Poland is generally more affordable than many EU countries for expats — but costs vary significantly depending on which city you choose and your lifestyle. This guide gives you realistic, up-to-date figures for 2026.
Overview
A young professional or single person can live comfortably in Warsaw on PLN 5,000–7,000 per month (approximately €1,100–1,600), covering rent, food, transport, and leisure. Note: figures throughout this article are based on 2026 market listings and editorial estimates; individual costs will vary by neighbourhood, lifestyle, and household size. In smaller cities like Wrocław or Poznań, the same lifestyle costs 15–25% less.
Rent and Housing
Rent is the largest monthly expense for most expats. Here are typical monthly figures for a furnished 1-bedroom apartment in a central location:
- Warsaw (centre): PLN 4,000–6,500
- Kraków (centre): PLN 3,000–5,000
- Wrocław: PLN 2,800–4,500
- Gdańsk: PLN 2,500–4,000
- Poznań: PLN 2,500–3,800
Prices in Warsaw's city centre have risen sharply since 2022. Moving 2–3 metro stops from the centre can reduce rent by 20–30% with no meaningful loss of convenience.
Food and Groceries
Poland has a well-developed supermarket network and a strong local food scene. A weekly shop for one person typically costs PLN 250–400 depending on diet and preferences. Eating out at a mid-range restaurant costs PLN 40–70 per person; a meal at a budget restaurant or milk bar (bar mleczny) costs PLN 15–25.
Transport
Public transport in Polish cities is excellent and affordable. A monthly unlimited travel pass in Warsaw costs PLN 110. In other cities it ranges from PLN 70–100. In many major Polish cities, expats can live comfortably without a car — particularly those living near central areas and well-connected public transport routes.
Healthcare
If you are employed in Poland, healthcare through the national system (NFZ) is covered through your employer's social security contributions. Access to services and waiting times can vary significantly depending on region and specialty — many expats supplement NFZ coverage with private health insurance for faster access. Private health insurance for additional coverage costs approximately PLN 100–300 per month depending on the plan.
City Comparison Summary
As a rough guide, a comfortable single-person monthly budget (rent + living costs, excluding savings) looks like this:
- Warsaw: PLN 6,000–9,000
- Kraków: PLN 5,000–7,500
- Wrocław: PLN 4,500–7,000
- Gdańsk: PLN 4,000–6,500
- Poznań: PLN 4,000–6,000
For a detailed city comparison, see our guide to the best cities to live in Poland. If you are ready to plan your move, our Move to Poland service can help you with every practical step.