Buy house Poland as foreigner?

Authored by the expert who managed and guided the team behind the Poland Property Pack

Everything you need to know before buying real estate is included in our Poland Property Pack

Who is the author of this content?

INVESTROPA

A team specialized in real estate investing in European countries

We are a team of financial experts, legal professionals, developers, and local real estate specialists dedicated to helping people like you avoid mistakes when investing in real estate in a foreign place, particularly in Poland. If you'd like to learn more about us, you can check our presentation page.

How this content was created 🔎📝

At INVESTROPA, we explore the Polish real estate market every day. Our team doesn't just analyze data from a distance—we're actively engaging with local realtors, investors, and property managers in cities like Warsaw, Krakow, and Gdansk. This hands-on approach allows us to gain a deep understanding of the market from the inside out.

These observations are originally based on what we've learned through these conversations and our observations. But it was not enough. To back them up, we also needed to rely on trusted resources

We prioritize accuracy and authority. Trends lacking solid data or expert validation were excluded.

Trustworthiness is central to our work. Every source and citation is clearly listed, ensuring transparency. A writing AI-powered tool was used solely to refine readability and engagement.

To make the information accessible, our team designed custom infographics that clarify key points. We hope you will like them! All illustrations and media were created in-house and added manually.

Can foreigners buy property in Poland?

Yes, foreigners can buy property in Poland, but the rules depend on your nationality and the type of property you want to purchase.

EU, EEA, and Swiss citizens enjoy broad access to the Polish property market with minimal restrictions. They can freely purchase residential and commercial properties without special permits or lengthy approval processes.

Non-EU citizens face more complex requirements and typically need government permits for most property purchases, especially houses and land. However, apartments in multi-unit buildings often don't require permits, making urban residential investments more accessible.

As of September 2025, Poland maintains these nationality-based distinctions as part of its foreign investment regulations, though the country remains generally welcoming to foreign property investment.

The Polish government processes thousands of foreign property purchases annually, indicating a well-established system for international buyers.

What are the legal restrictions for foreigners buying property in Poland?

Legal restrictions vary significantly based on your nationality, with EU citizens facing fewer limitations than non-EU buyers.

EU, EEA, and Swiss citizens can purchase residential and commercial properties freely throughout Poland. The main exceptions involve agricultural land and forest land, which require special conditions or permits even for EU citizens.

Non-EU citizens must obtain permits from the Polish Ministry of Internal Affairs and Administration for houses, land, or any property with land attached. This permit requirement applies to standalone houses, plots of land, and properties that include significant land portions.

Apartments in multi-unit buildings represent the most accessible option for non-EU buyers, as these typically don't require government permits. This makes urban apartment investments in cities like Warsaw, Krakow, and Gdansk particularly attractive for non-European investors.

It's something we develop in our Poland property pack.

Do I need to apply for special permission to buy property as a foreigner in Poland?

The need for special permission depends entirely on your nationality and the property type you're purchasing.

EU, EEA, and Swiss citizens don't need special permission for residential or commercial properties, though agricultural and forest land purchases may require additional approvals regardless of nationality.

Non-EU citizens must apply for permission from the Polish Ministry of Internal Affairs and Administration for most property purchases involving land. This includes standalone houses, building plots, and properties with significant land components.

Apartment purchases in multi-unit buildings typically don't require permits for non-EU buyers, making them the simplest entry point into the Polish property market. The permit exemption applies to most urban apartments and condominiums.

The permit application process requires submitting documentation about your identity, the specific property, and your intended use of the property. Approval is usually granted for genuine residential or investment purposes.

How long does the process take for a foreigner to purchase property in Poland?

The timeline for property purchase in Poland varies based on your nationality and whether permits are required.

Buyer Category	Timeline	Key Factors
EU/EEA/Swiss Citizens	1-2 months	Simple financing, no permits needed
Non-EU Citizens (Apartments)	1-2 months	No permit required for most apartments
Non-EU Citizens (Houses/Land)	3-4 months	Permit processing adds 4-8 weeks
Agricultural/Forest Land	4-6 months	Special approvals required
Cash Purchases	Faster timeline	No mortgage approval delays
Mortgage Purchases	Additional 4-6 weeks	Bank approval and processing
Remote Purchases	Standard timeline	Power of attorney required

What is the minimum investment required for a foreigner to buy property in Poland?

Poland doesn't impose any official minimum investment threshold for foreign property buyers, making it accessible to investors with various budget levels.

Property prices in Poland are entirely market-driven, meaning your investment amount depends on location, property type, and market conditions rather than government-imposed minimums.

Small apartments in less central cities start from approximately €30,000-€50,000, while properties in major cities like Warsaw or Krakow command significantly higher prices. Prime locations in Warsaw city center can reach €5,000-€8,000 per square meter.

The absence of minimum investment requirements makes Poland particularly attractive compared to countries with investor visa programs that mandate specific investment thresholds.

Your budget should account for the purchase price plus additional costs of 2-8% of the property value for taxes, notary fees, and registration expenses.

What documents do I need to provide to buy a house in Poland as a foreigner?

Document requirements vary depending on your nationality and whether you need government permits for your property purchase.

