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Poland's real estate market in 2025 shows significant price variations across cities, with Warsaw commanding the highest prices at PLN 16,459 per square meter while smaller towns offer properties below PLN 5,000 per square meter.
Major cities like Warsaw and Kraków have experienced substantial price growth over the past five years, with the national House Price Index reaching record highs, though experts predict more moderate growth ahead as the market stabilizes after years of rapid appreciation.
If you want to go deeper, you can check our pack of documents related to the real estate market in Poland, based on reliable facts and data, not opinions or rumors.
As of mid-2025, Poland's residential property market shows Warsaw leading with prices around PLN 16,400 per square meter, followed closely by Kraków at PLN 15,100 per square meter, while smaller cities like Łódź offer significantly more affordable options at PLN 7,800 per square meter.
The market has experienced substantial growth over the past five years, with prices increasing by 14.4% year-on-year in major cities, though experts forecast more moderate growth of around 4% for 2025 and cumulative growth of 20-23% over the next five years.
| City | Price per m² (PLN) | 50m² Apartment Cost |
|---|---|---|
| Warsaw | 16,459 | 822,950 |
| Kraków | 15,099 | 754,950 |
| Gdańsk | 16,000 | 800,000 |
| Wrocław | 12,675 | 633,750 |
| Poznań | 10,831 | 541,550 |
| Łódź | 7,799 | 389,950 |
| Gdynia | 11,250 | 562,500 |
What's the average house price in Poland today?
Poland's residential property market in 2025 shows significant price variations depending on location and property type.
Most market data focuses on price per square meter for apartments rather than whole house prices, as apartments dominate urban transactions. In Warsaw, the average price reaches PLN 16,459 per square meter for existing properties, while Kraków follows closely at PLN 15,099 per square meter.
For a typical 60-square-meter apartment in Warsaw, you're looking at approximately PLN 987,540, while the same size property in Kraków would cost around PLN 905,940. These figures represent the secondary market for existing properties as of the first quarter of 2025.
Houses outside major cities are less commonly tracked in official statistics, but prices drop significantly in rural areas where properties can be found for under PLN 5,000 per square meter.
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How much does it cost on average per square meter for different property types?
Property prices per square meter vary significantly between new developments and existing properties across Polish cities.
| City | Secondary Market (PLN/m²) | Primary Market (PLN/m²) |
|---|---|---|
| Warsaw | 16,459 | 16,383 |
| Kraków | 15,099 | 15,686 |
| Wrocław | 12,675 | 14,257 |
| Poznań | 10,831 | 12,328 |
| Łódź | 7,799 | 9,781 |
| Gdańsk | 11,000-16,000 | 15,000-18,000 |
| Gdynia | 11,000 | 11,500 |
What's the price difference between major cities and smaller towns?
The price gap between Poland's major cities and smaller locations is substantial and continues to widen.
Major cities like Warsaw, Kraków, and Gdańsk command prices between PLN 12,000 to over PLN 16,000 per square meter for apartments. Medium-sized cities such as Łódź, Poznań, and Szczecin typically range from PLN 9,000 to PLN 12,000 per square meter.
Small towns and rural areas offer significantly lower prices, often between PLN 3,000 to PLN 5,000 per square meter for older properties. New developments in smaller cities can reach PLN 7,000 to PLN 9,000 per square meter, depending on location and amenities available.
This price differential reflects differences in employment opportunities, infrastructure quality, and overall demand. Warsaw's central districts can exceed PLN 22,000 per square meter, while rural properties might cost less than PLN 3,000 per square meter.
What are the most expensive neighborhoods and what makes them so pricey?
Poland's most expensive residential areas are concentrated in city centers and premium districts of major metropolitan areas.
Warsaw's Śródmieście district leads the market with average prices of PLN 22,515 per square meter, driven by proximity to business centers, government offices, and cultural attractions. The limited supply of new development land in central Warsaw keeps prices elevated.
Kraków's Old Town and adjacent historic districts command premium prices due to their UNESCO World Heritage status, tourism appeal, and strict development restrictions that limit new supply. These areas attract both local affluent buyers and international investors.
