Apartment Prices in Poland 2026 — City-by-City Guide
Current apartment prices per m² in major Polish cities in 2026. Compare Warsaw, Kraków, Wrocław, Gdańsk, and Łódź. Mortgage simulations and cost breakdowns for expats and investors.
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A 50m² apartment in Poland in 2026 costs between €85,000 in Łódź and €175,000 in Warsaw (PLN 400,000–800,000). Prices per square meter range from ~PLN 8,000/m² in smaller cities to ~PLN 16,000/m² in Warsaw. After years of rapid growth, the market is stabilizing with 3–5% annual price increases expected through 2026.
Apartment Prices by City — 2026
Poland's housing market has calmed after the dramatic 2023–2024 surge driven by the "Bezpieczny Kredyt 2%" subsidized mortgage program. Prices remain at historic highs but growth has moderated significantly.
Average Price per m² (2026)
| City | Resale Market | New Build |
|---|---|---|
| Warsaw | PLN 15,500–16,500 (~€3,600) | PLN 17,000–19,000 (~€4,200) |
| Kraków | PLN 13,500–14,500 (~€3,200) | PLN 15,000–17,000 (~€3,700) |
| Gdańsk | PLN 13,000–14,500 (~€3,200) | PLN 14,500–16,500 (~€3,600) |
| Wrocław | PLN 12,500–13,500 (~€3,000) | PLN 14,000–16,000 (~€3,500) |
| Poznań | PLN 10,000–11,500 (~€2,500) | PLN 12,000–14,000 (~€3,000) |
| Łódź | PLN 7,500–8,500 (~€1,850) | PLN 9,000–11,000 (~€2,300) |
| Katowice | PLN 7,000–8,000 (~€1,750) | PLN 9,500–11,000 (~€2,400) |
| Lublin | PLN 8,500–9,500 (~€2,100) | PLN 10,000–12,000 (~€2,600) |
EUR conversions at ~PLN 4.30/EUR rate
Cost of a 50m² Apartment (Resale Market)
- Warsaw: PLN 775,000–825,000 (€180,000–192,000)
- Kraków: PLN 675,000–725,000 (€157,000–169,000)
- Gdańsk: PLN 650,000–725,000 (€151,000–169,000)
- Wrocław: PLN 625,000–675,000 (€145,000–157,000)
- Poznań: PLN 500,000–575,000 (€116,000–134,000)
- Łódź: PLN 375,000–425,000 (€87,000–99,000)
Add 4–7% for transaction costs: notary fees, 2% PCC tax (resale only), agent commission (2–3%), and valuation.
How Poland Compares to Western Europe
Poland remains significantly cheaper than Western European capitals:
- Warsaw (€3,600/m²) vs Berlin (€5,500/m²) vs Prague (€5,000/m²) vs Vienna (€6,000/m²)
- Kraków (€3,200/m²) vs Budapest (€3,500/m²) vs Bratislava (€3,800/m²)
However, when you factor in local salaries, affordability tells a different story. The average gross salary in Warsaw (~PLN 9,500/month) means a 50m² apartment costs roughly 7x annual gross income — similar to many Western European cities.
Mortgage Simulation for Expats
Polish banks offer mortgages to foreigners, though requirements are stricter (permanent residency or long-term work permit typically needed). Current conditions in 2026:
- Interest rate: ~7–8% (WIBOR 3M ~5.5% + bank margin ~2%)
- Max LTV: 80–90% (20% down payment recommended)
- Max term: 25–30 years
- Currency: PLN only (foreign currency mortgages banned since 2014)
Example: 50m² apartment in Warsaw (PLN 800,000)
| Scenario | Down Payment | Monthly Payment | Total Cost |
|---|---|---|---|
| 20% down, 25 years | PLN 160,000 | PLN 4,720 | PLN 1,416,000 |
| 20% down, 30 years | PLN 160,000 | PLN 4,480 | PLN 1,613,000 |
| 10% down, 25 years | PLN 80,000 | PLN 5,310 | PLN 1,593,000 |
Example: 50m² apartment in Łódź (PLN 400,000)
| Scenario | Down Payment | Monthly Payment | Total Cost |
|---|---|---|---|
| 20% down, 25 years | PLN 80,000 | PLN 2,360 | PLN 708,000 |
| 20% down, 30 years | PLN 80,000 | PLN 2,240 | PLN 807,000 |
What Drives Apartment Prices in Poland?
Several factors explain the current price levels:
- Interest rates — The NBP reference rate sits at ~5.75%, keeping mortgage costs high and limiting demand
- Supply recovery — Developers are delivering more units, easing pressure on prices
- Wage growth — Polish salaries are growing 7–10% annually, gradually improving affordability
- No active subsidy programs — The Bezpieczny Kredyt 2% ended in late 2023, removing artificial demand
- EU funds and infrastructure — Ongoing metro expansion in Warsaw, new tram lines in other cities boost certain neighborhoods
Tips for Foreign Buyers
If you're an expat or foreign investor considering Polish property:
- Legal requirements: EU citizens can buy freely. Non-EU citizens need a permit from the Ministry of Interior (except for apartments — no permit needed for flats, only for land/houses)
- Notary is mandatory — All property transactions must be notarized. Expect PLN 3,000–10,000 in notary fees
- Land registry (Księga Wieczysta) — Always verify the property's legal status at ksiegiwieczyste.pl
- Property tax is low — typically PLN 500–2,000/year for an apartment
- Building management fees (czynsz) — PLN 400–1,200/month depending on building and amenities
Market Outlook 2026–2027
Analysts expect:
- Price growth of 3–5% annually — well below the 15–20% seen in 2023
- Potential rate cuts in late 2026 could stimulate demand
- Continued urbanization keeps demand strong in major cities
- Remote work sustains interest in smaller cities (Łódź, Lublin) offering better value
FAQ
Can foreigners buy apartments in Poland?
Yes. EU/EEA citizens can buy apartments without restrictions. Non-EU citizens can buy apartments (not land or houses) without a permit. For houses or land, a permit from the Ministry of Interior is required.
Are apartment prices in Poland going up or down?
Prices are still rising but at a much slower pace (3–5% annually in 2026) compared to the 15–20% surge in 2023. A significant correction is unlikely given strong fundamentals, but growth is moderating.
What's the cheapest city to buy an apartment in Poland?
Among major cities, Katowice (PLN 7,000–8,000/m²) and Łódź (PLN 7,500–8,500/m²) offer the lowest prices. Both cities have improving infrastructure and growing job markets, making them attractive for value-oriented buyers.
How much income do I need to buy an apartment in Warsaw?
For an PLN 800,000 apartment with 20% down, you'll need a monthly net income of approximately PLN 9,500–11,000 (€2,200–2,550) to qualify for a 25-year mortgage. Joint income from a couple counts.
Is now a good time to buy in Poland?
The market has stabilized after rapid growth. With potential interest rate cuts on the horizon and steady wage growth improving affordability, 2026 offers a calmer buying environment than 2023–2024. However, high interest rates mean significant mortgage costs.
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