1. **Essential Documents for All Buyers:** - Valid passport (EU citizens can use national ID cards) - Proof of funds through recent bank statements - Preliminary purchase agreement or signed contract - Power of attorney if purchasing remotely 2. **Additional Documents for Non-EU Citizens:** - Residency documentation or marriage certificates (if applicable) - Completed permit application forms for the Ministry - Professional translations into Polish or English for foreign documents - Detailed property information and intended use statements 3. **Property-Related Documents:** - Seller's title deed and ownership verification - Land register extract (Księga Wieczysta) - Property survey and technical documentation - Tax clearance certificates from local authorities 4. **Financial Documentation:** - Mortgage pre-approval letters (if financing) - Currency exchange documentation for international transfers - Tax identification numbers for ongoing obligations 5. **Legal Representation Documents:** - Power of attorney for legal representatives - Translation certifications for non-Polish documents - Notarization requirements for international buyers

It's something we develop in our Poland property pack.

Are there restrictions on the type of property I can buy as a foreigner in Poland?

Property type restrictions depend primarily on your nationality and the specific category of real estate you want to purchase.

Residential and commercial properties are generally accessible to all foreigners, though non-EU citizens need permits for houses and land while apartments typically don't require special approvals.

Agricultural land faces the strictest restrictions for all foreigners, including EU citizens. Purchases typically require long-term residency, marriage to a Polish citizen, or special government permission through complex approval processes.

Forest land carries similar restrictions to agricultural property, with limited exceptions for specific use cases or family connections to Poland.

Urban apartments in multi-unit buildings represent the most accessible property type for non-EU buyers, as these purchases typically bypass permit requirements and processing delays.

Do I need a Polish tax identification number (NIP) to buy property?

A Polish tax identification number (NIP) isn't mandatory solely for purchasing property, but it's highly recommended for ongoing tax affairs.

You can complete property purchases without a NIP, as the transaction itself doesn't require this tax identifier for foreign buyers making single investments.

However, obtaining a NIP becomes essential if you plan to rent out your property, use it for commercial purposes, or engage in ongoing business activities in Poland. Property rental income requires proper tax registration.

The NIP also simplifies interactions with Polish authorities, tax offices, and financial institutions for future property-related matters. Many legal experts recommend obtaining one early in the process.

You can apply for a NIP through Polish tax offices, consulates abroad, or authorized representatives, with the process typically taking 1-2 weeks to complete.

What are the costs associated with buying property in Poland, including taxes and notary fees?

Property purchase costs in Poland range from 2-8% of the purchase price, depending on the property type and transaction structure.

Cost Type	Amount	Who Pays
Real Estate Agent Commission	2-6% of property price	Buyer/seller/split arrangement
Notary Fees	0.25-3% + VAT	Buyer
Transfer Tax (PCC)	2% of sale price	Buyer (resale properties only)
VAT	8% (new homes), 23% (commercial)	Buyer (new properties)
Land Registry Fee	PLN 200 (approximately €45)	Buyer
Mortgage Registration	PLN 200 + additional charges	Buyer (if mortgaged)
Legal Representation	1-2% of property value	Buyer (recommended)

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.

How much is the property tax in Poland, and how is it calculated for foreigners?

Property tax in Poland is calculated annually based on property size, type, and location, with rates set by local governments within national maximum limits.

Residential property tax rates typically range from PLN 0.89-1.15 per square meter per year for buildings, while land is taxed at approximately PLN 0.61 per square meter annually.

Foreigners pay exactly the same property tax rates as Polish citizens, with no nationality-based surcharges or discriminatory pricing. Tax obligations begin immediately upon property ownership transfer.

Local municipalities set specific rates within national maximums, so property taxes vary between cities and regions. Warsaw and Krakow typically have higher rates than smaller cities.

Property taxes are generally lower in Poland compared to many Western European countries, making ongoing ownership costs quite manageable for international investors.

Can I get a mortgage as a foreigner to purchase property in Poland?

Foreigners can apply for Polish mortgages, but requirements are typically stricter than for Polish citizens.

EU and EEA citizens generally have easier access to mortgage financing, while non-EU buyers face more stringent requirements and higher down payment demands, typically 20-30% of the property value.

Banks require proof of stable income, employment documentation, and often prefer borrowers with established ties to Poland. Some banks require minimum residency periods or work contracts in Poland.

Interest rates for foreign borrowers may be slightly higher than for Polish citizens, and loan-to-value ratios are often more conservative. Currency risk considerations apply if your income is in a different currency.

It's something we develop in our Poland property pack.

What are the key differences between buying property in Poland and in my home country?

Poland's property market offers several distinct advantages and challenges compared to other international markets.

The permit requirement for non-EU buyers represents a unique aspect not found in many European markets, though apartments often bypass these restrictions making urban investments accessible.

Purchase taxes and fees in Poland are relatively low compared to Western European countries, typically ranging from 2-8% versus 10-15% in countries like France or the UK.

Poland's lack of minimum investment thresholds contrasts with countries that require specific investment amounts for foreign buyers or investor visa programs.

Annual property taxes are generally lower than many Western countries, while the legal system follows continental European civil law traditions rather than common law systems.

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.

Sources

1. Dudkowiak Law Firm - Property Purchase in Poland
2. Expatriate Healthcare - Can a Foreigner Buy a House in Poland
3. LFN Global - Foreign Investor Rules in Poland
4. Investropa - Poland Real Estate for Foreigners
5. Karta Pobytu - Purchasing Real Estate by Foreigners
6. DLA Piper - Ownership Restrictions in Poland
7. Credit Space - Buying Property in Poland as a Foreigner
8. Immigrant Invest - Poland Real Estate Guide
9. Investropa - How to Buy House in Poland
10. Global Property Guide - Poland Buying Guide