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Cost of Living: Warsaw vs London (2026)

Poland vs United Kingdom — relocation comparison

Your passport:
Warsaw
London
$1,224/mo
Rent

1BR centre

$3,000/mo
$27k/yr
Take-home savings

At each city's local median pay

$15k/yr
5 yr
PR path
5 yr
Tax breaks

Open incentive regimes for newcomers

4-year FIG regime (Foreign Income and Gains)
Freelance setup
JDG
  • VAT-free under €47k
  • €450/yr accountant
WiseStripe
Sole Trader
  • VAT-free under €105k
  • 9% social
  • €600/yr accountant
WiseStripe

Sourced from Numbeo · Updated April 2026

TL;DRWarsaw is 59% cheaper on rent ($1,224/mo vs $3,000/mo). London has milder winters (39°F vs 25°F lows). You can get by in English in both — your Duolingo streak can wait.
Warsaw scores 74 to London's 61 on livability — the gap is real. London has its charms, but the numbers favor Warsaw.
Household
Warsaw
Metric
London
$681/mo
🛒
Living costs (no rent)
lower is better
$1159/mo
$4,950
🧳
Cost to land
lower is better
$9,238
81 / 100
🛡️
Settler safety
higher is better
82 / 100
0.7 / 100k
🔒
Homicides
lower is better
1.1 / 100k
6.5 / 100k
🚗
Road deaths
lower is better
2.4 / 100k
75 / 100
🚨
Safety Index
higher is better
45 / 100
73°F
☀️
Summer high
personal taste
72°F
25°F
❄️
Winter low
personal taste
39°F
109 Mbps
Internet speed
higher is better
87 Mbps
22.3 μg/m³
🌬️
Air quality (PM2.5)
lower is better
9.5 μg/m³
73 / 100
🏥
Healthcare
higher is better
82 / 100
7.4 / 10
🗳️
Democracy
higher is better
8.3 / 10
18 / 100
🏳️‍🌈
Rainbow Index
higher is better
52 / 100
100/100
🗣️
Street English
higher is better
100/100
$51k
💼
GDP per capita
higher is better
$62k
3.8% · Boringly steady
📈
Inflation
lower is better
3.3% · Boringly steady
65/100 — Patchy
Grid reliability
higher is better
92/100 — Reliable
82/100
🗽
Freedom House
higher is better
92/100
A median Software Engineer in Warsaw takes home $5,190/mo under Standard employee. In London: $7,241/mo under Standard employee.
$2,051/mo more in London
🎯 London's 4-year FIG regime (Foreign Income and Gains) isn't modelled above — if you qualify, take-home would be $6,826/mo instead.
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$108k
💰
Gross income
$117k
−$23k
🏛️
Income tax
Standard employee
−$26k
−$23k
🛡️
Social contributions
−$5k
$62k/yr
$5k/mo
💵
Take-home pay
$87k/yr
$7k/mo
−$35k
🏠
Cost of living
−$72k
$27k/yr
🐖
Annual savings
$15k/yr
Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · World Bank · Freedom House · Updated April 2026

💰
Cost of Living
Warsaw
$1,776/mo cheaper on rent alone
🔒
Safety
Warsaw
0.7 homicides per 100k
🗳️
Democracy
London
8.3/10 EIU index
🗣️
English
London
higher proficiency score

Sun

How much sky you actually get

44% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
42% clear
Win
Spr
Sum
Fall
7.7h
Shortest day
Dec
7.8h
16.8h
Longest day
Jun
16.6h

Sun clocks out before 5pm in both cities come December. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

improving
Democracy trend
stable
improving
Inflation trend
improving
software-itfinancegame-devbpo
Industries
fintechaibiotechcreative-tech
active
Startup ecosystem
hub
Moderate
🇺🇸 Your visa
Moderate
Easy
EU visa
Moderate
Moderate
RU visa
Complex
Easy
UA visa
Moderate
Partner can work immediately
Spouse works
Partner can work immediately
Not recognized
konkubinat (informal — no legal recognition)
Partner pathway
Recognized (2+ yr)
unmarried partner / civil partnership

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

Life-threatening only
Abortion access
Broad social grounds
Gestational limit
24 wk

Near-total ban since 2021. Only permitted for life/health threat or rape/incest. One of Europe's most restrictive.

Requires two doctors' approval under Abortion Act 1967, but broadly available up to 24 weeks.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Not recognized
Marriage
Legal
Not allowed
Adoption
Joint adoption
Yes
Job protection
Yes
No
Hate crime law
Yes

Warsaw vs London — Common Questions

Is Warsaw cheaper than London?

Warsaw is cheaper. A 1-bedroom apartment in city centre costs around $1224/month there vs $3000/month in the other city (Numbeo data).

Which is safer, Warsaw or London?

Warsaw is statistically safer based on UNODC homicide data. Warsaw has a rate of 0.68 per 100,000 and London has 1.07 per 100,000.

Should I move to Warsaw or London?

Warsaw scores 74 to London's 61 on livability — the gap is real. London has its charms, but the numbers favor Warsaw. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in Warsaw or London?

Warsaw: Poland Temporary Residence (moderate requirements, Up to 3 years). London: UK Skilled Worker Visa (complex process, Up to 5 years). See each city's profile page for full requirements.

What's the cost of rent in Warsaw vs London?

A 1-bedroom in the centre: $1224/month in Warsaw, $3000/month in London (Numbeo). That's 59% cheaper rent in Warsaw.

Is Warsaw or London better for democracy and rule of law?

London scores 8.3/10 on the EIU Democracy Index vs 7.4/10 for Warsaw. That puts it in 'full democracy' territory — free press, independent courts, the works.

Is healthcare better in Warsaw or London?

London scores higher on our composite healthcare index (82/100 vs 73/100 for Warsaw). That score combines clinical outcomes (IHME), universal coverage (WHO), and resident perception (Numbeo) — not just whether hospitals exist but whether the system actually works for settlers.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

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