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Cost of Living in Warsaw, Poland

Prices in Warsaw

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IndexInfo
Consumer Price Index (Excl.Rent): 59.16
Rent Index: 24.63
Groceries Index: 50.01
Restaurants Index: 51.93
Consumer Price Plus Rent Index: 42.45
Local Purchasing Power: 62.62

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Restaurants [Edit] Avg.
Range
Meal, Inexpensive Restaurant 20.00 zł
18.00
25.00
Meal for 2, Mid-range Restaurant, Three-course 120.00 zł
90.00
140.00
Combo Meal at McDonalds or Similar 17.00 zł
15.00
20.00
Domestic Beer (0.5 liter draught) 8.00 zł
7.00
10.00
Imported Beer (0.33 liter bottle) 8.00 zł
5.00
10.00
Cappuccino (regular) 8.22 zł
7.00
10.00
Coke/Pepsi (0.33 liter bottle) 3.76 zł
2.50
5.00
Water (0.33 liter bottle) 2.66 zł
1.60
4.00
Markets [Edit] Avg.
Milk (regular), (1 liter) 2.76 zł
2.50
3.00
Loaf of Fresh White Bread (500g) 2.92 zł
2.50
3.50
Rice (white), (1kg) 3.78 zł
3.00
6.00
Eggs (12) 8.19 zł
7.00
10.00
Local Cheese (1kg) 24.20 zł
20.96
28.00
Chicken Breasts (Boneless, Skinless), (1kg) 17.34 zł
15.00
20.00
Apples (1kg) 3.50 zł
2.89
4.00
Oranges (1kg) 4.88 zł
4.00
6.00
Tomato (1kg) 4.92 zł
4.00
6.00
Potato (1kg) 2.36 zł
2.00
3.00
Lettuce (1 head) 2.73 zł
2.00
3.00
Water (1.5 liter bottle) 2.06 zł
2.00
2.50
Bottle of Wine (Mid-Range) 25.00 zł
20.00
30.00
Domestic Beer (0.5 liter bottle) 3.11 zł
3.00
3.50
Imported Beer (0.33 liter bottle) 4.41 zł
4.00
5.00
Pack of Cigarettes (Marlboro) 13.00 zł
12.00
14.00
Transportation [Edit] Avg.
One-way Ticket (Local Transport) 4.40 zł
3.60
4.40
Monthly Pass (Regular Price) 100.00 zł
90.00
100.00
Taxi Start (Normal Tariff) 8.00 zł
6.00
8.00
Taxi 1km (Normal Tariff) 2.40 zł
2.00
2.80
Taxi 1hour Waiting (Normal Tariff) 40.00 zł
40.00
40.00
Gasoline (1 liter) 5.66 zł
5.50
5.80
Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car) 66,000.00 zł
60,000.00
70,000.00
Utilities (Monthly) [Edit] Avg.
Basic (Electricity, Heating, Water, Garbage) for 85m2 Apartment 516.89 zł
356.33
722.50
1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans) 0.29 zł
0.20
0.30
Internet (6 Mbps, Unlimited Data, Cable/ADSL) 51.14 zł
40.00
60.68
Sports And Leisure [Edit] Avg.
Fitness Club, Monthly Fee for 1 Adult 141.55 zł
120.00
160.00
Tennis Court Rent (1 Hour on Weekend) 46.85 zł
40.00
60.00
Cinema, International Release, 1 Seat 25.00 zł
22.00
29.00
Clothing And Shoes [Edit] Avg.
1 Pair of Jeans (Levis 501 Or Similar) 283.03 zł
249.00
300.00
1 Summer Dress in a Chain Store (Zara, H&M, ...) 163.82 zł
130.00
200.00
1 Pair of Nike Shoes 285.07 zł
250.00
300.00
1 Pair of Men Leather Shoes 299.35 zł
250.00
364.06
Rent Per Month [Edit] Avg.
Apartment (1 bedroom) in City Centre 1,867.51 zł
1,600.00
2,000.00
Apartment (1 bedroom) Outside of Centre 1,446.94 zł
1,200.00
1,600.00
Apartment (3 bedrooms) in City Centre 3,515.00 zł
3,000.00
4,000.00
Apartment (3 bedrooms) Outside of Centre 2,598.72 zł
2,200.00
3,000.00
Buy Apartment Price [Edit] Avg.
Price per Square Meter to Buy Apartment in City Centre 10,354.26 zł
9,000.00
12,000.00
Price per Square Meter to Buy Apartment Outside of Centre 6,826.97 zł
6,000.00
7,500.00
Salaries And Financing [Edit] Avg.
Average Monthly Disposable Salary (After Tax) 3,539.79 zł
2,800.00
4,100.00
Mortgage Interest Rate in Percentages (%), Yearly 5.80
4.90
7.00

These data are based on 4800 entries in the past 18 months from 389 different contributors.

