Cost Of Living For a Student in Wroclaw 2025

Average monthly spending for students in Wroclaw

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

Students in Wroclaw spend around 6,900 PLN per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 1,100 PLN or as high as 46,000 PLN. Location is a very important factor and has a huge influence on expenditure and budget.

How do students spend their money in Wroclaw?

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

Housing and accomodation expenditure for students

Students in Wroclaw typically spend from 15% to 26% of their total monthly expenditure on housing with 20% being the average. The average monthly spend on housing is 1,700 PLN with expenditure ranging from 250 PLN to 11,000 PLN. This cost mainly goes for rent but it also includes other accommodation-related expenses.

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

Utility expenditure like electricity, water, and gas in Wroclaw ranges from 4% to 10% of total expenses with 6% being the average for most students. The average monthly cost of utilities is 280 PLN with 42 PLN and 1,800 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 74 PLN to 3,200 PLN in a month on commuting with 480 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 Wroclaw is 1,400 PLN. The cost of groceries can range between 210 PLN to 9,200 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 Wroclaw 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 64 PLN to 2,800 PLN with 420 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 53 PLN to 2,300 PLN with 350 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 1,300 PLN per month with 200 PLN being the minimum spent amount and 8,800 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 Wroclaw

Income and cost of living compatibility

We asked students one simple question and recorded their answers.

Is it affordable or economical to live in Wroclaw?

Around 74% of surveyed students think that living in Wroclaw is affordable with proper budgeting while 26% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Wroclaw

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 options65%

Few low-cost options36%

Based on the survey, 65% of the students living in Wroclaw have no problem finding low-cost alternatives to support a frugal lifestyle while 36% 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 Wroclaw whether they have an emergency fund and the answers were as follows.

Yes72%

No28%

Based on the survey, 28% of the students living in Wroclaw said that they don't have an emergency fund while 72% 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 Wroclaw 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 Wroclaw

Rent Cost in Wroclaw

Monthly Rent Prices

Studio apartment monthly rent cost

1,200 PLN

1,800 PLN

4,800 PLN

MINIMUM

AVERAGE

MAXIMUM

$300

$460

$1,200

1-bedroom apartment monthly rent cost

1,800 PLN

2,900 PLN

7,300 PLN

MINIMUM

AVERAGE

MAXIMUM

$460

$730

$1,800

2-bedroom apartment monthly rent cost

2,400 PLN

3,600 PLN

9,700 PLN

MINIMUM

AVERAGE

MAXIMUM

$610

$910

$2,400

3-bedroom apartment monthly rent cost

2,900 PLN

4,800 PLN

13,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$730

$1,200

$3,300

Furnished apartment monthly rent cost

5,800 PLN

15,000 PLN

29,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,500

$3,600

$7,300

Townhouse monthly rent cost

4,800 PLN

7,300 PLN

21,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,200

$1,800

$5,200

House monthly rent cost

5,800 PLN

15,000 PLN

29,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,500

$3,600

$7,300

Villa monthly rent cost

7,300 PLN

18,000 PLN

29,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$1,800

$4,600

$7,300

The monthly rental cost of a studio apartment in Wroclaw ranges between 1,200 PLN and 4,800 PLN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,800 PLN to 7,300 PLN. Two-bedroom rentals rate ranges between 2,400 PLN and 9,700 PLN per month. The monthly rental for a three-bedroom apartment ranges from 2,900 PLN to 13,000 PLN. The average rent of a townhouse in Wroclaw is around 7,300 PLN while house rental costs can be as high as 15,000 PLN per month. Finally, if you want to rent a villa, expect to pay anywhere from 7,300 PLN to 29,000 PLN per month.

Apartment and house prices in Wroclaw

Cost of buying a property

Studio apartment price

240,000 PLN

360,000 PLN

730,000 PLN

MINIMUM

AVERAGE

MAXIMUM

$61,000

$91,000

$180,000

1-bedroom apartment price

290,000 PLN

480,000 PLN

1.8M PLN

MINIMUM

AVERAGE

MAXIMUM

$73,000

$120,000

$460,000

2-bedroom apartment price

480,000 PLN

1.5M PLN

2.9M PLN

MINIMUM

AVERAGE

MAXIMUM

$120,000

$360,000

$730,000

3-bedroom apartment price

1.6M PLN

2.4M PLN

7.3M PLN

MINIMUM

AVERAGE

MAXIMUM

$400,000

$610,000

$1.8M

Townhouse price

2.1M PLN

4.8M PLN

18M PLN

MINIMUM

AVERAGE

MAXIMUM

$520,000

$1.2M

$4.6M

House price

2.4M PLN

15M PLN

21M PLN

MINIMUM

AVERAGE

MAXIMUM

$610,000

$3.6M

$5.2M

Villa price

2.9M PLN

16M PLN

24M PLN

MINIMUM

AVERAGE

MAXIMUM

$730,000

$4M

$6.1M

The average price of a studio apartment in Wroclaw can range from 240,000 PLN to 730,000 PLN depending on location. One bedroom cost can be anywhere from 290,000 PLN to 1.8M PLN. A villa can cost you 16M PLN on average with prices ranging from 2.9M PLN to 24M PLN.

