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
Why is Poland emerging as a prime destination for property investment in 2025? Is it the robust rental yields, the thriving economy, or the affordability compared to other European markets? What are the key advantages for investors?
We get asked these questions all the time because we’re on the ground, working closely with developers, real estate agents, and investors like you. With so much interest in this market, we’ve decided to turn our individual answers into a comprehensive article for everyone to benefit from.
Our goal is to provide a clear case for investing in Poland's real estate market, backed by our firsthand experience and market knowledge.
If you think we missed an important point in our content or want to know more, don’t hesitate to reach out (we answer super fast). Your feedback makes our content even stronger.
Finally, please note that this is not financial or investment advice. Investing in real estate carries inherent risks, and market conditions can change unexpectedly. We strongly encourage you to conduct thorough research and consult with a qualified financial advisor before making any investment decisions.
How this content was created 🔎📝
1) There are many students and young professionals in Poland, making it easy for you to find renters
The Polish rental market is thriving, thanks to a surge in students and young professionals.
In 2023, over 1.2 million students enrolled in Polish universities, a jump from the previous year. This influx naturally fuels the demand for rentals, as students often prefer living close to their campuses. The vibrant student life in cities like Warsaw and Kraków makes these areas particularly attractive for student renters.
International students are also flocking to Poland, with their numbers nearly doubling from 2014/15 to 2021/22. A significant portion of these students hail from Ukraine, and they typically seek rental housing, adding more pressure to the market. This trend is evident in cities with renowned universities, where international students contribute to a diverse and dynamic community.
Young professionals are another key driver of the rental market's strength. Many are drawn to urban centers such as Warsaw, Kraków, and Wrocław, where job opportunities are plentiful. These cities are experiencing economic growth, which attracts young talent and increases the demand for rental properties. The vibrant cultural scene and modern amenities in these cities make them appealing places to live and work.
In Warsaw, for instance, the tech and finance sectors are booming, offering numerous career opportunities for young professionals. This economic vitality not only attracts local talent but also professionals from other countries, further boosting the rental market. The city's blend of historical charm and modern infrastructure makes it a magnet for those seeking a dynamic urban lifestyle.
With a strong influx of students and professionals, the rental market in Poland remains robust, offering a variety of opportunities for property investors. The combination of educational and economic factors creates a stable environment for rental property demand, ensuring a steady stream of potential tenants.
Sources: Stat.gov.pl, Erudera, JLL Report
2) With strong economic growth, Poland offers a stable real estate market
Poland's economy is booming, making it a great time to consider buying property there.
In 2024, Poland's real GDP grew by 3.0%, and it's expected to rise by 3.6% in 2025. This growth is fueled by strong private consumption and investment, including EU-funded projects and reconstruction after the September 2024 floods. These factors create a stable environment for real estate investments.
Foreign investors are also taking notice. Poland jumped 10 spots in the EY European Attractiveness Survey, now ranking 6th in Europe for FDI. In 2023, the country attracted 229 FDI projects, which, while slightly fewer than the previous year, still highlight its strong position. These investments are vital as they generate new jobs, with Poland ranking fourth in Europe, adding 22,400 new jobs, a 21% increase from 2022.
The real estate market in Poland is set to grow by 5.31% from 2024 to 2029. This is driven by a rising demand for modern and luxurious properties, along with ongoing foreign investment and government support. The Polish government has rolled out policies to attract foreign investment in real estate, offering tax incentives and simplified regulations, making it an appealing option for both local and international buyers.
For those eyeing a property purchase, Poland's combination of economic growth, job creation, and government incentives makes it a compelling choice. The country's strategic location in Europe and its robust infrastructure further enhance its attractiveness as a real estate investment destination.
Sources: European Commission, Trade.gov.pl, Statista
From this video, we realize that Poland's stable economic growth is a key factor supporting the real estate market, as explained with recent lending data and trends.
3) A lot of people want homes in Poland because it’s a key business location
Poland's central position in Europe makes it a magnet for international business, driving up housing demand.
In 2023, Poland saw a surge in foreign investments, hitting over EUR 7.4 billion, almost double from the previous year. A standout example is Intel's massive USD 4.6 billion investment in a semiconductor plant, which is set to create over 2,000 jobs. This influx of capital is reshaping the landscape, making Poland a hotspot for tech and innovation.
The tech sector is booming, now making up 8% of Poland's GDP and employing over 430,000 people. Gdansk hosts one of Intel’s largest R&D centers in Europe, with over 4,500 employees. This growth is attracting more expatriates and international workers, with the tech industry alone expected to create up to 600,000 jobs, especially in areas like big data analytics.