Last update: April, 2014

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44 Comments so far

#Prashant on Apr 17, 2014 :
Hi, I am planning to move with my family, wife and 2 kids to warsaw. I ll be getting 8000 salary. Will that be enough with private schooling for the kids.
#Dan on Apr 14, 2014 :
Near my place i've got Pepsi only for 2 PLN!
#Kira on Apr 01, 2014 :
My husband is currently away in Warsaw and is making 2000 pln a month. He tries to save money by not eating out very much, but he also told me about how expensive grocery shopping is for him and how it is very hard to make food last. Are there any discount grocery stores around or even food banks? Tips on shopping on a budget would be helpful too. Thanks so much.
#zaka on Mar 18, 2014 :
I been in Warsaw 2 times is beautiful city I will move there but how is salarys in supermarkets in Warsaw Bcos I'm from barcelona i work in supermarket I earn good salary 3000 euro monthly so I don't know how is there ? I need more information about this plz thanks.
#warsawer on Mar 17, 2014 :
@zaka
it depends a lot of neighbourhood obviously, as everywhere in the world. Additionally, also it depends on building, as about 60-70% of flats here in Warsaw are "plattenbau" plate-blocks(you can google what it is). Everything what is not plate-block, is +10 or 15% of average price in particular area.
1 room flats are usually about 30m2, not more. Over 40m2 1-room studio flats does not exist here at all, you can met them very rarely.
Considering 1EUR is 4PLN, prices for such flat (~30m2) are from 50K euro in the areas far from city center and about 75K euro in the city center. I am saying of course about this plate-blocks' flats.
You can also look for some new-built flats, which are mostly around the city-borders. If the block is still under construction, you can buy it even cheaper as in old-plates block. But please consider, that comparing to the western European cities, public transport here is quite poor. There is only one subway-line, second is under construction. Most of the districts are not connected with center by subway at all - you can rely only on buses or trams. From some of the districts, altough they are in the city (like Bialoleka or Wawer) to get the office in the morning can take even about 1.5 hour.
#warsawer on Mar 17, 2014 :
Utilities price is very very wrong. Standard utilities is about 10PLN per squaremeter + separately electricity and sometimes also water. For 85m2 flat it is about 800-1000PLN for sure. in flats within new (what does not necessarly means they are fancy) neigbourhoods with own reception/security + underground garage can be even up to 1500 PLN for 85m2.
Current price provided (85m2 = 550PLN) you wont meet anywhere in Poland's top-4-cities I guess, maybe in small towns, for such big flat (it is a really huge flat in meaning for local standards, average family has 2 rooms means 1 bedroom for 3-persons family - about 50m2 maximum).
Additionally, usually not a lot goes within this payment. You can have standard cleaning of the floors inside the block + the pavements outside + some gardening jobs done in shared area, but not always, sometimes cleaning the particular floor is up to it's inhabitants.
#zaka on Mar 16, 2014 :
Hi all friends. I want buy apartment with one room in Warsaw outside how much cost?
##David on Mar 14, 2014 :
hi there im looking forward to come to poland.what are the prospects for me there in poland
#kate on Mar 07, 2014 :
hey guys! I'm looking to go to SGGW next year!! does anyone have any advice on what I should expect when I go there? any unexpected costs that i should prepare for?
#Ravi on Feb 20, 2014 :
Hi Guys,

I am an Indian and recently received an offer from a company in warsaw of 1200Eur( take home ) per month. Accomodation is company provided and free. How good is the offer? I love to cook my own food.

