Cost Of Living For a Student in Szczecin 2025

Average monthly spending for students in Szczecin

How much money does a student need in a month to survive in Szczecin?

Students in Szczecin spend around 6,100 PLN per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 940 PLN or as high as 41,000 PLN. Location is a very important factor and has a huge influence on expenditure and budget.

How do students spend their money in Szczecin?

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

Housing and accomodation expenditure for students

Students in Szczecin typically spend from 14% to 25% of their total monthly expenditure on housing with 19% being the average. The average monthly spend on housing is 1,500 PLN with expenditure ranging from 230 PLN to 9,800 PLN. This cost mainly goes for rent but it also includes other accommodation-related expenses.

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

Utility expenditure like electricity, water, and gas in Szczecin ranges from 4% to 10% of total expenses with 6% being the average for most students. The average monthly cost of utilities is 250 PLN with 38 PLN and 1,600 PLN being the upper and lower limits for a student of four.

Transport, fuel, and commute expenditure for students

Fuel consumption and cost of transport depend heavily on whether a student resides near school and work, but roughly speaking a student would expect to spend from 66 PLN to 2,900 PLN in a month on commuting with 430 PLN being the norm for most students. This means that money spent on transport constitutes about 5% of total spending on average but can go as low as 5% or as high as 11%.

Food, groceries, and basic shopping expenditure for students

The average outlay on groceries and basic houshold items for a typical student in a month in Szczecin is 1,200 PLN. The cost of groceries can range between 190 PLN to 8,200 PLN. Students spend on average about 22% on food and groceries with upper and lower bounds of 16% and 26% respectively.

Healthcare and medical services expenditure for students

Students in Szczecin allocate 5% to 11% 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 8%. The range of medical expenses range from 56 PLN to 2,500 PLN with 370 PLN being the norm for most students.

Leisure and shopping expenditure for students

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 47 PLN to 2,000 PLN with 310 PLN being the average. Speaking of percentages, that equates to 2% to 7% of total expenses with an average of 3% for most students.

Education and schooling expenditure for students

Spending on education can vary drastically between different students. On average, education constitutes 19% of the monthly expenditure of students with 12% and 24% being the lower and upper bounds respectively. The average reported education cost is 1,200 PLN per month with 180 PLN being the minimum spent amount and 7,800 PLN being the maximum.

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 Szczecin

Income and cost of living compatibility

We asked students one simple question and recorded their answers.

Is it affordable or economical to live in Szczecin?

Around 66% of surveyed students think that living in Szczecin is affordable with proper budgeting while 34% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Szczecin

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 students how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options57%

Few low-cost options43%

Based on the survey, 57% of the students living in Szczecin have no problem finding low-cost alternatives to support a frugal lifestyle while 43% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Students

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 students of Szczecin whether they have an emergency fund and the answers were as follows.

Yes64%

No36%

Based on the survey, 36% of the students living in Szczecin said that they don't have an emergency fund while 64% 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 student guardians and parents in Szczecin 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 students 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%

Housing costs, accommodation, and housing affordability in Szczecin

Rent Cost in Szczecin

Monthly Rent Prices

Studio apartment monthly rent cost

1,100 PLN

1,600 PLN

4,300 PLN

MINIMUM

AVERAGE

MAXIMUM

$270

$400

$1,100

1-bedroom apartment monthly rent cost

1,600 PLN

2,600 PLN

6,400 PLN

MINIMUM

AVERAGE

MAXIMUM

$400

$650

$1,600

2-bedroom apartment monthly rent cost

2,100 PLN

3,200 PLN

8,600 PLN

MINIMUM

AVERAGE

MAXIMUM

$540

$810

$2,200

3-bedroom apartment monthly rent cost

2,600 PLN

4,300 PLN

12,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$650

$1,100

$2,900

Furnished apartment monthly rent cost

5,200 PLN

13,000 PLN

26,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,300

$3,200

$6,500

Townhouse monthly rent cost

4,300 PLN

6,400 PLN

18,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,100

$1,600

$4,600

House monthly rent cost

5,200 PLN

13,000 PLN

26,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,300

$3,200

$6,500

Villa monthly rent cost

6,400 PLN

16,000 PLN

26,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,600

$4,000

$6,500

The monthly rental cost of a studio apartment in Szczecin ranges between 1,100 PLN and 4,300 PLN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,600 PLN to 6,400 PLN. Two-bedroom rentals rate ranges between 2,100 PLN and 8,600 PLN per month. The monthly rental for a three-bedroom apartment ranges from 2,600 PLN to 12,000 PLN. The average rent of a townhouse in Szczecin is around 6,400 PLN while house rental costs can be as high as 13,000 PLN per month. Finally, if you want to rent a villa, expect to pay anywhere from 6,400 PLN to 26,000 PLN per month.