Poland's infrastructure is on the rise, with projects like the Centralny Port Komunikacyjny (CPK) enhancing links to other European countries. This is set to boost trade and, in turn, increase demand for housing and commercial spaces. Being part of the EU also gives Poland access to a vast market and financial resources, like the EUR 82.5 billion aimed at boosting economic competitiveness.
Warsaw and Gdansk are evolving into business hubs and tech parks, drawing in international companies and talent. Public policies are supporting this growth by fostering industry clusters and strengthening academia-business ties. The demand for office and commercial spaces is climbing as more global companies and high-tech industries set up shop.
Sources: Trade.gov.pl, Industry Insider, Caspian One
In this video, we can see that Poland's strategic location in Europe boosts its appeal as a hub for international business, significantly impacting housing demand.
4) The Polish government’s urban regeneration projects are boosting property values
The Polish government is actively investing in urban regeneration to boost the economy and real estate market.
In late 2023, the newly elected government rolled out several economic programs, including urban regeneration initiatives, to stimulate growth. One of the main reasons for this focus is the rising property prices in areas undergoing regeneration. Take the Poznań Cavallia project, for instance. It's revitalizing historic buildings and adding modern residential and commercial spaces, which is expected to significantly increase property values. This project embraces the '15-minute cities' concept, ensuring all necessary services are within a short distance, a factor that typically boosts property prices.
Projects like Poznań Cavallia and Wrocław River Point are not just about sprucing up old buildings. They are about enhancing the unique character of districts and increasing property values. These initiatives breathe new life into historic areas while incorporating sustainable features like solar panels and rainwater harvesting, making them attractive to both investors and residents.
In Poznań, the Cavallia project is a prime example of how urban regeneration can transform a neighborhood. By blending the old with the new, it not only preserves the historical charm but also creates a modern living environment. This approach is drawing attention from potential buyers who value both tradition and innovation.
Wrocław River Point is another standout project, showcasing how urban regeneration can lead to increased property values. By focusing on sustainability and community, these projects are setting a new standard for urban living in Poland.
Sources: Poland Weekly, Chambers Practice Guides, YouTube
5) With more people working remotely, suburban and rural properties in Poland are becoming more popular
The rise of remote work has significantly increased interest in suburban and rural properties in Poland.
People are now looking for larger living spaces to set up home offices, thanks to the shift towards working from home. Suburban areas are particularly appealing because they offer bigger homes and decent commuter infrastructure, making them a top choice for remote workers.
Poland is also making strides in high-speed internet infrastructure, especially in rural regions. This means remote workers can enjoy reliable internet access, which is essential for both work and daily life. With better connectivity, rural living becomes not just possible but attractive, supporting remote work, e-learning, and online services.
Many companies in Poland are now embracing permanent remote work policies, which is pushing more people to consider moving to suburban and rural areas. This shift in work culture allows for more flexible living arrangements, often away from the hustle and bustle of city life.
These changes have led to a noticeable increase in interest in properties outside urban centers. The combination of larger living spaces, improved internet, and flexible work policies is making suburban and rural living more appealing than ever.
Sources: Rural Insights, Poland Daily 24
We believe this video illustrates the growing appeal of suburban areas around Warsaw, particularly driven by remote work trends.
6) With low unemployment, Poland’s housing market is strong
Poland's unemployment rate was impressively low at 3.5% in 2023, which is great news for anyone considering buying property here.
With more people employed, stable incomes become the norm, making it easier for folks to buy or rent homes. This job security encourages people to invest in housing, which in turn boosts demand and keeps the market lively.
On top of that, Poland's economy grew by 4.5% in 2023, which means people are spending more, including on homes. As incomes rise, so does disposable income, allowing people to upgrade their living situations and further energize the housing market.
The construction sector is buzzing with activity, thanks to both public and private investments. This growth in building new homes and apartments is a clear sign of a thriving housing market. Plus, low-interest rates on mortgages make it easier for people to borrow money to buy homes, adding more fuel to the market's growth.
For those eyeing a property purchase, it's worth noting that the construction boom is not just about quantity; quality is also on the rise, with modern amenities becoming standard in new builds.
Sources: Statistics Poland (GUS), National Bank of Poland (NBP), Polish Investment and Trade Agency (PAIH)
7) You’ll find more growth potential in Poland’s property market compared to Western Europe because it’s less saturated
In 2023, the Polish real estate market stood out with significantly lower property prices compared to Western Europe.
For those eyeing investment, Poland offers a sweet deal with higher rental yields. Imagine rents that comfortably exceed mortgage payments, making it a haven for investors chasing steady income.
