Cost Of Living For a Couple in Lublin 2025

Average monthly spending for couples in Lublin

How much money does a couple need in a month to survive in Lublin?

Couples in Lublin spend around 13,000 PLN per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 4,500 PLN or as high as 71,000 PLN. Location and income are very important factors and have a huge influence on expenditure and budget.

Couple expenditure to income ratio in Lublin

Analysing the how affordable it is for couples to live in Lublin

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in. Couples usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a couple of four ranges between 70% to 80%.

Couples in Lublin spend around 73% of their monthly income. Some couples spend as low as 66% of their income while some as high as 81%.

How do couples spend their money in Lublin?

We asked thousands of couples about their spending habits and expenditure break down.

Housing and accomodation expenditure for couples

Couples in Lublin typically spend from 21% to 38% of their total monthly expenditure on housing with 28% being the average. The average monthly spend on housing is 4,500 PLN with expenditure ranging from 1,500 PLN to 24,000 PLN. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for couples

Utility expenditure like electricity, water, and gas in Lublin ranges from 5% to 11% of total expenses with 7% being the average for most couples. The average monthly cost of utilities is 600 PLN with 180 PLN and 3,900 PLN being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Fuel consumption and cost of transport depend heavily on whether a couple resides near school and work, but roughly speaking a couple would expect to spend from 540 PLN to 8,600 PLN in a month on commuting with 1,600 PLN being the norm for most couples. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 3% or as high as 14%.

Food, groceries, and basic shopping expenditure for couples

The average outlay on groceries and basic houshold items for a typical couple in a month in Lublin is 1,900 PLN. The cost of groceries can range between 620 PLN to 10,000 PLN. Couples spend on average about 17% on food and groceries with upper and lower bounds of 12% and 22% respectively.

Healthcare and medical services expenditure for couples

Couples in Lublin allocate 8% to 18% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 14%. The range of medical expenses range from 490 PLN to 7,800 PLN with 1,500 PLN being the norm for most couples.

Leisure and shopping expenditure for couples

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 270 PLN to 4,300 PLN with 800 PLN being the average. Speaking of percentages, that equates to 1% to 7% of total expenses with an average of 4% for most couples.

Education and schooling expenditure for couples

Spending on education can vary drastically between different couples. On average, education constitutes 1% of the monthly expenditure of couples with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 270 PLN per month with 89 PLN being the minimum spent amount and 1,400 PLN being the maximum.

What percentage of couples in Lublin are able to save money and how much can they save?

Percentage of couples that reported their ability to save money

Almost 57% of surveyed couples in Lublin said that they can save some money at the end of each month while 43% reported that they have to utilize their whole income to survive.

How much money do couples manage to add to their savings?

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples that are able to save money can put anywhere from 9.1% to 27% of their monthly income to their savings, with 15% being the average for most couples. The average monthly amount of money that couples can put aside is 4,900 PLN with 1,600 PLN and 26,000 PLN being the minimum and maximum respectively.

Saving Challenges in Lublin

Reasons that make it difficult for couples to save money

We wanted to understand what is stopping couples from maximizing their savings in Lublin. Listed below are the answers given by the survey participants.

Around 5% of the couples said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 15% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 11% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 19% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 12% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Typical saving choices for couples in Lublin

Where do people choose to put their savings?

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

• 50% for needs and financial obligations

  This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

• 30% for wants and discretionary spending

  This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

• 20% for savings and emergency fund

  This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

Affordable living in Lublin

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Lublin?

Around 62% of surveyed couples think that living in Lublin is affordable with proper budgeting while 38% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Lublin

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked couples how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options54%

Few low-cost options46%

Based on the survey, 54% of the couples living in Lublin have no problem finding low-cost alternatives to support a frugal lifestyle while 46% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Couples

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked couples of Lublin whether they have an emergency fund and the answers were as follows.

Yes61%

No39%

Based on the survey, 39% of the couples living in Lublin said that they don't have an emergency fund while 61% said that they do.

Financial Literacy in Poland

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy64%

We asked couple guardians and parents in Lublin whether they acquired any adequate personal financial training in their lives. Approximately 36% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 64% said that they know about the general principles of personal finance from sources other than their own experience.