Apartment and house prices in Szczecin

Cost of buying a property

Studio apartment price

210,000 PLN

320,000 PLN

640,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$54,000

$81,000

$160,000

1-bedroom apartment price

260,000 PLN

430,000 PLN

1.6M PLN

MINIMUM

AVERAGE

MAXIMUM

$65,000

$110,000

$400,000

2-bedroom apartment price

430,000 PLN

1.3M PLN

2.6M PLN

MINIMUM

AVERAGE

MAXIMUM

$110,000

$320,000

$650,000

3-bedroom apartment price

1.4M PLN

2.1M PLN

6.4M PLN

MINIMUM

AVERAGE

MAXIMUM

$360,000

$540,000

$1.6M

Townhouse price

1.8M PLN

4.3M PLN

16M PLN

MINIMUM

AVERAGE

MAXIMUM

$460,000

$1.1M

$4M

House price

2.1M PLN

13M PLN

18M PLN

MINIMUM

AVERAGE

MAXIMUM

$540,000

$3.2M

$4.6M

Villa price

2.6M PLN

14M PLN

21M PLN

MINIMUM

AVERAGE

MAXIMUM

$650,000

$3.6M

$5.4M

The average price of a studio apartment in Szczecin can range from 210,000 PLN to 640,000 PLN depending on location. One bedroom cost can be anywhere from 260,000 PLN to 1.6M PLN. A villa can cost you 14M PLN on average with prices ranging from 2.6M PLN to 21M PLN.

House / apartment prices to income ratio

Property prices in Szczecin can be x99 to x194 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x99 multiples of the average monthly salary in Szczecin.

Rent to income ratio

The average rent-to-income ratio in Szczecin is around 29%. This means that people pay 29% of their income for rent. Those figures can range from 19% to 38% 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 Szczecin

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

Utility Bill Cost / Electricity + Water + Gas / Student

38 PLN

250 PLN

1,600 PLN

MINIMUM

AVERAGE

MAXIMUM

$9.4

$62

$410

Internet and cable cost

68 PLN

140 PLN

180 PLN

MINIMUM

AVERAGE

MAXIMUM

$17

$34

$45

Mobile phone bill and charges

54 PLN

90 PLN

270 PLN

MINIMUM

AVERAGE

MAXIMUM

$14

$23

$68

The average monthly energy and water consumption of students is around 250 PLN. The cost of internet and WiFi ranges from 68 PLN to 180 PLN with 140 PLN being the average internet bill. Finally, the average monthly mobile charges is around 90 PLN but can range between 54 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 Szczecin is around 5.7%. This means that people pay 5.7% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.9% to 9.6% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Szczecin

Prices and cost of goods and services in Szczecin

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

Fast food combo meal price

14 PLN

27 PLN

45 PLN

MINIMUM

AVERAGE

MAXIMUM

$3.4

$6.8

$11

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Szczecin is approximatly 27 PLN with meal cost ranging from 14 PLN to 45 PLN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

44 PLN

66 PLN

130 PLN

MINIMUM

AVERAGE

MAXIMUM

$11

$17

$33

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 44 PLN and 130 PLN with 66 PLN being the average price of a plate for one person at a regular restaurant in Szczecin.

Fine dining meal for one price

88 PLN

130 PLN

530 PLN

MINIMUM

AVERAGE

MAXIMUM

$22

$33

$130

The price range of a meal at fine-dining restaurant is 88 PLN to 530 PLN with the average cost being 130 PLN for one person. This is what you would expect to pay a top-tier diner in Szczecin.

Beverage prices, cappuccino, latte etc..

11 PLN

18 PLN

27 PLN

MINIMUM

AVERAGE

MAXIMUM

$2.8

$4.5

$6.8

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Szczecin 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

9 PLN

11 PLN

14 PLN

MINIMUM

AVERAGE

MAXIMUM

$2.3

$2.7

$3.4

The average price of a large bottle of milk in Szczecin is 11 PLN. The maximum what you would pay for milk is 14 PLN and the minimum being 9 PLN depending on the brand of milk and other properties.

12 eggs price

6.8 PLN

9 PLN

14 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.7

$2.3

$3.4

A dozen eggs costs around 9 PLN on average with 6.8 PLN and 14 PLN being the lower and upper limits respectively.

Fresh whole chicken price

15 PLN

20 PLN

28 PLN

MINIMUM

AVERAGE

MAXIMUM

$3.9

$5

$7.1

The price range of a fresh whole chicken in Szczecin 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

54 PLN

MINIMUM

AVERAGE

MAXIMUM

$4.5

$6.8

$14

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

7.3 PLN

10 PLN

14 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.8

$2.5

$3.5

A bag of rice in Szczecin costs around 10 PLN on average with prices rangeing between 7.3 PLN and 14 PLN depending on the brand and quality.

Bag of tomatos price

2.7 PLN

3.6 PLN

6.8 PLN

MINIMUM

AVERAGE

MAXIMUM

$0.68

$0.91

$1.7

A bag of tomatoes costs anywhere from 2.7 PLN to 6.8 PLN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

4.8 PLN

6.3 PLN

10 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.2

$1.6

$2.6

A bag of apples costs 6.3 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 Szczecin is around 25%. This means that students spend 25% of their income on grocery and basic household items. The expenditure can range from 17% to 31% depending on salary and location.

Expenditure on food and grocery for students