Cost of Living & Salary Comparison 2026
Yes, Warsaw is 54% cheaper than Toronto based on our cost of living index. Warsaw has a COLI of 28.4, while Toronto has a COLI of 62.3. 54% cheaper
Overall, Warsaw is approximately 54% cheaper than Toronto based on our cost of living index. Toronto has a COLI of 62.3 (ranked #40 of 182 cities), while Warsaw has a COLI of 28.4 (ranked #87).
When it comes to housing, one-bedroom apartment rent in Toronto averages $2,000/month compared to $700/month in Warsaw. That makes Warsaw approximately 65% cheaper for rent alone.
Warsaw has lower total deductions (21.4%) compared to Toronto (31.6%), meaning you keep more of your gross salary in Warsaw. When evaluating a relocation, remember that total deductions directly impact your take-home pay and should be weighed alongside cost of living differences.
Full breakdown of mandatory payroll deductions for a mid-range salary as a local employee in each city.
Rates shown for local employees. Expat deductions may differ — use the main converter for personalized calculations.
If you earn C$101,544 in Toronto, you would need approximately zł 133,874 in Warsaw to maintain the same purchasing power. That is 54% less thanks to lower cost of living.
Estimated mid-level annual salaries in local currency, adjusted for each city's cost of living:
| Job Title | Toronto (CAD) | Warsaw (PLN) |
|---|---|---|
| Doctor (General) | C$151,828 | zł 200,169 |
| Software Engineer | C$71,697 | zł 94,524 |
| Product Manager | C$84,349 | zł 111,205 |
| Lawyer | C$84,349 | zł 111,205 |
| Data Scientist | C$80,131 | zł 105,645 |
| Marketing Manager | C$60,731 | zł 80,067 |
| Teacher | C$40,487 | zł 53,378 |
| Nurse | C$48,922 | zł 64,499 |
Salary estimates are adjusted by each city's COLI relative to the New York baseline. Actual salaries vary by company, experience, and industry.
| Neighborhood | Multiplier |
|---|---|
| Yorkville | 1.30x (+30%) |
| Forest Hill | 1.28x (+28%) |
| King West | 1.22x (+22%) |
| Downtown Core | 1.18x (+18%) |
| Distillery District | 1.15x (+15%) |
| Neighborhood | Multiplier |
|---|---|
| Śródmieście (Centre) | 1.25x (+25%) |
| Wilanów | 1.18x (+18%) |
| Żoliborz | 1.15x (+15%) |
| Stary Mokotów | 1.15x (+15%) |
| Mokotów | 1.12x (+12%) |
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Open Salary ConverterToronto is more expensive overall. Toronto has a COLI of 62.3 while Warsaw has a COLI of 28.4, making Warsaw approximately 54% cheaper.
To maintain the same standard of living as C$101,544 in Toronto, you would need approximately zł 133,874 in Warsaw.
Average one-bedroom rent in Toronto is $2,000/month compared to $700/month in Warsaw. Warsaw has lower rent by approximately 65%.
Warsaw has lower total deductions (21.4%) compared to Toronto (31.6%), meaning you keep more of your gross salary in Warsaw.
Cost of living indices (COLI) are benchmarked to New York City = 100 and derived from Numbeo and Expatistan crowd-sourced price surveys, cross-referenced with national statistics agencies. Rent data from Numbeo Property Prices.
Salary ranges are compiled from the U.S. Bureau of Labor Statistics (OES), Glassdoor, and PayScale. Tax rates are approximate effective rates for mid-range earners based on OECD Taxing Wages and national tax authorities. Exchange rates from the European Central Bank. Neighborhood multipliers are estimated from local rental indices and property data.
Last updated: 2026-02-28. Data is refreshed periodically. All figures are estimates for informational purposes only.