Thanks,
Ravi
#takietam on Feb 14, 2014 :
Tomasz wrote that "For really decent living in Warsaw (renting an apartment in city cenre, lunch at the restaurant, nice savings every month), 8000 PLN gross is enough - it will make ~5500 PLN net."
hmm I would disagree with that.
Medium standard appartment about 40m2 in city is about 2000 PLN, and costs of monthly bills (citycard, contract-mobile phone, internet connection, TV) is about 500 PLN total. So 2500 (almost a half what Tomasz mentioned) can be spend on just living without food. Food in restaurants, as he mentioned, is about 30 PLN per day, so about 1000 PLN for dinners/launches only.
Dont get me wrong, I am not saying that 5500 PLN net is low salary. It gives quite ok living there, but I think not the way you ve mentioned "with nice savings". After all the costs it will end up with about 1000 PLN savings per month, what cannont be seen as nice (it is about 200-250 euro depends on exchange rate).
5500 PLN (~1300 eur) in Warsaw is like 1800 eur in some Western-European city, excluding top-cities (London, Paris, Munich).
#pyciek on Jan 21, 2014 :
Alex, survival at 3000 PLN per month if you prefer to cook by your own is possible. All depends of your ecpectations of standard of living, going to cinemas, shopping etc.. If you look for a small flat near UW, maybe I could be of help. pyciek@autograf.pl
#Alex s on Jan 21, 2014 :
Hello, folks!
I am planning to come to Warsaw with my girlfriend. She will be studying at University of Warsaw.

We need a small flat 25m-35m(preferably walking distance from the university). We don't go out much and love to cook our own food. We are both young and we are careful with money.

Will we be able to survive at 3000 zloty per month?

Thanks!!
#ivan on Dec 16, 2013 :
hi guys. negotiating a deal with a polish company. net income would be ca.10K
have to feed 2. wife not working, so on top of the listed expenses goes "wife allowance" :)

rent is dodgy. all the website are giving decent standard flat (50-60m) not cheaer than 3000 pln.
how about a proper fitness? anyone tried? whats the cost?

Exapts: how many private flghts hoe per year do you normally have in the contract? paid by Company obviously. thanks
#Anonymous on Dec 03, 2013 :
Any Indians around?
#Peter on Nov 14, 2013 :
This stats ar not accurate. median net wage in Warsaw is 4300 PLN net ~ 1250 eur
#Andrew Jablonsky on Nov 08, 2013 :
I was recently searching for a rental apartments in Warsaw.
Rental offers on polish websites are mostly unavailable and everything is in Polish.
My friend recommended to my on professional Real Estate Agent from Warsaw.
He picked me out from the airport and within 2 days we find the good standard apartment in Central Warsaw.
The Agent was helpful and experienced. He even helped me with accommodation and installation of the Internet.
They have an office in Warsaw at Powiśle.
I find them on http://prestige-real-estate-warsaw.pl or www.nprestige.pl
AJ
#Andrew Goodworth on Oct 20, 2013 :
I recently was looking for renting the apartment is Warsaw.
There is really a few agencies with big experience in Rental Market and the agents are not well qualified.
I find one agency with great experience and the Agents speaks English fluently.
The agent recommended to me some rental offers and organized the viewings.
He knew exactly what I wanted so we were visiting good standard apartments located in new buildings with the 24h security.
I choose one offer and I am living in this apartment for 2 years and I am very happy.
The Real Estate Agency prepared everything for me : The Rental Contract Drafts, The protocol of acceptance, they checked the Mortgage Register, they photographed the whole premise etc.
They even helped me with the registration and installation of the internet in the apartment.
I can really recommend them to all foreigners that are looking for the rental apartment in Warsaw. their website is www.nprestige.pl
#Lumi on Sep 28, 2013 :
Hi all

I will move in Warsaw,with net income ~7000 PLN ,maybe a bit more.
I need to know about apartment with 1 bedroom,to rent in a decent area;i heard about Mokotov,,,,any other sugestion? What about Bemowo? is too far from center?
thanks:)
#Tomasz on Aug 15, 2013 :
@ #Prakhar on Jul 18, 2013///

Business Analysts monthly salary in Warsaw on entry-level are about 5000-6000 PLN in Big4 consulting. In Top-tier banking, entry level may reach 4000 PLN. Values up to 16000 PLN are offered by McKinsey and Bain consultancies.

Usually, managerial salary at the bank starts with 12000 - 14000 PLN in business area. IT is different, usually the salaries are better.

