Last update: Oct 2026 Poland 38.7K

Cost of Living in Swinoujscie

For one person, living costs in Swinoujscie are estimated at $1,422 a month, including rent and utilities, which take more than half of the total. Other living expenses average about $21 a day.

Monthly Cost of Living

How much you'll spend in Swinoujscie

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

Living costs for one person come to about $1,422 monthly including rent, or $647 excluding housing.

$1,422 /mo

Estimated monthly costs for a couple: $2,060 with rent, or $1,126 without housing.

$2,060 /mo

Monthly costs for a family of three come to about $2,699 including rent, or $1,604 for daily expenses alone.

$2,699 /mo

Swinoujscie sits 1–5% above the global median across household types. Within Europe, costs are 19% below average – relatively affordable for the region.

Currency
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🍽 Eating Out
Cost
Range
Meal at Budget Restaurant
$10.06 zł 39.08
$7.73 zł 30.03
$16.63 zł 64.6
Three-Course Dinner for Two, Mid-Range
$41.18 zł 160
$34.94 zł 136
$74.9 zł 291
Fast Food Meal (McDonalds, etc)
$8.95 zł 34.76
$7.54 zł 29.30
$10.22 zł 39.71
Cappuccino
$3.34 zł 12.97
$1.99 zł 7.71
$4.58 zł 17.81
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.09 zł 8.13
$1.26 zł 4.89
$3.03 zł 11.75
Water (0.33 liter bottle)
$1.60 zł 6.20
$1.24 zł 4.80
$2.73 zł 10.59
Local Beer (0.5 liter draught)
$3.54 zł 13.76
$2.53 zł 9.82
$4.56 zł 17.71
Imported Beer (0.33 liter bottle)
$3.76 zł 14.62
$3.01 zł 11.68
$5.02 zł 19.48
🛒 Groceries & Markets
Cost
Range
Milk (1 liter)
$0.92 zł 3.59
$0.72 zł 2.81
$1.21 zł 4.70
White Bread (500g)
$1.49 zł 5.80
$1.24 zł 4.82
$1.74 zł 6.75
Rice (white) (1kg)
$0.80 zł 3.10
$0.80 zł 3.10
$0.80 zł 3.10
Eggs
$2.95 zł 11.46
$2.80 zł 10.86
$3.10 zł 12.05
Local Cheese (1kg)
$8.67 zł 33.67
$6.19 zł 24.03
$11.14 zł 43.26
Chicken Fillets (1kg)
$6.34 zł 24.62
$4.54 zł 17.65
$9.33 zł 36.26
Beef Round Steak (1kg)
$11.91 zł 46.29
$7.66 zł 29.75
$17.62 zł 68.5
Apples (1kg)
$1.16 zł 4.52
$0.77 zł 2.99
$1.55 zł 6.02
Banana (1kg)
$1.29 zł 5.00
$0.77 zł 2.99
$1.80 zł 7.00
Oranges (1kg)
$1.36 zł 5.30
$0.99 zł 3.86
$1.73 zł 6.74
Tomato (1kg)
$2.24 zł 8.71
$2.00 zł 7.76
$2.49 zł 9.66
Potato (1kg)
$0.67 zł 2.59
$0.53 zł 2.06
$0.79 zł 3.07
Onion (1kg)
$0.86 zł 3.35
$0.49 zł 1.92
$1.23 zł 4.78
Lettuce (1 head)
$1.25 zł 4.85
$0.87 zł 3.40
$1.75 zł 6.79
Water (1.5 liter bottle)
$0.68 zł 2.65
$0.45 zł 1.75
$1.00 zł 3.87
Cigarettes 20 Pack (Marlboro, Camel)
$5.35 zł 20.78
$4.79 zł 18.61
$6.47 zł 25.13
Wine (Bottle)
