Cost of Living in Poland – Residential & Office Cost

In this article, we would be covering the cost of living in Poland along with the residential and office costs that one might have to face in Poland.


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    cost of living in poland

    Cost of Living in Poland

    Poland, which is located in Central Europe, has a diverse history, culture, and favorable business environment. But beyond its beautiful landscapes and historic landmarks, the nation is becoming more and more popular with foreigners, students, and investors because of its promising economic prospects. As a result of this, thousands of individuals immigrate to Poland every year either to set up a business in Poland or for other reasons. However, even though Poland presents an advantageous location for relocation, one thing that should be kept in mind while moving there is the cost of living in Poland. 

    The cost of living in Poland is influenced by numerous factors such as residential costs, healthcare expenses, transportation costs, and other related costs. Gaining a comprehensive grasp of the cost of living in Poland will help you have a better knowledge of the country’s economy and the factors you should take into account before moving there.

    Through this guide, we will discuss the various factors that affect the cost of living in Poland such as the residential cost, office costs, travel expenses, healthcare expenses, and other factors.

    Currency of Poland

    Let’s first talk about the currency of Poland. The official currency acceptable in Poland is the Polish zloty. You can find the official code mentioned in place of zloty, and the code is PLN. To give you a basic idea, here is the value of PLN when compared to different currencies in the world.

    • £1 = 5.25 PLN
    • $1 = 4.31 PLN
    • A$1= 2.72 PLN
    • € 1= 4.54 PLN

    Zloty is known to be floating. This means that the currency’s value will keep moving up or down as per the demand of the market. So, to stay in line with the present zloty value, one must bag for themselves a good online currency modifier. This will make it easier for you to locate the live exchange rate, and also assist you in spotting a currency supplier that’s providing you with a cheaper rate.

    The currency of Poland and its value against the currencies of other nations is utilized above is over the mid-market exchange rate. It is the rate that you will get on looking on Google or through a currency converter. It is also known as the rate that an exchange service or a financial institution will get when they sell and buy currencies

    But’s not always the value that is provided to the regular clients. But, it’s very common to get a margin or markup combined with the exchange rate of retail, an additional fee that can raise the prices.

    With the help of a currency converter, one can detect if any mark-up has been included in the rate of exchange with which you are provided, or you can pick a supplier that generally utilizes the mid-market exchange rate without markups.

    Residential cost in Poland

    If you wish to move to Poland, you might think to yourself, is it too expensive to reside there? Well, the great news here is that you wouldn’t have to rob a bank to stay in Poland. The capital, and the priciest location in Poland, Warsaw, bags the 169th position in the Mercer 2020’s list of Cost of Living in Poland. To give you a better idea, let’s take a look at the cost of residence in Poland:

    Residence Cost Monthly rent of 1 bedroom flat in the city center Meal for 2 people in a mid-range restaurant for 3 courses The monthly cost of transport
    Warsaw, Poland PLN2,893.50 PLN140 PLN110
    Poznan, Poland PLN2,316.92 PLN120 PLN115
    Krakow, Poland PLN2,352.85 PLN120 PLN106

    Office Cost in Poland

    As the cost of residence is cheap in Poland, it is matched by the wages which are also on a lower end when compared to the wages in other countries. But please remember that your money gets utilized in a better way as there are cheaper fixed rates in Poland for essential requirements like rent when compared with big nations like the United Kingdom.