For really decent living in Warsaw (renting an apartment in city cenre, lunch at the restaurant, nice savings every month), 8000 PLN gross is enough - it will make ~5500 PLN net. Anything above would be superb - please note that prices for electronics, cosmetics, fashion, vacation are pretty the same as in e.g. Germany, where ~1300 EUR net does not look that tempting.
#Dev on Aug 07, 2013 :
as Erik and Seb confirmed that 12k gross is good to live decently.
lets go into more detailed level


there are 3 deductions:
1 tax
2. social security
3. Składka na ub. zdrow (is this insurance or healthcare ?)
any other deduction ?

how the salary breakup looks like?
I got 12k gross + healthcare / insurance + pension
so gross is still 12k or more ?
#Serious_Dev on Aug 01, 2013 :
Hello All,

I am planning to shift to Warsaw with my wife and a kid(less than 1 year) from India. Can anyone tell me what will be my month expenses in EURO including everything (Rent + Other expenses) . I have received a annual pay package of 50K Euro. How much is the tax and insurance deducted from this amount.

Thanks.
#Jurek on Jul 28, 2013 :
I have to fully agree with Georgios. Living in the same location, Bemowo, district of Warsaw I have spent 1000e per month for 3 persons in 65 m2 apartment. I can help anyone planing to move here to find an apartment and so. koniczek@pro.onet.pl
#Georgios on Jul 27, 2013 :
I just arrived in Warsaw. A family of 4, we rent a 2 bedroom flat in Bemowo, a nice area of Warsaw, in a security guarded bloc, less than 15 years old and in a distance of 500 meters we have everything: tram and bus stops, school, swimming pool, sports hall, skating, shopping center, cinema, go-carts, one of the biggest playgrounds in Europe. We pay 2300pln and the price include everything (garage space also) but electricity. From what I see up to know, a net family income of 7000pln is enough to live a decent life, if you don't need private schooling.
#lokesh on Jul 25, 2013 :
guys, i got job offer in warsaw, am an indian, thy offered me 80000 rs(indian currency ) per month. is dat enough salary to survive there. pls help me out.
#Prakhar on Jul 18, 2013 :
Hello All,

I have been offered the job of a Business Analyst for a Tier-1 Bank(IT) in Warsaw. I'm currently living in London and earning a good salary.

During my initial discussion with the Manager of the Bank, I have been informed that the salary offered in Poland is much less than that in a country like UK.

I work in anti-money laundering domain/Banking with an experience of 5.5 years. Can some one please suggest me what is a good enough salary for my profile. I have visited many websites to check out salary structure and am very confused; as few websites tell BA salary as somewhere around 6000-8000PLN and some state it as high as 16000PLN.

Appreciate if someone can guide me on this.
#Matt on Jun 03, 2013 :
I think rents are more than people are indicating. At least 2500pln for a 60m flat in a decent but outlying district like Ursynow - often these areas are nice but residential with little atmosphere. If you want to live within 3 miles of the city in a modern, decent apartment in an area where you can walk to a decent lively restaurant or cafe and with a decent view i.e. not of the block next to you you need to budget 3000 - 4000 for 60m-65m. 3000 is not what I'd consider as expensive. It's an average rent a professional expat with a mid-level management job would expect to pay. 4000 will get you a nice modern place near the centre and near a nice park. 5000 would get you a luxury 60m flat.
#Erik on Oct 11, 2012 :
That makes a lot of sense Seb, I certainly wasn't considering any other mouths to feed but my own, which is good to highlight.
#Seb on Oct 04, 2012 :
Thank you Erik for your input.

Just to make an update regarding my comment: range 10-12k pln gross is for family (assumptions: wife has not got a job and there are children). If you are single, Erik's range is fine and I completely agree with him.
#Erik on Sep 27, 2012 :
To add to that and be fair, Seb is absolutely right that private healthcare is mandatory for foreigners and it's a cost that I didn't factor in.

Assuming you are coming to Warsaw to work though, that's something you should expect to negotiate as a separate benefit with your employer with little problem.

(where I work it's actually a standard benefit for all employees, including Poles!)
#Erik on Sep 27, 2012 :
To me a lot of people seem to be either too excessive or too conservative here.

I've lived in Warsaw for about 5 years (as an expat) at an international company where we employ mostly Poles but also other foreigners.

I would say you can live a pretty reasonable life starting from 5000 PLN gross onwards (i.e. apartment within city limits in a decent district, normal groceries, going out once a week to a normal restaurant, have the occaisional drinks at a bar)

I'd expect anyone to be able to live fairly comfortable in the 6000 to 8000 PLN gross range.

