As of June 2026, a normal apartment in Warsaw costs about PLN 890,000 to PLN 980,000, which is roughly USD 242,000 to USD 267,000 or EUR 210,000 to EUR 231,000, but the real number depends heavily on the district, building age, apartment size and whether the buyer chooses a new-build or resale apartment.
[VARIABLE INTRO GREEN HTML] [VARIABLE COVER HTML]We constantly update this blog post so the Warsaw apartment prices, taxes and buyer costs stay as close as possible to the real 2026 market.
Warsaw is not a cheap apartment market anymore, but Warsaw still gives foreign buyers a wider choice of districts than Kraków, Gdańsk or Wrocław.
The biggest mistake is to look only at headline asking prices, because Warsaw apartment transaction prices can be lower than the prices shown on portals.
And if you’re planning to buy a property in this place, you may want to download our pack covering the real estate market in Warsaw.
Insights
- In Warsaw in 2026, the useful citywide price is not the highest asking price, but about PLN 17,500 to PLN 18,500 per m² for normal apartments.
- Warsaw new-build apartments looked very expensive in spring 2026, but sold new units were closer to PLN 17,400 per m² than to headline asking prices.
- A foreign buyer should usually plan around PLN 210,000 to PLN 240,000 in cash before moving into a standard resale apartment in Warsaw.
- Small Warsaw studios are expensive per m², so a studio can look affordable in total price while still being costly for the space you get.
- Białołęka, Targówek and Ursus remain the most realistic budget districts in Warsaw, but transport quality can matter more than the district name.
- Śródmieście, Żoliborz, Wola and Mokotów pull up the average apartment price in Warsaw, so the citywide average can feel misleading for first-time buyers.
- The 2% PCC tax is the biggest resale closing cost in Warsaw, but eligible first-home buyers can avoid it and save tens of thousands of PLN.
- Warsaw property tax is very low by international standards, because residential tax is based on usable floor area, not on the apartment value.
- Monthly building fees in Warsaw can be more painful than annual property tax, especially in older blocks with renovation funds or heating inefficiency.
How much do apartments really cost in Warsaw in 2026?
What's the average and median apartment price in Warsaw in 2026?
As of June 2026, the estimated median apartment price in Warsaw is about PLN 890,000, or roughly USD 242,000 and EUR 210,000, while the average apartment price in Warsaw is closer to PLN 980,000, or about USD 267,000 and EUR 231,000.
That means the realistic average apartment price in Warsaw in 2026 is around PLN 17,500 to PLN 18,500 per m², or about USD 4,770 to USD 5,040 and EUR 4,120 to EUR 4,350 per m², which is about PLN 1,625 to PLN 1,720 per sq ft, or USD 443 to USD 469 and EUR 383 to EUR 405 per sq ft.
For most standard apartments in Warsaw in 2026, a practical buyer should expect a total price between PLN 650,000 and PLN 1.45 million, or roughly USD 177,000 to USD 395,000 and EUR 153,000 to EUR 341,000.
How much is a studio apartment in Warsaw in 2026?
As of June 2026, a typical studio apartment in Warsaw costs about PLN 590,000, or roughly USD 161,000 and EUR 139,000.
In practical terms, an entry-level to mid-range studio apartment in Warsaw usually costs PLN 430,000 to PLN 650,000, or about USD 117,000 to USD 177,000 and EUR 101,000 to EUR 153,000, while a high-end or central studio can cost PLN 700,000 or more, or about USD 191,000 and EUR 165,000.
Most studio apartments in Warsaw are small, usually around 28 to 32 m², so the price per m² is often higher than the citywide average.
How much is a one-bedroom apartment in Warsaw in 2026?
As of June 2026, a typical one-bedroom apartment in Warsaw costs about PLN 720,000, or roughly USD 196,000 and EUR 169,000.
For most buyers, an entry-level to mid-range one-bedroom apartment in Warsaw costs PLN 560,000 to PLN 800,000, or about USD 153,000 to USD 218,000 and EUR 132,000 to EUR 188,000, while a high-end one-bedroom in Mokotów, Wola, Żoliborz or Śródmieście can reach PLN 1 million, or about USD 272,000 and EUR 235,000.
The usual one-bedroom apartment in Warsaw is around 38 to 45 m², which makes the exact district and building standard very important.
How much is a two-bedroom apartment in Warsaw in 2026?
As of June 2026, a typical two-bedroom apartment in Warsaw costs about PLN 990,000, or roughly USD 270,000 and EUR 233,000.
A realistic entry-level to mid-range two-bedroom apartment in Warsaw costs PLN 760,000 to PLN 1.15 million, or about USD 207,000 to USD 313,000 and EUR 179,000 to EUR 271,000, while a high-end two-bedroom in Śródmieście, Wola, Żoliborz, Mokotów or Wilanów can reach PLN 1.5 million, or about USD 409,000 and EUR 353,000.