    Let’s now have a look at the average salary for different positions, in different locations in Poland:

    For Warsaw

    Designation Average Salary
    Mobile Developer PLN147,569
    IT Manager PLN148.027
    Web Developer PLN121,705
    Financial Analyst PLN125,341
    Sales Manager PLN109,443
    Business Analyst PLN114,600

    For Krakow

    Designation Average Salary
    Business Analyst PLN138,406
    Financial Analyst PLN139,785
    Sales Manager PLN74,423
    Mobile Developer PLN114,140
    Web Developer PLN142,402
    IT Manager PLN121,778

    Dental & health care costs in Poland

    An individual’s health is the most important criterion. When you are thinking of shifting to Poland, or any other country, permanently or temporarily, the first thing you get concerned about is your health care expenses. The good news here is that if you work or start a firm in Poland, you will directly get provided with a 9% NIP, a national insurance premium, that gets added to your medical care expenses. By this, it is meant that you can make use of general state health benefits for zero cost. It is to be noted that you still will have to pay for the prescriptions, as they aren’t included in this scheme. In the case that you are self-employed, you can pick the option of voluntary contributions, or simply purchase medical insurance. 

    Transportation and travel expenses in Poland

    Travel and transport cost in Poland is dependent on your individual choices as well as the region where you will be residing. As the transportation infrastructure in Poland is developing, it is becoming easier for individuals to move from one place to another. Buses can primarily be utilized as a form of public transportation within cities. Buses aren’t as common in smaller towns and areas, so you can also use bicycles, local transportation, and other modes of transportation.

    It must be noted that some cities don’t have lanes for cycling, making your bike ride tricky. So, if you wish to drive, your driving license from your home nation will stay valid in Poland. This validity will be available for the the initial 6 months of your stay in Poland. After that, you will have to apply for a Polish license.

    Study expenses in Poland

    Poland’s Warsaw University is the highest-ranked education organization, as per the ratings of Shanghai ranking of universities worldwide. You can notice that the scholars from the European Union can make use of the free institutional studies, with the foreign fees for others. Even for foreign students, the prices are comparatively low. The prices fall around EUR 2,000 every year for a UG (undergraduate) course.

    Table for general expenses in Poland

    Restaurants Price list
    Meal for 2 at a mid-range eatery (3 courses) 150.00 zł
    Meal at an inexpensive eatery 30.00 zł
    McMeal at McDonald's 25.00 zł
    Cappuccino (regular) 10.85 zł
    Imported Beer 10.00 zł
    Domestic Beer 10.00 zł
    Water 4.87 zł
    Markets Price list
    White bread loaf 3.74 zł
    Rice (white), (1kg) 4.07 zł
    Eggs (12) 9.92 zł
    Milk (regular) 2.86 zł
    Apples (1 kg) 3.63 zł
    Beef Round (1kg) 37.19 zł
    Chicken Fillets (1kg) 18.72 zł
    Transportation Price list
    Monthly Pass (Regular Price) 100.00 zł
    Taxi Start (Normal Tariff 8.00 zł
    Gasoline (1 liter) 6.29 zł
    Taxi 1km (Normal Tariff) 2.50 zł
    Taxi 1hour Waiting (Normal Tariff) 40.00 zł
    One-way Ticket (Local Transport) 4.00 zł


    Poland is one of the most favoured nations by individuals and entrepreneurs for immigration in the European Union. The nation offers an excellent standard of living, ease of business formation, and access to advanced infrastructural and transportation facilities which makes it a great nation for business incorporation and immigration. However, if you are an individual or an investor who is considering moving to Poland, then you must consider the cost of living in Poland before relocation. In this article, we have carefully explained the various factors that affect the cost of living in Poland. 

    If you are looking to move to Poland in order to register a business there, you can speak with our experts from OnDemand International. Our experts will assist you throughout the steps of business incorporation.


    Poland is a great nation for people who wish to grow. It has a great infrastructure, is an economical hub, and above all, it has an overall low cost of living.

    Yes, you can travel either by bus, train, or air.

    There are several designations in both Krakow and Warsaw. For example, a Financial Analyst makes PLN139,785 in Krakow, and in Warsaw, a financial analyst makes  PLN125,341.

    For 1900 zlotys a month, you can rent an apartment that is up to 35 square meters. For 35 to 50 square meters, it costs 2400 zlotys, for 50 to 70 square meters, 3300 zlotys, and for more than 70 square meters, it costs about 4100 zlotys.

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