Fast forward to 2024, and you'll notice a surge in foreign interest, especially from Ukrainian and Belarusian buyers. This influx of capital is a testament to Poland's growing appeal on the international stage.
What's more, the Polish government is rolling out the red carpet for property developers. With programs like "Czyste Powietrze," they're pushing for energy-efficient upgrades, which is a win-win for both the environment and the market.
These government incentives are not just about going green; they're about fueling growth and boosting the real estate sector. It's a strategic move that keeps the market vibrant and full of potential.
So, if you're considering a property purchase, Poland's market is less crowded than its Western counterparts, offering ample room for growth and investment opportunities.
Sources: Global Property Guide, Varso Invest, Chambers Practice Guides
We found a recent and reliable video by a real estate expert that highlights ten compelling reasons why Poland's real estate market offers growth opportunities compared to Western Europe.
8) With Poland’s rich cultural heritage, you can easily rent out your property short-term to tourists
Poland's rich cultural heritage is a magnet for tourists, boosting short-term rental opportunities.
In 2023, Poland welcomed nearly 19 million international visitors, a 19.1% jump from the previous year. This surge in tourism is a boon for short-term rentals, especially in cities like Kraków, Warsaw, and Gdańsk. These cities are not just popular; they are cultural hubs with historical sites, museums, and events that draw crowds.
Platforms like Airbnb are seeing high occupancy rates in Poland, a clear sign of the strong demand for short-term stays. Tourists are flocking to experience Poland's cultural richness, and the rise of low-cost airlines flying to Poland has made it even more accessible. This accessibility is a key factor in the growing number of tourists and the subsequent boom in short-term rentals.
In Kraków, for instance, the allure of the Wawel Castle and the historic Old Town keeps the rental market buzzing. Warsaw's vibrant mix of modernity and history, with attractions like the Royal Castle and the Warsaw Uprising Museum, makes it a hot spot for visitors. Meanwhile, Gdańsk offers a unique blend of maritime history and stunning architecture, further fueling the rental demand.
These cities are not just about history; they host numerous cultural events and festivals that keep the tourist numbers high year-round. This constant influx of visitors means that property owners can capitalize on the steady demand for short-term rentals, making it a lucrative investment.
With Poland's cultural appeal and improved accessibility, the short-term rental market is thriving, offering a promising opportunity for property investors. Tourists are not just visiting; they are staying longer, exploring deeper, and contributing to a vibrant rental market.
Sources: CEIC Data, EIR 2023 Poland, My Lighthouse
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of Poland. As you can see, it breaks down price ranges and property types for popular cities in the country. We hope this makes it easier to explore your options and understand the market.
9) Poland’s booming tech industry means more young professionals are looking for homes
Poland's tech industry is booming, especially in cities like Warsaw and Krakow.
This surge is fueled by a favorable business environment and a wealth of skilled talent, drawing many young professionals to these urban hubs. The rise in tech startups is a major driver, attracted by Poland's supportive climate and skilled workforce. Big names like Google, Amazon, and Microsoft have also expanded their operations here, adding to the tech buzz.
Foreign direct investment is another key player, with Intel's $4.6 billion investment in a semiconductor plant creating thousands of jobs and solidifying Poland's role in Europe's tech landscape. This influx of investment and job opportunities is a magnet for young professionals.
The demand for rental properties in tech-heavy areas has skyrocketed. Take Wola in Warsaw, for example, which has transformed from a construction zone to a vibrant district filled with tech professionals seeking housing. This shift is a direct result of the tech industry's growth and the influx of young talent.
Sources: Trade.gov, PAIH, The Finanser, Mordor Intelligence
10) With low property taxes, it’s cheaper for you to own real estate here
Poland boasts some of the lowest property tax rates in Europe, making it an attractive option for potential homeowners.
In 2024, if you're eyeing a cozy apartment or a sprawling house, you'll find that the maximum real estate tax rates in Poland are quite reasonable. For residential spaces, it's just PLN 1.15 per square meter. If you're thinking about a business venture, the rate is PLN 33.10 per square meter for commercial buildings. Other types of buildings come in at PLN 11.17 per square meter. These figures are a breath of fresh air compared to what you'd face in many other European countries.
Experts in the financial world often highlight Poland's tax-friendly environment as a key reason why owning property here is so cost-effective. This favorable setup is not just a local secret; it's drawing attention from foreign investors who see the potential for growth in the Polish real estate market.
For expatriates and locals alike, the affordability of owning property in Poland is a common topic of conversation. Many attribute this to the country's low property taxes, which make the dream of owning a home more attainable.