House / apartment prices to income ratio

Property prices in Wroclaw can be x112 to x218 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x112 multiples of the average monthly salary in Wroclaw.

Rent to income ratio

The average rent-to-income ratio in Wroclaw is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 22% to 43% 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 Wroclaw

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

Utility Bill Cost / Electricity + Water + Gas / Student

42 PLN

280 PLN

1,800 PLN

MINIMUM

AVERAGE

MAXIMUM

$11

$69

$460

Internet and cable cost

70 PLN

140 PLN

190 PLN

MINIMUM

AVERAGE

MAXIMUM

$18

$35

$47

Mobile phone bill and charges

56 PLN

93 PLN

280 PLN

MINIMUM

AVERAGE

MAXIMUM

$14

$23

$70

The average monthly energy and water consumption of students is around 280 PLN. The cost of internet and WiFi ranges from 70 PLN to 190 PLN with 140 PLN being the average internet bill. Finally, the average monthly mobile charges is around 93 PLN but can range between 56 PLN and 280 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 Wroclaw is around 6.5%. This means that people pay 6.5% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.2% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Wroclaw

Prices and cost of goods and services in Wroclaw

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

Fast food combo meal price

14 PLN

28 PLN

47 PLN

MINIMUM

AVERAGE

MAXIMUM

$3.5

$7

$12

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Wroclaw is approximatly 28 PLN with meal cost ranging from 14 PLN to 47 PLN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

47 PLN

71 PLN

140 PLN

MINIMUM

AVERAGE

MAXIMUM

$12

$18

$36

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 47 PLN and 140 PLN with 71 PLN being the average price of a plate for one person at a regular restaurant in Wroclaw.

Fine dining meal for one price

95 PLN

140 PLN

570 PLN

MINIMUM

AVERAGE

MAXIMUM

$24

$36

$140

The price range of a meal at fine-dining restaurant is 95 PLN to 570 PLN with the average cost being 140 PLN for one person. This is what you would expect to pay a top-tier diner in Wroclaw.

Beverage prices, cappuccino, latte etc..

12 PLN

19 PLN

28 PLN

MINIMUM

AVERAGE

MAXIMUM

$2.9

$4.7

$7

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Wroclaw is around 19 PLN. Price ranges between 12 PLN and 28 PLN depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

9.3 PLN

11 PLN

14 PLN

MINIMUM

AVERAGE

MAXIMUM

$2.3

$2.8

$3.5

The average price of a large bottle of milk in Wroclaw is 11 PLN. The maximum what you would pay for milk is 14 PLN and the minimum being 9.3 PLN depending on the brand of milk and other properties.

12 eggs price

7 PLN

9.3 PLN

14 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.8

$2.3

$3.5

A dozen eggs costs around 9.3 PLN on average with 7 PLN and 14 PLN being the lower and upper limits respectively.

Fresh whole chicken price

16 PLN

21 PLN

29 PLN

MINIMUM

AVERAGE

MAXIMUM

$4

$5.2

$7.3

The price range of a fresh whole chicken in Wroclaw is between 16 PLN and 29 PLN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 21 PLN.

Pack of beef price

19 PLN

28 PLN

56 PLN

MINIMUM

AVERAGE

MAXIMUM

$4.7

$7

$14

The price of a regular pack of beef or meat is around 28 PLN. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

7.5 PLN

10 PLN

15 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.9

$2.6

$3.7

A bag of rice in Wroclaw costs around 10 PLN on average with prices rangeing between 7.5 PLN and 15 PLN depending on the brand and quality.

Bag of tomatos price

2.8 PLN

3.7 PLN

7 PLN

MINIMUM

AVERAGE

MAXIMUM

$0.70

$0.93

$1.8

A bag of tomatoes costs anywhere from 2.8 PLN to 7 PLN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

5 PLN

6.5 PLN

11 PLN

MINIMUM

AVERAGE

MAXIMUM

$1.3

$1.6

$2.7

A bag of apples costs 6.5 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 Wroclaw is around 28%. This means that students spend 28% of their income on grocery and basic household items. The expenditure can range from 19% to 34% depending on salary and location.

Expenditure on food and grocery for students