Single · Comfortable · $3,000/mo

LomzaOverall winner

Lomza is approximately 21% less expensive than Opole based on cost of living including rent. This makes Lomza a more budget-friendly option for expats considering a move.

Lomza has a FIRE Score of 82/100, indicating its suitability for financial independence and early retirement. The city's safety index is 25, suggesting moderate safety levels.

Recommended profile: Lomza is ideal for GeoArbitragers and remote workers looking to maximize savings.

Side by side

Best in row

Poland

Lomza

Normal Precautions
FIRE82

Poland

Opole

Normal Precautions
FIRE82
Cost
Cost of living index
Best in row. 42.1
46.5
One person, excluding rent
Best in row. $653/mo
$721/mo
Family of four, excluding rent
Best in row. $2,358/mo
$2,604/mo
Total monthly, rent included
Best in row. $916/mo
$1,262/mo
Monthly savings
Best in row. $2,084/mo
$1,738/mo
Housing
1BR, city centre
Best in row. $487
$588
1BR, outside centre
Best in row. $282
$555
3BR, city centre
Best in row. $615
$985
3BR, outside centre
Best in row. $410
$853
Scores
FIRE score
Best in row. 83/100
80/100
Nomad score
22/100
Best in row. 38/100
Retiree score
62/100
Best in row. 71/100
Overall score
82/100
82/100
Safety & infrastructure
Safety index
25
Best in row. 81.8
Internet speed
30 Mbps
Best in row. 90 Mbps
Walkability score
-
-

Estimates from published local prices. N/A means no figure is published for that city.

About these cities

About Lomza

Lomza is Poland's second-city value play, not the capital. A budget lifestyle runs $690 a month, with a one-bedroom outside the center at $282. Choose it if FIRE math beats social infrastructure: the expat community is very few and English proficiency is limited, so daily errands need Polish. Digital nomads should weigh that against the 30 Mbps internet.

About Poland

Poland offers no retirement visa, and a digital nomad visa is not available, so long-term residency requires a separate work or business route despite a clear path to citizenship. Budget-focused expats should look past that friction: rent runs just $757.57/mo in city centers and monthly costs excluding rent sit at $812.3. High safety (71) and a large expat community make the bureaucratic tradeoff worthwhile for those prioritizing cost over ease of entry.

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Lomza vs Opole -- Frequently Asked Questions

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