With such attractive tax rates, it's no wonder that Poland is becoming a hotspot for those looking to invest in real estate. Whether you're planning to settle down or expand your investment portfolio, Poland's property market offers a promising landscape.
Sources: KPMG, The Luxury Playbook, Statista, Okeask, Euronews
11) With healthcare getting better, Poland is becoming a more attractive place to live
Poland is becoming an increasingly attractive place to live, thanks to significant improvements in its healthcare system.
In 2024, the Polish government made a bold move by allocating over €4.4 billion from the Recovery and Resilience Facility to modernize healthcare infrastructure. This means hospitals and clinics are getting the latest technology, transforming the sector into a more efficient and modern system.
There's a noticeable increase in the number of hospitals and clinics being upgraded or newly built. The government is focusing on upgrading 133 hospitals, especially in critical areas like oncology and cardiology, and supporting 76 projects for long-term and geriatric care. This translates to better facilities and more specialized care for patients.
Access to healthcare services is improving, with reduced waiting times and increased efficiency. Over $3.3 billion is being used to enhance medical care centers and hospitals, making healthcare more accessible to everyone. Plus, there's a push to train and employ more medical professionals, with $762 million set aside for medical staff development.
Poland's medical tourism industry is booming, showing just how much the healthcare system has improved. The country is becoming a go-to spot for medical procedures, attracting foreign patients and showcasing its high standards of care. This growth is backed by investments in modernizing facilities and adopting the latest medical technologies.
Sources: Trade.gov, Market Opportunities, Medical Tourism
Make a profitable investment in Poland
Better information leads to better decisions. Save time and money. Download our guide.
12) You can boost your property’s value in Poland with government incentives for energy-efficient upgrades
The Polish government is boosting property values by offering incentives for energy-efficient home upgrades.
One major initiative is the Mój Prąd program, which expanded in 2023 and 2024 to help households invest in green energy systems like solar panels. This program has been a hit, with over 1.7 billion zloty allocated to fund more than 410,000 applications since 2019. It's a big push towards making homes more energy-efficient and valuable.
Another effort is the Warm Housing scheme, launched in 2022, which focuses on replacing old coal-fired boilers with cleaner energy sources. By 2025, this program had already improved energy efficiency in over 33,500 housing units. These changes are not just about saving energy; they’re about boosting property values too.
Energy efficiency is becoming a key factor in Poland's property market. The government's initiatives are shaping buyer preferences, leading to a higher demand for energy-efficient homes. This trend is likely to continue, making energy-efficient properties more attractive and valuable.
While specific surveys aren't mentioned, it's clear that buyers are increasingly interested in energy-efficient homes. The government's focus on reducing energy costs and improving air quality is a big reason why. People want homes that are not only comfortable but also cost-effective and environmentally friendly.
Sources: Notes from Poland, Energy EC, Notes from Poland
13) With new highways and railways, Poland’s infrastructure improvements make properties more accessible
Poland's infrastructure is getting a major boost with new highways and railways making properties more accessible.
Take the A1 and A2 highways, for example. These projects have linked major cities and cut down travel times, making it easier to get around the country. If you're eyeing a property in Poland, this means you can now reach it faster and with less hassle.
Central Poland is also seeing improvements thanks to the S7 expressway. This road has reduced congestion and improved travel times, making previously remote areas more reachable. So, if you thought a property was too far out, think again.
High-speed rail is another game-changer. The Warsaw-Krakow line, for instance, has slashed travel times between these major cities. This makes commuting a breeze and opens up more property options for you in these bustling areas.
These infrastructure upgrades are not just about convenience. They've also caught the eye of international investors, who are now more interested in Polish real estate. The enhanced connectivity is a big draw for those looking to invest in a growing market.
With all these changes, Poland is becoming a more attractive place to buy property. Whether you're looking for a city apartment or a countryside retreat, the improved infrastructure makes it all more accessible.
Sources: Mordor Intelligence, Trade.gov, Esteri.it
This video showcases major infrastructure projects, such as new highways and railways, demonstrating how Poland's improving connectivity enhances property accessibility.
14) Poland’s growing population means more people need homes
Poland's housing demand is on the rise, fueled by urbanization and economic growth.
In bustling cities like Warsaw, Kraków, and Wrocław, urbanization is driving a housing shortage. These areas are magnets for new households and migrant workers, creating a pressing need for more homes.
The Polish PRS (Private Rented Sector) is expanding rapidly, with institutional operators adding thousands of units. Yet, the supply still lags behind the demand, especially in the largest cities where hundreds of thousands more apartments are needed.
