Warsaw wins overall by ~2% (COL index)
Cost of living: Warsaw vs Split (2026)
A $75,000 salary in Warsaw buys roughly what $76,389 does in Split (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$1,613/yr
Favoring Warsaw for this income & household (illustrative).
With an extra $134/mo in Warsaw, you could max a Roth IRA contribution faster and still grow your savings buffer.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Warsaw Masovian Voivodeship | Split Split-Dalmatia County | Who wins | Your impact at $75K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $550 | $500Better | Split wins −$50/mo | $600/yr saves in Split |
| 1BR rent/mo | $750 | $700Better | Split wins −$50/mo | $600/yr saves in Split |
| 2BR rent/mo | $1,200 | $1,100Better | Split wins −$100/mo | $1,200/yr saves in Split |
| Median home price | — | — | — | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | — | — | — | — |
| Budget meal (1 person) | $8Better | $9 | Warsaw wins +$1/mo | — |
| Mid-range dinner (2) | $35Better | $38 | Warsaw wins +$3/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | — | — | — | — |
| Gas price/gal | — | — | — | — |
| Car insurance/mo | — | — | — | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $95 | $80Wins | Split wins −$15/mo | — |
| Internet/mo | $20Wins | $25 | Warsaw wins +$5/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | — | — | — | — |
| State income tax% | 17.0%Wins | 20.0% | Warsaw wins +3.0 pp | $2,250/yr saves in Warsaw |
| Sales tax (combined)% | 23.0%Better | 25.0% | Warsaw wins +2.0 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | — | — | — | — |
| Gym membership/mo | $35Better | $38 | Warsaw wins +$3/mo | — |
| Beer at restaurant | — | — | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 54Better | 55 | Warsaw wins +1 | — |
| Walk score / 100 | 72Better | 72 | — | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$2,244/yr tax difference into cash back
Warsaw fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Warsaw.
High-yield savings
Grow your move fund while you shop for homes
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Warsaw cheaper than Split?
Yes. Warsaw is 2% cheaper than Split based on overall cost of living indices (54 vs 55, where 100 = US average).
What is the average rent in Warsaw vs Split?
As of Q1 2026, the median 1-bedroom rent in Warsaw is $750/month and in Split is $700/month. Warsaw is more expensive by 7%.
How much do I need to earn in Split to match a $75,000 salary in Warsaw?
To maintain a similar lifestyle, you would need approximately $76,389/year in Split to match a $75,000 salary in Warsaw. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Warsaw or Split?
Warsaw has the lower state income tax rate at 17% vs 20%. The difference is 3.0 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Warsaw to Split?
It depends on your priorities. Warsaw offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Warsaw ↔ Split
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