By the way, you will find much more detailed price ranges for apartments in our property pack covering the property market in Warsaw.
How much is a three-bedroom apartment in Warsaw in 2026?
As of June 2026, a typical three-bedroom apartment in Warsaw costs about PLN 1.45 million, or roughly USD 395,000 and EUR 341,000.
An entry-level to mid-range three-bedroom apartment in Warsaw usually costs PLN 1.25 million to PLN 1.75 million, or about USD 341,000 to USD 477,000 and EUR 294,000 to EUR 412,000, while a high-end family apartment in Śródmieście, Powiśle, Stary Mokotów, Żoliborz or premium Wola can go above PLN 2 million, or about USD 545,000 and EUR 471,000.
Most three-bedroom apartments in Warsaw are around 75 to 90 m², so the total price rises quickly even when the price per m² is slightly lower than for studios.
What's the price gap between new and resale apartments in Warsaw in 2026?
As of June 2026, new-build apartments in Warsaw are usually 0% to 5% more expensive than resale apartments on a transaction basis, but 8% to 15% more expensive when buyers compare advertised asking prices.
The estimated average price for new-build apartments in Warsaw is about PLN 17,400 to PLN 19,400 per m², or roughly USD 4,740 to USD 5,290 and EUR 4,100 to EUR 4,570 per m².
The estimated average price for resale apartments in Warsaw is about PLN 17,000 to PLN 18,500 per m², or roughly USD 4,630 to USD 5,040 and EUR 4,000 to EUR 4,350 per m², so the bigger difference is often finishing cost, renovation risk and taxes rather than the base price alone.
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Can I afford to buy in Warsaw in 2026?
What's the typical total budget (all-in) to buy an apartment in Warsaw in 2026?
As of June 2026, a standard resale apartment in Warsaw needs an all-in budget of about PLN 925,000 to PLN 950,000, or roughly USD 252,000 to USD 259,000 and EUR 218,000 to EUR 224,000, if the buyer pays PCC.
This all-in Warsaw apartment budget usually includes the purchase price, PCC if it applies, notary fees, land and mortgage register fees, bank costs, legal review, translations, agency fees if charged, and a small safety buffer.
We go deeper and try to understand what costs can be avoided or minimized (and how) in our Warsaw property pack.
[VARIABLE WHAT-YOU-CAN-GET-BUDGET]What down payment is typical to buy in Warsaw in 2026?
As of June 2026, the typical down payment for a Warsaw apartment is 20%, which means about PLN 178,000, or roughly USD 49,000 and EUR 42,000, on a PLN 890,000 apartment.
The minimum down payment that some Polish banks may accept is 10%, or about PLN 89,000, USD 24,000 and EUR 21,000 on the same Warsaw apartment, but that usually means stricter conditions or extra insurance.
A safer recommended down payment in Warsaw is 20% to 25%, because this gives a foreign buyer a better chance of approval and usually better mortgage terms.
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Which neighborhoods are cheapest or priciest in Warsaw in 2026?
How much does the price per m² for apartments vary by neighborhood in Warsaw in 2026?
As of June 2026, apartment prices across Warsaw districts range from about PLN 13,000 to PLN 25,500 per m², or roughly USD 3,540 to USD 6,950 and EUR 3,060 to EUR 6,000 per m².
The most affordable Warsaw districts are usually Białołęka, Targówek, Ursus, Rembertów and Wawer, where normal apartments often sit around PLN 13,000 to PLN 15,500 per m², or about USD 3,540 to USD 4,220 and EUR 3,060 to EUR 3,650 per m².
The most expensive Warsaw districts and micro-locations are Śródmieście, Powiśle, Żoliborz, central Wola, Stary Mokotów and parts of Wilanów, where prices often sit around PLN 20,000 to PLN 25,500 per m², or about USD 5,450 to USD 6,950 and EUR 4,710 to EUR 6,000 per m².
[VARIABLE WHICH-AREA]What neighborhoods are best for first-time buyers on a budget in Warsaw in 2026?
As of June 2026, the top three Warsaw neighborhoods for first-time buyers on a budget are Targówek near the metro, Ursus near rail links and Białołęka where the entry price is still one of the lowest in the city.
In these budget-friendly Warsaw districts, many standard apartments cost about PLN 560,000 to PLN 850,000, or roughly USD 153,000 to USD 232,000 and EUR 132,000 to EUR 200,000.
Targówek, Ursus and Białołęka can offer lower prices, newer buildings, family-sized layouts and improving transport, which matters a lot for resale value in Warsaw.
The trade-off is that cheaper Warsaw districts can mean longer commutes, weaker street life, fewer premium services and bigger differences between good and bad micro-locations.
Which neighborhoods have the fastest-rising apartment prices in Warsaw in 2026?