Difficulty in Budgeting and Financial Planning

We wanted to understand whether couples of Poland have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 31% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 69% said that they have everything under control.

Struggles with finance31%

Easily manages finances69%

Financial goals of couples in Lublin

In an attempt to understand the economic situation in Lublin, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 39% said their number one priority is to pay off high-interest debt or loans and improve credit. 9% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 8% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 12% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Debt, loans, and mortgages in Lublin

Percentage of couples who are in debt

According to the survey, 24% of the couples in Lublin have some kind of debt, loan, mortgage, or credit card payments while 77% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Lublin

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 27% of a couple's monthly income in Lublin goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Lublin pay 60%+ of their income as debt settlement while 15% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 13% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 15% dedicated 30% to 40% of income for same. Things are looking brighter for 12% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Lublin

10% of debtors in Lublin confirm that real estate mortgages constitutes the main part of their outstanding debt while 28% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 18% of people and personal loans rose at 40%. Lastly, student loans are the main source of debt for 4% of debtors in Lublin.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.

Loan Affordability Index in Lublin

Besides measuring the loan-to-income ratio, we asked couples of Lublin how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Housing costs, accommodation, and housing affordability in Lublin

Rent Cost in Lublin

Monthly Rent Prices

Studio apartment monthly rent cost

1,000 PLN

1,500 PLN

4,100 PLN

MINIMUM

AVERAGE

MAXIMUM

$260

$380

$1,000

1-bedroom apartment monthly rent cost

1,500 PLN

2,400 PLN

6,100 PLN

MINIMUM

AVERAGE

MAXIMUM

$380

$610

$1,500

2-bedroom apartment monthly rent cost

2,000 PLN

3,100 PLN

8,100 PLN

MINIMUM

AVERAGE

MAXIMUM

$510

$770

$2,000

3-bedroom apartment monthly rent cost

2,400 PLN

4,100 PLN

11,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$610

$1,000

$2,800

Furnished apartment monthly rent cost

4,900 PLN

12,000 PLN

24,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,200

$3,100

$6,100

Townhouse monthly rent cost

4,100 PLN

6,100 PLN

17,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,000

$1,500

$4,400

House monthly rent cost

4,900 PLN

12,000 PLN

24,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,200

$3,100

$6,100

Villa monthly rent cost

6,100 PLN

15,000 PLN

24,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,500

$3,800

$6,100

The monthly rental cost of a studio apartment in Lublin ranges between 1,000 PLN and 4,100 PLN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,500 PLN to 6,100 PLN. Two-bedroom rentals rate ranges between 2,000 PLN and 8,100 PLN per month. The monthly rental for a three-bedroom apartment ranges from 2,400 PLN to 11,000 PLN. The average rent of a townhouse in Lublin is around 6,100 PLN while house rental costs can be as high as 12,000 PLN per month. Finally, if you want to rent a villa, expect to pay anywhere from 6,100 PLN to 24,000 PLN per month.

Apartment and house prices in Lublin

Cost of buying a property

Studio apartment price

200,000 PLN

310,000 PLN

610,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$51,000

$77,000

$150,000

1-bedroom apartment price

240,000 PLN

410,000 PLN

1.5M PLN

MINIMUM

AVERAGE

MAXIMUM

$61,000

$100,000

$380,000

2-bedroom apartment price

410,000 PLN

1.2M PLN

2.4M PLN

MINIMUM

AVERAGE

MAXIMUM

$100,000

$310,000

$610,000

3-bedroom apartment price

1.4M PLN

2M PLN

6.1M PLN

MINIMUM

AVERAGE

MAXIMUM

$340,000

$510,000

$1.5M

Townhouse price

1.7M PLN

4.1M PLN

15M PLN

MINIMUM

AVERAGE

MAXIMUM

$440,000

$1M

$3.8M

House price

2M PLN

12M PLN

17M PLN

MINIMUM

AVERAGE

MAXIMUM

$510,000

$3.1M

$4.4M

Villa price

2.4M PLN

14M PLN

20M PLN

MINIMUM

AVERAGE

MAXIMUM

$610,000

$3.4M

$5.1M

The average price of a studio apartment in Lublin can range from 200,000 PLN to 610,000 PLN depending on location. One bedroom cost can be anywhere from 240,000 PLN to 1.5M PLN. A villa can cost you 14M PLN on average with prices ranging from 2.4M PLN to 20M PLN.