Gdańsk's Wrzeszcz district has become increasingly expensive due to high rental yields, proximity to universities, and strong demand from students and young professionals. The area offers excellent public transport connections and modern amenities.
These premium locations share common characteristics: excellent infrastructure, high-quality services, limited development potential, and strong demand from both domestic and international buyers.
Which areas are considered up-and-coming or offer the best value for money?
Several Polish locations currently offer excellent investment potential and value propositions for property buyers.
Gdańsk's Wrzeszcz district stands out for its high rental yields and strong demand from the student population. The area benefits from ongoing development projects and excellent transport links to the city center and university campuses.
Łódź presents exceptional value with lower entry prices compared to other major cities, coupled with ongoing urban regeneration projects and improving infrastructure. The city's strategic location between Warsaw and Wrocław enhances its long-term prospects.
Szczecin offers consistent price growth and a lower cost base compared to larger cities, making it attractive for long-term investment strategies. The city benefits from its proximity to Germany and developing port infrastructure.
Suburban areas around major cities are experiencing rapid appreciation as remote work trends continue. Family-sized apartments and houses in these locations offer better value than city centers while maintaining good transport connections.
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Can you give me example prices for a 50 sqm apartment in different cities?
Here are specific price examples for a 50-square-meter apartment across Polish cities as of mid-2025.
In Warsaw, a 50-square-meter apartment in the secondary market costs approximately PLN 822,950, while a new apartment costs PLN 819,150. The similarity in prices reflects strong demand for both existing and new properties in the capital.
Kraków offers slightly lower prices with a 50-square-meter existing apartment costing PLN 754,950, while new developments average PLN 784,300 for the same size. The premium for new construction is more pronounced in Kraków than Warsaw.
Łódź provides the most affordable option among major cities, with existing 50-square-meter apartments priced at PLN 389,950 and new apartments at PLN 489,050. This represents roughly half the cost of equivalent properties in Warsaw or Kraków.
These examples demonstrate the significant cost savings available by choosing medium-sized cities over major metropolitan areas for property investment.
What's the total cost of buying property in Poland including all fees?
Property purchase costs in Poland extend well beyond the advertised price, with additional fees typically adding 5-6% to the total investment.
| Fee Type | Secondary Market | Primary Market |
|---|---|---|
| Purchase Tax | 2% of property value | None (VAT applies) |
| VAT | Not applicable | 8% for residential |
| Notary Fees | 0.5-1% of value | 0.5-1% of value |
| Agent Commission | 2-3% of value | 2-3% of value |
| Registration Fees | ~PLN 200 | ~PLN 200 |
| Legal Fees | PLN 2,000-5,000 | PLN 2,000-5,000 |
| Technical Inspection | PLN 1,000-3,000 | Usually included |
For a PLN 800,000 apartment purchase in the secondary market, expect additional costs of PLN 40,000 to PLN 48,000, including PLN 16,000 in purchase tax, PLN 8,000 in notary fees, and PLN 16,000 to PLN 24,000 in agent commissions.
How have house prices changed over the past 5 years and last 12 months?
Poland's residential property market has experienced dramatic price appreciation over recent years, with particularly strong growth in major cities.
Over the past five years, the national House Price Index has reached record highs of 211.65 points in Q4 2024, representing an increase from approximately 125 points in 2020. This reflects cumulative price growth of nearly 70% across the national market.
The last 12 months have seen residential property prices in major cities increase by 14.4% year-on-year as of June 2025. However, this growth rate represents a moderation compared to the exceptional increases seen in 2023 and early 2024.
Some central districts in Warsaw and Kraków have actually experienced slight price declines in recent months, suggesting that premium locations may be reaching a temporary plateau. This cooling reflects affordability constraints and tighter lending conditions rather than fundamental market weakness.
It's something we develop in our Poland property pack.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Poland versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you're planning to invest there.
What's the price forecast for the Polish housing market?
Poland's residential property market outlook shows continued growth at more moderate rates than the exceptional increases of recent years.
For 2025, experts predict price stabilization or modest growth of around 4%, as the market adjusts to higher interest rates and improved affordability following recent rapid appreciation. This represents a significant cooling from the double-digit growth rates of 2023-2024.