As of June 2026, the Warsaw neighborhoods with the strongest recent price momentum are Wola, Praga-Północ and Targówek, with Bemowo and Ursus also worth watching.
A realistic estimate is that these fast-moving Warsaw areas have seen about 5% to 10% year-over-year price pressure in stronger micro-locations, although the exact number changes street by street.
The main drivers are metro access, regeneration, office demand, new apartment supply, better rail links and the fact that buyers priced out of central Warsaw move to nearby or better-connected districts.
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What extra costs will I pay on top of the apartment price in Warsaw in 2026?
What are all the buyer closing costs when you buy an apartment in Warsaw?
For a typical resale apartment in Warsaw, buyer closing costs are about PLN 35,000 to PLN 55,000, or roughly USD 9,500 to USD 15,000 and EUR 8,200 to EUR 12,900, if the 2% PCC tax applies.
The main buyer closing costs in Warsaw are PCC on resale purchases, notary fees, court and land-register fees, mortgage registration, bank valuation, legal review, sworn translations and sometimes an agency fee.
The largest closing cost is usually the 2% PCC tax on resale apartments, because PLN 900,000 of purchase price creates PLN 18,000 of PCC before any other cost.
Some Warsaw closing costs are fixed by rules, but agency fees, legal support, translations and bank costs can vary a lot between transactions.
On average, how much are buyer closing costs as a percentage of the purchase price for an apartment in Warsaw?
In Warsaw in 2026, buyers should usually budget 3.5% to 6% of the purchase price for resale closing costs if PCC applies.
The realistic low-to-high range is about 1.5% to 4% for an eligible first-home buyer who avoids PCC, and about 5% to 12% for a new-build buyer once finishing, parking, storage and basic fit-out are included.
We actually cover all these costs and strategies to minimize them in our pack about the real estate market in Warsaw.
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What are the ongoing monthly and yearly costs of an apartment in Warsaw in 2026?
What are typical HOA fees in Warsaw right now?
In Warsaw in 2026, typical monthly building fees, often called czynsz administracyjny, are about PLN 700 to PLN 1,200 for a normal 45 to 60 m² apartment, or roughly USD 190 to USD 327 and EUR 165 to EUR 282 per month.
A basic Warsaw building may charge around PLN 450 to PLN 750 per month, or about USD 123 to USD 204 and EUR 106 to EUR 177, while a larger or premium building can reach PLN 1,500 to PLN 2,000 per month, or about USD 409 to USD 545 and EUR 353 to EUR 471.
What utilities should I budget monthly in Warsaw right now?
In Warsaw in 2026, a typical apartment owner should budget about PLN 350 to PLN 650 per month for utilities outside or partly inside the building fee, or roughly USD 95 to USD 177 and EUR 82 to EUR 153.
The realistic utility range in Warsaw is about PLN 250 to PLN 450 for a studio, PLN 350 to PLN 600 for a one-bedroom, PLN 500 to PLN 800 for a two-bedroom and PLN 700 to PLN 1,100 for a larger family apartment.
This Warsaw utilities budget usually includes electricity, internet, water, heating, hot water, gas if used and small waste or service charges that are not already included in the building fee.
Heating and hot water are often the most painful utilities in Warsaw, especially in winter or in older buildings with less efficient systems.
How much is property tax on apartments in Warsaw?
In Warsaw in 2026, typical annual property tax on a normal 50 m² apartment is only about PLN 63, or roughly USD 17 and EUR 15.
Warsaw property tax on residential buildings is calculated from usable floor area, with the 2026 residential building rate at about PLN 1.25 per m², not from the market value of the apartment.
A realistic annual property-tax range for apartments in Warsaw is about PLN 38 for a 30 m² studio to PLN 100 for an 80 m² apartment, or roughly USD 10 to USD 27 and EUR 9 to EUR 24, before any small land-related components.
[VARIABLE PROPERTY-TAXES-FEES]What's the yearly building maintenance cost in Warsaw?
In Warsaw in 2026, a typical yearly building maintenance cost is about PLN 9,000 to PLN 15,000 for a 50 to 60 m² apartment, or roughly USD 2,450 to USD 4,090 and EUR 2,120 to EUR 3,530.
The realistic yearly range is about PLN 5,000 to PLN 9,000 for a studio, PLN 9,000 to PLN 15,000 for a normal apartment and PLN 15,000 to PLN 22,000 for a larger or more service-heavy apartment.
These Warsaw building maintenance costs usually include administration, cleaning, common electricity, heating advances, water advances, waste, elevator costs, security if present and the renovation fund.
In Warsaw, building maintenance is usually paid through the monthly building fee, so buyers should not count it as a separate tax but should still treat it as a real ownership cost.
How much does home insurance cost in Warsaw?