House / apartment prices to income ratio

Property prices in Lublin can be x94 to x184 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x94 multiples of the average monthly salary in Lublin.

Rent to income ratio

The average rent-to-income ratio in Lublin is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 18% to 36% depending on the salary, location, and type of property.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Lublin

Energy, electricity, water, gas, internet, and mobile cost in Lublin

Utility Bill Cost / Electricity + Water + Gas / Couple

180 PLN

600 PLN

3,900 PLN

MINIMUM

AVERAGE

MAXIMUM

$45

$150

$980

Internet and cable cost

66 PLN

130 PLN

180 PLN

MINIMUM

AVERAGE

MAXIMUM

$17

$33

$44

Mobile phone bill and charges

53 PLN

89 PLN

270 PLN

MINIMUM

AVERAGE

MAXIMUM

$13

$22

$67

The average monthly energy and water consumption of couples is around 600 PLN. The cost of internet and WiFi ranges from 66 PLN to 180 PLN with 130 PLN being the average internet bill. Finally, the average monthly mobile charges is around 89 PLN but can range between 53 PLN and 270 PLN depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Lublin is around 5.4%. This means that people pay 5.4% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.7% to 9.1% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Lublin

Prices and cost of goods and services in Lublin

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

13 PLN

27 PLN

44 PLN

MINIMUM

AVERAGE

MAXIMUM

$3.3

$6.7

$11

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Lublin is approximatly 27 PLN with meal cost ranging from 13 PLN to 44 PLN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

43 PLN

64 PLN

130 PLN

MINIMUM

AVERAGE

MAXIMUM

$11

$16

$32

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 43 PLN and 130 PLN with 64 PLN being the average price of a plate for one person at a regular restaurant in Lublin.

Fine dining meal for one price

85 PLN

130 PLN

510 PLN

MINIMUM

AVERAGE

MAXIMUM

$21

$32

$130

The price range of a meal at fine-dining restaurant is 85 PLN to 510 PLN with the average cost being 130 PLN for one person. This is what you would expect to pay a top-tier diner in Lublin.

Beverage prices, cappuccino, latte etc..

11 PLN

18 PLN

27 PLN

MINIMUM

AVERAGE

MAXIMUM

$2.8

$4.4

$6.7

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Lublin is around 18 PLN. Price ranges between 11 PLN and 27 PLN depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

8.9 PLN

11 PLN

13 PLN

MINIMUM

AVERAGE

MAXIMUM

$2.2

$2.7

$3.3

The average price of a large bottle of milk in Lublin is 11 PLN. The maximum what you would pay for milk is 13 PLN and the minimum being 8.9 PLN depending on the brand of milk and other properties.

12 eggs price

6.6 PLN

8.9 PLN

13 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.7

$2.2

$3.3

A dozen eggs costs around 8.9 PLN on average with 6.6 PLN and 13 PLN being the lower and upper limits respectively.

Fresh whole chicken price

15 PLN

20 PLN

28 PLN

MINIMUM

AVERAGE

MAXIMUM

$3.8

$4.9

$7

The price range of a fresh whole chicken in Lublin is between 15 PLN and 28 PLN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 20 PLN.

Pack of beef price

18 PLN

27 PLN

53 PLN

MINIMUM

AVERAGE

MAXIMUM

$4.4

$6.7

$13

The price of a regular pack of beef or meat is around 27 PLN. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

7.1 PLN

9.8 PLN

14 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.8

$2.5

$3.5

A bag of rice in Lublin costs around 9.8 PLN on average with prices rangeing between 7.1 PLN and 14 PLN depending on the brand and quality.

Bag of tomatos price

2.7 PLN

3.5 PLN

6.6 PLN

MINIMUM

AVERAGE

MAXIMUM

$0.67

$0.89

$1.7

A bag of tomatoes costs anywhere from 2.7 PLN to 6.6 PLN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

4.7 PLN

6.2 PLN

10 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.2

$1.6

$2.6

A bag of apples costs 6.2 PLN on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Lublin is around 24%. This means that couples spend 24% of their income on grocery and basic household items. The expenditure can range from 16% to 29% depending on salary and location.

Expenditure on food and grocery for couples