If you want to live in relative luxury and go out to a restaurant every other day then you will need more in the area of 10000-12000 PLN. But certainly that's not a minimum to live a reasonable life, of course depending on your standards of what that entails.

Apartments start from about 1600 PLN to about 2000 PLN for something reasonable, 2000-2500 PLN for something I'd consider quite nice. If you are spending 2500-3000 PLN a month then that's an expensive aparment and I'd expect it to be big, modern and luxurious. This would be in a good district like Mokotów or Ursynów.

Honestly, if you are spending more than 3000 PLN a month you are either getting ripped off or looking to have a big high end apparment somewhere downtown. Not an unreasonable desire to have perhaps, but it's far from the minimum to live a decent life in my perception.

You can easily find restaurants where you can have a main course with 1 or 2 drinks for about 40 PLN a person. Of course, you can go much higher depending on the place. It all depends on your personal standards and needs. I'd say though that you can have a really nice meal with two persons (starter, main course, bottle of wine) easily for 200 PLN or a bit less. Or a lot more, but it just depends where you go...
#Seb on Sep 22, 2012 :
Meal in restaurant = soup + salad + glass of wine + main dish + dessert.
It is about 180-250 pln in mid restaurant for two. There are more expensive places as well as cheaper.
For flat renting prices you can use szybko.pl website. Foreigners may be cheated on fair rent prices. 'apartament' is generally considered as a lux apartment, 'mieszkanie' (apartment) is something that foreigners should look for renting.
For normal living your salary should be minimum 10000-12000pln gross. Poles may argue but they are not used to normal living and are satisfied with low quality and cheap substitutes (it is common to drive very old cheap cars, to have no private insurance, there is no saving culture, no postgraduate education culture, etc). Education is generally free.
Privite healthcare is a must for foreigners.
#Piotrek on Sep 21, 2012 :
Guys, I think many people misunderstand the ranking. It states WARSAW not POLAND as a whole. The prices are meant to be from Warsaw not from village 100km away.
#Adam on Jul 04, 2012 :
If you are renting the penthouse in Warsaw the price would be high as capital cities always earns on buisness people (same everywhere). 1600 Euro\month is a price for which I can easily find a house to rent!

I do not know what sort of food have you ordered for 250-300 PLN, but again, if you are choosing something expensive why do you complain about the price? There are many restaurants where you can have a good meal for two people for not more than 20 to 30 Euro.

I leave and work in Warsaw since 2007 and I truly don't know how you came with those prices? I am travelling to Netherlands a lot and when seeing those I feel like you are describing Amsterdam.
#Piotr on Jul 03, 2012 :
almost all written below is untrue . 3 bedromm apartament in warsaw cost 600-800 eur city center
#Michael Dabrowski on May 22, 2012 :
In leaving Valparaiso, Indiana, U.S.A. to move to a furnished apartment, with one bedroom, living and kitchen, and everything furnished, cable, phone, and all utillites, included, near down town Warsaw, Poland. What can I plan on paying for a long stay, per month in American money. Please advise. What problems could I look for? Do you think I could make this move, and love it?

Valpomike
#Mladen on Mar 06, 2012 :
There are apartments much cheaper than 1200usd per month.
#Mike on Mar 06, 2012 :
I lived in Warsaw and apartment cost 1200 dolars, and per mounth you need 2000us dolars as minimum.

Mike
#Juan on Feb 19, 2012 :
Warszawa restaurantes are expensive, a meal for two persons will cost 70-100euros.

Warsawa is a expensive city.
#Juan on Feb 19, 2012 :
2 rooms flats in nice place cost 1000euros minimum.

Juan
#Piotrek on Dec 22, 2011 :
Waht an idiot put a price of Marlboro as 13.67 PLN - the price is printed on the box 11.80 and is permanent and static.
#Jarek on Dec 15, 2011 :
Internet price is fine - I pay 65 zl = ~15 EUR for 5 mbit
#Nathan on Nov 16, 2011 :
Internet prices appear to be more expensive than they actually are. A friend of mine lives in Warsaw and is paying 15 USD for 15MBps speeds.
#james on Aug 02, 2011 :
Rents for 3 bedroom apartment outside city centre 3 bedroom is about 1,600 euro per month

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