In Warsaw in 2026, basic home insurance for a normal apartment usually costs about PLN 200 to PLN 500 per year, or roughly USD 55 to USD 136 and EUR 47 to EUR 118.
A broader Warsaw apartment insurance policy with contents, civil liability and water-damage cover often costs PLN 400 to PLN 900 per year, or about USD 109 to USD 245 and EUR 94 to EUR 212.
Home insurance is optional for cash buyers in Warsaw, but a bank will normally require property insurance when the apartment is bought with a mortgage.
What sources have we used to write this blog article?
Whether it’s in our blog articles or the market analyses included in our property pack about Warsaw, we always rely on the strongest methodology we can, and we don’t throw out numbers at random.
We also aim to be fully transparent, so below we’ve listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why we trust it | How we used it |
|---|---|---|
| National Bank of Poland, real estate market quarterly report and BaRN database | NBP is Poland’s central bank and tracks long-running residential transaction data. | We used it as the main anchor for Warsaw transaction prices. We treated it as stronger than listing data. |
| Statistics Poland, residential premises price indices Q4 2025 | Statistics Poland is the official national statistics agency. | We used it to frame the latest official national housing-price momentum. We used it as a sanity check for Warsaw-specific data. |
| Otodom Analytics | Otodom tracks a very large share of Polish housing listings and demand. | We used it for current supply, asking-price and district texture. We did not treat asking prices as completed transaction prices. |
| PAP and Otodom Insights | PAP is Poland’s national press agency and dates its market releases clearly. | We used it for fresh 2026 Warsaw market observations. We compared those observations with transaction-based sources before using them. |
| CBRE and Tabelaofert.pl market data reported by Poland Insight | CBRE is a major property consultancy and Tabelaofert.pl tracks developer stock. | We used it for Warsaw new-build asking and sold-unit prices. We focused on sold-unit prices for buyer budgeting. |
| Poland Insight, Warsaw housing market reporting | It reports recent Warsaw market data with source attribution. | We used it to understand the difference between asking prices and transaction prices. We used it mainly for 2026 market direction. |
| OnGeo Warsaw district price ranking 2026 | OnGeo publishes detailed property and location data for Poland. | We used it to rank Warsaw districts by price per m². We adjusted the figures when translating asking prices into buyer budgets. |
| RynekPierwotny.pl Warsaw price dashboard | RynekPierwotny.pl is a major portal for Polish developer apartments. | We used it to check new-build supply and price pressure. We used it mainly for developer-market context. |
| Gov.pl first-home PCC exemption guidance | Gov.pl is the official Polish government portal. | We used it to explain the first-home PCC exemption. We flagged it because it can change the buyer’s cash budget materially. |
| Polish Ministry of Finance, taxes of buying a property | The Ministry of Finance is the primary source for Polish tax rules. | We used it for PCC basics and who pays the tax. We cross-checked it against Gov.pl guidance. |
| CGO Legal, PCC tax guide for property buyers in Poland | It is a legal guide focused on foreign buyers and Polish property tax. | We used it to explain PCC in practical buyer language. We treated official tax sources as the final authority. |
| Warsaw 2026 property-tax resolution | It reproduces Warsaw’s 2026 local property-tax rates. | We used it to estimate annual apartment property tax. We calculated tax from floor area, not property value. |
| Rödl, 2026 local tax caps in Poland | Rödl summarizes official Polish local-tax caps for 2026. | We used it to cross-check the residential building tax cap. We used Warsaw’s local rate for the final calculation. |
| City of Warsaw property-tax payment information | It is published by the Warsaw city authority. | We used it to confirm that apartment owners pay local property tax through Warsaw systems. We did not use it for price estimates. |
| KNF Recommendation S update | KNF is Poland’s financial supervisor for banks and mortgages. | We used it to explain the normal 20% down-payment assumption. We treated 10% down as possible but less safe. |
| Prawopro mortgage calculator and down-payment guidance | It explains Polish mortgage assumptions in practical buyer terms. | We used it to cross-check bank practice around 20% and 10% down payments. We used KNF as the main regulatory anchor. |
| Jacob Adam, mortgage for foreigners in Poland | It focuses on foreign buyers and practical Polish mortgage requirements. | We used it to check how foreign-buyer constraints can differ from local-buyer assumptions. We kept our recommendation conservative. |
| Numbeo Warsaw cost of living, June 2026 | Numbeo is not official, but it is current and transparent. | We used it only for utilities and living-cost triangulation. We did not use it for Warsaw apartment purchase prices. |
| Expatistan Warsaw cost of living, June 2026 | Expatistan gives current crowd-sourced consumer price checks. | We used it to cross-check utilities and everyday owner costs. We treated it as a supporting source, not a primary source. |
| NBP exchange rates, table A | NBP publishes official average exchange rates for Poland. | We used it to convert PLN amounts into USD and EUR. We rounded conversions so the article stays easy to read. |
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