The five-year forecast suggests cumulative price growth of 20-23% by 2029, driven by gradually easing mortgage rates and persistent housing shortages across major urban centers. This translates to average annual growth of approximately 4-4.5% over the period.
Long-term structural factors support continued upward price pressure, including urbanization trends, limited developable land in city centers, and strong demographic demand. However, the pace of growth is expected to moderate as supply gradually increases and affordability constraints become more binding.
Regional variations will likely persist, with secondary cities potentially outperforming major metropolitan areas as buyers seek better value propositions.
What are the smartest investment strategies for different purposes?
Successful property investment in Poland requires tailored strategies based on your specific objectives and market conditions.
1. **Buy to live strategies**: Focus on family-friendly suburban areas with good transport links, schools, and growing infrastructure. Areas around Warsaw, Kraków, and Gdańsk offer excellent quality of life with reasonable commuting times.2. **Short-term rental strategies**: Target tourist-heavy districts in major cities or business areas with high visitor traffic. Consider Airbnb-style rentals in historic city centers or near major conference facilities and airports.3. **Long-term rental strategies**: Invest in high-yield areas near universities or business hubs, such as Gdańsk's Wrzeszcz district. Student accommodation and young professional housing offer stable rental income streams.4. **Resale investment strategies**: Look for areas with strong development pipelines, planned infrastructure projects, or gentrification potential. Emerging neighborhoods in major cities often provide the best appreciation prospects.5. **General investment principles**: Modern, energy-efficient properties with smart home features are appreciating fastest and commanding premium rents. Properties with good public transport access consistently outperform isolated locations.How does the mortgage system work and what are typical payments?
Poland's mortgage market in mid-2025 offers various financing options with interest rates around 5.25%, expected to decrease gradually throughout the year.
For a typical mortgage example, a PLN 542,347 loan over 27 years with a fixed rate of 7.28% for the first five years results in monthly payments of PLN 3,822. However, most lenders now offer more competitive rates closer to 5.25% for qualified borrowers.
Affordability remains challenging in major cities. In Warsaw, purchasing a modest 57-square-meter apartment requires a 20% deposit that would take approximately five years to save using half the average local salary.
Banks typically require a minimum 10-20% down payment, though some programs offer higher loan-to-value ratios for first-time buyers. Income verification and creditworthiness assessments follow EU banking standards, with most loans denominated in Polish zloty to avoid currency risk.
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How do Polish cities compare with similar European cities?
Polish property prices remain competitive compared to similar-sized cities across Central and Eastern Europe, though gaps are narrowing.
| City | Avg. Price (EUR/m²) | Notes |
|---|---|---|
| Warsaw | ~3,800 | Central districts over 5,000 EUR/m² |
| Kraków | ~3,600 | Old Town areas significantly higher |
| Gdańsk | ~3,700 | Prime locations over 4,000 EUR/m² |
| Prague | ~4,300 | Central districts over 5,000 |
| Budapest | ~2,800 | Central districts up to 4,000 |
| Bucharest | ~1,800 | Central areas up to 2,500 |
| Vienna | ~6,500 | Premium Western European pricing |
Poland's major cities are generally more expensive than Bucharest and Budapest but remain more affordable than Prague and significantly cheaper than Western European capitals like Vienna or Berlin.
Conclusion
This article is for informational purposes only and should not be considered financial advice. Readers are advised to consult with a qualified professional before making any investment decisions. We do not assume any liability for actions taken based on the information provided.
Poland's residential property market in 2025 presents a compelling mix of opportunities and challenges for potential buyers and investors.
While major cities like Warsaw and Kraków command premium prices, they offer strong fundamentals and growth prospects, while emerging markets like Łódź and regional centers provide excellent value propositions for those willing to look beyond the capital.
Sources
- Global Property Guide - Poland Price History
- InvestRopa - Poland Price Forecasts
- Finding Poland - Apartment Prices
- InvestRopa - Poland Real Estate Market
- Properstar - Krakow House Prices
- PTI Returns - Polish Property Tax Guide
- Trading Economics - Poland Housing Index
- Savills - Five Year Forecast
- Bank Millennium - Mortgage Information
- Numbeo - Property Investment Rankings