$6.53 zł 25.36
$5.02 zł 19.50
$10.04 zł 38.99
Local Beer (0.5 liter bottle)
$1.13 zł 4.41
$0.78 zł 3.02
$1.56 zł 6.08
Imported Beer (0.33 liter bottle)
$1.55 zł 6.03
$1.29 zł 5.00
$2.32 zł 9.02
🚌 Getting Around
Cost
Range
One-way Ticket (Public Transport)
$1.08 zł 4.19
$1.03 zł 4.00
$1.18 zł 4.59
Public Transport Monthly Pass (Regular Price)
$29.88 zł 116
$25.11 zł 97.6
$30.12 zł 117
Taxi Start (Normal Tariff)
$2.01 zł 7.81
$1.75 zł 6.81
$3.00 zł 11.67
Taxi (Normal Tariff) (1km)
$0.74 zł 2.89
$0.74 zł 2.89
$1.24 zł 4.83
Taxi 1hour Waiting (Normal Tariff)
$10.00 zł 38.85
$9.24 zł 35.91
$11.99 zł 46.59
Gasoline (1 liter)
$1.67 zł 6.48
$1.55 zł 6.04
$2.08 zł 8.07
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$30.5K zł 118.6K
$30.5K zł 118.6K
$30.9K zł 120.2K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$27.2K zł 105.7K
$25.4K zł 98.6K
$29.2K zł 113.3K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$278 zł 1,081
$203 zł 790
$439 zł 1,707
SIM Card Monthly Plan (Calls and 10GB+ Data)
$8.77 zł 34.06
$6.47 zł 25.13
$14.23 zł 55.3
Internet (50+ Mbps, Unlimited Data)
$16.95 zł 65.8
$12.55 zł 48.77
$22.60 zł 87.8
🎉 Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$38.66 zł 150
$28.36 zł 110
$46.41 zł 180
Tennis Court (1 Hour on Weekend)
$21.90 zł 85.1
$11.48 zł 44.61
$21.90 zł 85.1
Cinema Ticket
$7.39 zł 28.72
$6.48 zł 25.19
$10.38 zł 40.33
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$364 zł 1,416
$253 zł 982
$651 zł 2,529
International Primary School, 1 Child (Yearly)
$7,923 zł 30.8K
$5,041 zł 19.6K
$12.1K zł 47.0K
👕👟 Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$81.8 zł 318
$38.36 zł 149
$128 zł 497
Summer Dress (H&M, Zara, etc)
$37.27 zł 145
$25.03 zł 97.3
$50.3 zł 195
Sport Shoes (Adidas, Nike)
$89.4 zł 347
$64.4 zł 250
$112 zł 436
Men's Leather Business Shoes
$101 zł 393
$64.0 zł 249
$128 zł 497
🏠 Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center (Monthly)
$608 zł 2,360
$498 zł 1,935
$664 zł 2,580
1-bedroom Apartment, Outside City Center (Monthly)
$496 zł 1,927
$399 zł 1,551
$586 zł 2,278
3-bedroom Apartment, City Center (Monthly)
$979 zł 3,803
$758 zł 2,944
$1,137 zł 4,416
3-bedroom Apartment, Outside City Center (Monthly)
$817 zł 3,173
$635 zł 2,465
$924 zł 3,590
Buy Apartment in City Center (m2)
$2,096 zł 8,142
$1,143 zł 4,441
$3,048 zł 11.8K
Buy Apartment Outside City Center (m2)
$1,503 zł 5,840
$822 zł 3,194
$2,184 zł 8,485
💵 Salaries & Financials
Cost
Range
Average Monthly Net Salary (After Tax)
$1,766 zł 6,859
-
20-Year Fixed Mortgage Interest Rate (Annual %)
6.68
5.7
8