As Poland's economy rebounds, people are seeing higher disposable incomes, which means more folks can afford to buy or rent homes. This economic upswing is a key factor in the growing housing demand.
Media reports are buzzing about a real estate boom, with sales transactions spiking in major cities. This trend highlights the vibrant activity in Poland's property market.
Sources: Stat.gov.pl, JLL, European Commission, Global Property Guide
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.
15) The Polish government makes it easy for you to invest in property
The Polish government is making it easier for foreigners to buy property in the country.
In 2023, Poland saw a remarkable increase in foreign investments, with the Polish Investment and Trade Agency backing projects worth over EUR 7.4 billion. This is nearly double the amount from the previous year, showing how committed Poland is to attracting foreign capital. The streamlined process for buying property is a big part of this effort. If you're from the EEA, you face no restrictions, while others might need a permit from the Ministry of Internal Affairs. This involves a notarial purchase agreement, which is then registered in the public land register, ensuring transparency and security for foreign buyers.
Poland is also offering various incentives to lure in foreign investors. They've teamed up with the European Investment Bank to support sectors like security and defense, which indirectly boosts the investment climate. Being a member of the European Union, Poland provides a stable and secure environment for foreign investments, protected by EU laws and regulations.
For those looking to invest in property, Poland's approach is quite welcoming. The government has been actively working to make the process as smooth as possible, especially for EEA citizens and companies. This is part of a broader strategy to attract more foreign capital and boost the economy.
Moreover, the Polish government's efforts are not just limited to property. They're also focusing on other sectors, making it an attractive destination for a wide range of investments. This comprehensive approach is designed to create a favorable environment for foreign investors.
So, if you're considering buying property in Poland, now might be a great time. With the government's support and the country's commitment to foreign investment, the process is more accessible than ever.
Sources: Trade.gov.pl, Dudkowiak.com, Gov.pl
16) Poland’s moderate climate makes it a comfortable place to live
Poland's climate is moderate, making it a great place for comfortable living.
With four distinct seasons, Poland offers a pleasant variety in weather. Spring and autumn are mild, summers are warm but not scorching, and winters bring some snow without being too harsh. This balance makes it appealing for those who enjoy a bit of everything.
While 2024 saw some extreme weather, like severe flooding, these events are rare compared to other European countries. This rarity makes Poland a stable choice for those wanting to avoid severe climate issues.
Globally, there's a growing demand for property in areas with moderate climates. Poland, especially in regions like the Silesian Lowland and Sandomierska Upland, is becoming a hot spot for real estate. This trend is attracting both local and international buyers.
Insider tip: The Silesian Lowland is known for its lush landscapes and vibrant cultural scene, making it a favorite among newcomers. Meanwhile, the Sandomierska Upland offers picturesque views and a peaceful lifestyle.
For those considering a move, Poland's climate and growing real estate market offer a compelling combination. It's a place where you can enjoy a comfortable climate and invest in a promising property market.
Sources: Poland Travel, USTOA Blog, World Bank Climate Knowledge Portal
17) In Poland, you’ll find secure mortgage options thanks to a stable banking system
The Polish banking system is impressively stable, especially in recent years.
Thanks to high interest rates, banks in Poland have enjoyed strong profits, which help them handle costs like credit and legal fees. This stability is highlighted by S&P Global, which notes a steady industry risk trend. The banks' ability to manage these costs effectively is a testament to their robust financial health.
In June 2024, the capital adequacy ratio was a solid 21.2%, showing that Polish banks have a strong capital base. This is crucial for absorbing any potential losses and maintaining financial stability. The non-performing loan (NPL) ratio is also expected to drop to 4.8% by 2025, down from 5.1% in 2023, indicating better economic conditions and successful handling of past NPLs.
The Polish government has introduced consumer-friendly mortgage regulations, like the "2% Safe Loan" program. This initiative has boosted mortgage applications and housing prices, contributing to the stability of mortgage options. The consistent profitability of domestic banks, supported by high interest rates, helps them maintain strong capital positions without impairments.
Sources: S&P Global, CEIC Data, Alicja Slawinska
While this article provides thoughtful analysis and insights based on credible and carefully selected sources, it is not, and should never be considered, financial advice. We put significant effort into researching, aggregating, and analyzing data to present you with an informed perspective. However, every analysis reflects subjective choices, such as the selection of sources and methodologies, and no single piece can encompass the full complexity of the market. Always conduct your own research, seek professional advice, and make decisions based on your own judgment. Any financial risks or losses remain your responsibility. Finally, please note that we are not affiliated to any of the sources provided. Our analysis remains then 100% impartial.