 zł 5.34
$1.03 zł 4.01
$1.80 zł 6.99
Water (1.5 liter bottle)
$0.59 zł 2.28
$0.36 zł 1.42
$0.73 zł 2.83
Cigarettes 20 Pack (Marlboro, Camel)
$5.82 zł 22.63
$5.38 zł 20.89
$6.98 zł 27.13
Wine (Bottle)
$6.66 zł 25.88
$5.12 zł 19.90
$11.52 zł 44.77
Local Beer (0.5 liter bottle)
$1.10 zł 4.29
$0.74 zł 2.88
$1.49 zł 5.80
Imported Beer (0.33 liter bottle)
$1.68 zł 6.51
$1.49 zł 5.79
$2.23 zł 8.67
🚌 Getting Around
Cost
Range
One-way Ticket (Public Transport)
$1.12 zł 4.34
$1.07 zł 4.14
$1.22 zł 4.75
Public Transport Monthly Pass (Regular Price)
$29.42 zł 114
$24.73 zł 96.1
$29.66 zł 115
Taxi Start (Normal Tariff)
$1.59 zł 6.17
$1.59 zł 6.17
$2.60 zł 10.11
Taxi (Normal Tariff) (1km)
$0.59 zł 2.28
$0.59 zł 2.28
$1.33 zł 5.16
Taxi 1hour Waiting (Normal Tariff)
$9.37 zł 36.39
$9.11 zł 35.40
$12.49 zł 48.51
Gasoline (1 liter)
$1.60 zł 6.23
$1.48 zł 5.74
$1.98 zł 7.67
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$30.1K zł 116.8K
$30.1K zł 116.8K
$30.5K zł 118.4K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$26.9K zł 104.6K
$25.3K zł 98.3K
$28.9K zł 112.2K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$316 zł 1,227
$257 zł 1,000
$404 zł 1,569
SIM Card Monthly Plan (Calls and 10GB+ Data)
$8.65 zł 33.59
$6.44 zł 25.02
$12.88 zł 50.0
Internet (50+ Mbps, Unlimited Data)
$17.11 zł 66.5
$13.94 zł 54.2
$21.55 zł 83.7
🎉 Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$32.54 zł 126
$23.88 zł 92.8
$39.07 zł 152
Tennis Court (1 Hour on Weekend)
$23.27 zł 90.4
$12.20 zł 47.41
$23.27 zł 90.4
Cinema Ticket
$8.12 zł 31.54
$6.54 zł 25.43
$9.43 zł 36.62
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$509 zł 1,978
$355 zł 1,381
$803 zł 3,120
International Primary School, 1 Child (Yearly)
$10.3K zł 40.1K
$3,563 zł 13.8K
$16.1K zł 62.6K
👕👟 Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$74.7 zł 290
$38.91 zł 151
$84.6 zł 329
Summer Dress (H&M, Zara, etc)
$40.74 zł 158
$38.69 zł 150
$43.85 zł 170
Sport Shoes (Adidas, Nike)
$90.1 zł 350
$64.5 zł 251
$108 zł 421
Men's Leather Business Shoes
$95.7 zł 372
$63.2 zł 245
$101 zł 393
🏠 Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center (Monthly)
$608 zł 2,363
$499 zł 1,937
$665 zł 2,583
1-bedroom Apartment, Outside City Center (Monthly)
$496 zł 1,927
$399 zł 1,551
$586 zł 2,279
3-bedroom Apartment, City Center (Monthly)
$969 zł 3,766
$750 zł 2,915
$1,126 zł 4,373
3-bedroom Apartment, Outside City Center (Monthly)
$809 zł 3,142
$628 zł 2,442
$915 zł 3,555
Buy Apartment in City Center (m2)
$2,957 zł 11.5K
$2,267 zł 8,806
$3,367 zł 13.1K
Buy Apartment Outside City Center (m2)
$2,539 zł 9,864
$2,176 zł 8,454
$2,878 zł 11.2K
💵 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: October 11, 2026

Monthly budget structure
Share of the monthly basket for one person, rent included.
Lomza $1,483
Accommodation & Living
$496
Monthly Utilities & Internet
$342
Groceries & Markets
$220
Eating Out
$202
Clothing & Footwear
$136
Sport & Entertainment
$49
Getting Around
$38

Cost Breakdown

Expect to spend about $220 monthly on groceries. Dining out at a mid-range restaurant costs roughly $47.00 for two – well below the European average of $73.0.

Public transport is priced at around $29.42 per month – among the cheapest in Europe (average $49.00).

Cost Highlights

Milk is cheaper than 92% of cities in Europe

Lomza is cheaper than 51% of cities worldwide and 66% within Europe.

Good to know
🕒 Local time
23:59 11:59 PM
🌤 Weather
👥 Population
62,711
💱 Currency
Exchange rates and currency converter

USD, EUR to PLN – Polish Złoty Converter

Polish Złoty exchange rates as of October 19, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

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Lomza Median Internet Speeds (Updated April 2026)

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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 $1,483 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 $1,483 a month in Lomza if you're renting, or around $671 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 $2,224 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 $496 to $608, 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 $29.42, 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 $509 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 $1,483. 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 $1,483 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 $1,483, so putting money aside takes more than $2,224 in income. Keeping housing costs low and avoiding lifestyle creep are the keys to building a decent savings rate here.

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