Skyline of Włocławek
Cost of Living: 72 109,347

Włocławek, Poland

A historic city on the Vistula River, known for its ceramics industry, Gothic cathedral, and the Włocławek Dam hydroelectric plant.

Updated September 12, 2026

Overview

Włocławek is a city in Kuyavian-Pomeranian with a population of 109,347. A historic city on the Vistula River, known for its ceramics industry, Gothic cathedral, and the Włocławek Dam hydroelectric plant. Housing is more affordable than the national average. The overall cost of living is below the national average. Gardening thrives here — the 5a growing zone supports Cool — many vegetables, some fruit trees. Reported crime rates are relatively low.

Last updated: September 12, 2026

Cost of Living 72

Below Average vs Poland Avg (100)

Housing Index 65

Affordable

Median Income zł 42,000

Household income

Unemployment 6.0%

Job market health

Włocławek vs Poland Average

Cost of Living
Włocławek: 72
Poland Avg: 100
Housing Index
Włocławek: 65
Poland Avg: 100
State Income Tax
Włocławek: 12%

Taxes

  • State Income Tax: 12.0%
  • Sales Tax: 23.0%

Economy & Jobs

  • Median Income: zł 42,000
  • Unemployment: 6.0%
  • Population: 109,347

Climate

  • Sunny Days: 158/year
  • Summer High: 75°F
  • Winter Low: 23°F
  • Farming Zone: USDA Zone 5a

Housing

  • Median Home: zł220,000
  • 1BR Rent: zł1400/mo

Not sure this is the right city?

Take our 2-minute quiz to discover the best cities for your lifestyle and budget.

Take the Quiz

Cost of Living

Włocławek's cost of living index is 72 (Poland average = 100).

CategoryWłocławekNational AverageDifference
Overall72100-28.0%
Housing65100-35.0%

Data source: GUS / Numbeo, 2026

Housing Market

MetricValue
Median Home Pricezł220,000
Median Rent (1BR)zł1400/mo
Median Rent (2BR)zł1,750/mo
Price per Sq Ftzł146

Data source: OLX / Numbeo, 2026

True Cost of Home Ownership

True Cost of Home Ownership

See what you'll really pay over 30 years

%
$90,000 down
%
%

Utilities

Estimated monthly utility costs for a typical household in Włocławek:

UtilityEstimated Monthly CostNotes
Electricityzł250
Heating & Coolingzł136Estimated based on local climate.
Cooling (AC)N/AEstimated based on local climate and electricity rates
Waterzł80Includes sewer
Internet (100+ Mbps)zł60Broadband average
Garbage / Trashzł30Private service
Total Utilitieszł556Monthly estimate (including heating & cooling)

Data sources: URE, PGE, Tauron 2025

Remote Work Score

Włocławek scores —/100 for remote work readiness:

Cost of Living
72
Rent
zł1400
Sunny Days
158
Tax
12%
Unemployment
6.0%
Climate
75°F / 23°F
Safety
0.7 homicides/100k
Population
109,347
Internet Speed
120 Mbps

Climate

Włocławek has a varied climate with distinct seasons.

MonthAvg HighAvg LowRainfall
January43°F23°F2.5"
April60°F38°F2.8"
July75°F50°F1.5"
October55°F41°F2.2"
USDA Zone 5a

Cool — many vegetables, some fruit trees

Natural Hazards

Włocławek faces the following natural hazards:

Blizzard High Risk

Poland experiences severe winter storms.

Earthquake Moderate Risk

Moderate seismic activity with occasional earthquakes.

Flood Moderate Risk

River flooding along Vistula and Oder.

Landslide Moderate Risk

Carpathian and Sudetes region with landslides.

Tornado Moderate Risk

Poland experiences occasional tornadoes.

Avalanche Moderate Risk

Carpathian and Sudetes region with avalanches.

Based on historical records and geographic risk assessment.

Taxes

  • State Income Tax: 12%
  • Sales Tax: 23%
  • Property Tax: ~0.1% of assessed value

Economy & Jobs

Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 6.0%.

Crime & Safety

Crime rates in Włocławek per 100,000 residents:

26.7
Violent Crime
425.0
Property Crime
0.7
Homicide

City-level crime data is not available for this location. The figure shown is the national average, which may differ significantly from actual conditions in this city.

Data source: Eurostat

Schools & Education

Total Schools

Academic Schedule

School Hours 8:00 AM – 3:00 PM
Academic Year September to June
Term System Semester — Fall (Sep-Jan), Spring (Feb-Jun)
Summer Break Late June to September (10 weeks)
Winter Break December to January (2 weeks)
Spring Break January/February (2 weeks, winter break by voivodeship)

Winter break is staggered across voivodeships in January/February.

Demographics

The population of Włocławek is diverse. The figures below show the ethnic, educational, and religious composition of the local population.

Ethnicity

Non-Polish
0.0%
Polish
100.0%

Education

Religion

Ethnicity data is based on citizenship (Polish vs non-Polish) from the 2021 Polish census. Poland is approximately 97% ethnically Polish, so citizenship serves as a close proxy for ethnicity.

Data source: Główny Urząd Statystyczny (GUS) Census 2021 (2021)

Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.

Frequently Asked Questions

What is the cost of living in Włocławek, Poland?

The cost of living index in Włocławek is 72, which is Lower the Poland national average of 100.

How much does it cost to buy a home in Włocławek?

The median home price in Włocławek is zł220,000. The housing index is 65.

What is the average rent for a 1-bedroom apartment?

The average rent for a 1-bedroom apartment in Włocławek is approximately zł1400/mo.

Does Włocławek, KP have income tax?

Włocławek is in KP, which has an income tax rate of 12%.

What is the climate like in Włocławek?

Włocławek enjoys approximately 158 sunny days per year. Summer highs reach around 75°F, while winter lows can drop to around 23°F.

Data Sources

  • Cost of Living: GUS / Numbeo, 2026
  • Housing Data: OLX / Numbeo, 2026
  • Income & Employment: GUS Labour Force Survey, 2024
  • Utilities URE, PGE, Tauron 2025

Data last updated: September 13, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.