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

Last update: October 13, 2026

Monthly budget structure
Share of the monthly basket for one person, rent included.
Swinoujscie $1,422
Accommodation & Living
$496
Monthly Utilities & Internet
$304
Groceries & Markets
$202
Eating Out
$187
Clothing & Footwear
$139
Sport & Entertainment
$53
Getting Around
$40

Cost Breakdown

Expect to pay about $608 for a central one-bedroom, or $496 outside the center. At 34% of the average salary ($1,766), housing is the biggest financial pressure.

Average take-home pay sits at $1,766, while typical expenses reach $1,422. This leaves some room for savings, though a comfortable buffer starts closer to $2,132.

Expect to spend about $202 monthly on groceries. Dining out at a mid-range restaurant costs roughly $41.00 for two – well below the European average of $73.0.

Public transport is priced at around $29.88 per month – among the cheapest in Europe (average $49.00).

Cost Highlights

Rice is cheaper than 99% of cities in Europe

Milk is cheaper than 97% of cities in Europe

Good to know
🕒 Local time
10:51 10:51 AM
🌤 Weather
👥 Population
38,728
💱 Currency
Exchange rates and currency converter

USD, EUR to PLN – Polish Złoty Converter

Polish Złoty exchange rates as of October 20, 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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Swinoujscie Median Internet Speeds (Updated April 2026)

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Cost of Living in Swinoujscie - Frequently Asked Questions
How does Swinoujcie compare in terms of affordability for travelers, expats, and digital nomads, and who tends to find it a good value?
Compared to larger Polish cities or popular European hotspots, Swinoujcie offers a favorable balance of value and lifestyle for travelers, expats, and digital nomads. Cost of Living in Swinoujscie tends to be more approachable than big-city centers, with daily essentials and dining options that feel reasonable by coastal standards. Housing is the biggest swing factor: options near the harbor or the old town can be pricier than quieter neighborhoods a short ride away, and longer leases often unlock better terms. Seasonality nudges lodging and dining prices in peak months, yet shoulder seasons bring lighter crowds and more room to negotiate. Tip: map your must-haves – stable internet, a quiet workspace, and proximity to groceries – and pick a neighborhood that meets them while leaving room for weekend adventures.
What's daily life like for a newcomer navigating housing, food, transport, and errands in Swinoujscie?
Daily life centers on a walkable harbor area, with quieter neighborhoods inland. For housing, look at apartments near the center or promenade; short-term rentals are common in peak season, while longer leases reduce stress and offer stability. Food options mix markets, bakeries, and seafood spots; cooking at home helps control costs. Transport is flexible: bicycles are popular, buses cover town and nearby villages, and ferries link to the mainland and Usedom. For errands, most essentials are within a short ride or walk. Swinoujscie living cost fluctuates with the season, so plan ahead. Tip: find a coworking spot with reliable Wi-Fi and a quiet corner for focused work.
How would you frame the quality of life in Swinoujcie, and what practical budgeting tips help you save while enjoying the coast?
Quality of life here blends outdoor access with a compact, friendly downtown. You get easy beach days, parks, and a seasonal rhythm that shifts from lively summers to quieter winters. A simple budgeting approach pays attention to housing and utilities first, then allocates remaining funds to groceries, dining, and local transit. Save by cooking with local produce, shopping at markets, and using multi-use spaces such as libraries or coworking cafes during work hours. For neighborhood fit, choose a base with good transit links to the harbor while staying within a short walk to shops and green spaces. Tip: establish a balanced weekend plan that mixes exploration with rest.
What is the average cost of living in Swinoujscie in 2026?
As of 2026, monthly living costs in Swinoujscie come to around $1,422 including rent, or roughly $647 excluding it. Numbers shift a bit by season and neighborhood, but this range works well as a planning baseline.
Is Swinoujscie worth the cost of living?
At around $1,422 monthly all-in, Swinoujscie offers decent value. It's not the cheapest and not the priciest – a good fit for people who want city convenience without capital-level costs.
What is a good salary in Swinoujscie?
Earning $2,132 monthly in Swinoujscie 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.
How much does a 1-bedroom apartment cost in Swinoujscie?
Rents for a 1-bedroom flat in Swinoujscie 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.
How expensive is a gym membership in Swinoujscie?
A regular gym membership in Swinoujscie costs around $38.66 monthly. It's a reasonable expense that fits into most budgets, and you generally get decent facilities for the price.
What is a typical grocery budget in Swinoujscie?
Expect to spend around $202 per month on groceries in Swinoujscie. Neither cheap nor expensive by global standards – everyday items are fairly priced, though imported or specialty products cost more.
Can a person live on $1,000 monthly in Swinoujscie?
Living on $1,000 in Swinoujscie means careful planning, since monthly costs average $1,422. It works with a cheap apartment and disciplined spending, but expect trade-offs on where you live, how often you eat out, and entertainment.
Is Swinoujscie good for expats?
Expats in Swinoujscie enjoy low crime rates, vibrant nightlife, clean air, and monthly costs average around $1,422. The international crowd is active and welcoming, and practical stuff – bank accounts, apartment hunting, healthcare – is all manageable with some basic prep.
Can you save money living in Swinoujscie?
Monthly expenses in Swinoujscie run around $1,422, so putting money aside takes more than $2,132 in income. Keeping housing costs low and avoiding lifestyle creep are the keys to building a decent savings rate here.
Is Swinoujscie good for backpackers?
Budget travel in Swinoujscie works but takes effort. Hostels, street food, and local restaurants keep daily costs reasonable. All-in monthly expenses run about $1,422 for residents – backpackers can do less with some planning.

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