Investment property in Poland: what to buy and what it costs
Two-room apartment in Bałuty district
$78,400
A 38 m² apartment with two rooms, a kitchen and a balcony in Bałuty, the largest district of Łódź, with residential blocks, schools, parks and trams to the centre and Piotrkowska Street. Łódź has a university, a university of technology and offices of large companies, so two-room apartments here are rented by students and young professionals. A square metre in Łódź costs half the Warsaw price.
One-room apartment in Winogrady district
$84,100
A 30 m² apartment with a room, a kitchen and a bathroom in Winogrady in northern Poznań. The fast tram runs from here to the centre and the station, with shops, parks and clinics nearby. Poznań has one of the largest universities in the country, and one-room apartments here are rented by students and company staff.
Two-room apartment in Bogucice district
$93,900
A 45 m² apartment with two rooms, a kitchen and a balcony in Bogucice, east of central Katowice and a few minutes by tram from the centre. Katowice is the hub of the Silesian metropolitan area of more than 2 million people, with a university and offices of international companies. Two-room apartments here are rented by company staff and couples.
Three-room apartment in Fordon district
$102,900
A 48 m² apartment with three rooms, a kitchen and a balcony in Fordon in eastern Bydgoszcz, a large residential district with schools, shopping centres and a tram line to the centre. Bydgoszcz is one of the largest cities in northern Poland, and a square metre here costs half the Warsaw price. Three-room apartments are rented by families.
Two-room apartment in Nowy Dwór district
$122,900
A 38 m² apartment with two rooms, a kitchen and a balcony in Nowy Dwór in western Wrocław, with trams to the Old Town, shops and parks. Wrocław has universities and offices of technology companies, so two-room apartments here are rented by programmers, engineers and students.
Studio apartment in Białołęka district
$137,600
A 32 m² studio with a kitchen and a bathroom in Białołęka in north-eastern Warsaw, a district of new residential blocks with kindergartens, schools and shops, where buses and trams run to the metro and the centre. Warsaw is the capital and the largest rental market in the country, and studios here are rented by young professionals all year round.
Two-room apartment in Nowa Huta district
$152,200
A 40 m² apartment with two rooms, a kitchen and a balcony in Nowa Huta in eastern Kraków, a district of wide green streets and blocks around Central Square, with trams to the Old Town. Kraków has the oldest university in the country and dozens of colleges, so apartments here are rented by students and company staff.
Two-room apartment in Zaspa district
$169,700
A 47 m² apartment with two rooms, a kitchen and a balcony in Zaspa, between central Gdańsk and Oliwa, with trams, a suburban rail station and a park, and the Baltic beaches a few kilometres away. The Tricity - Gdańsk, Gdynia and Sopot - is one of the most expensive markets in the country after Warsaw and Kraków, and apartments here are rented all year round.
What properties investors buy in Poland
Above are the most interesting offers selected by our experts. The manager will find a property that fits your requirements.
Apartments for sale in Warsaw, Kraków, Gdańsk, Wrocław, Poznań, Łódź, Katowice and Bydgoszcz, rental yield, taxes, transaction costs and the purchase rules for foreigners.
A foreigner of any nationality buys an apartment in Poland without a permit, and ownership is entered in your name in the land and mortgage register. A square metre on the resale market costs on average $4,300 in Warsaw, $3,800 in Kraków, $3,610 in Gdańsk and $2,060 in Łódź, based on actual transactions. A two-room apartment in Łódź costs $78,400, a studio in Warsaw $137,600, and letting in Warsaw brings about 7.1% a year before tax.
This page covers resale apartments: one-room apartments in Poznań and Warsaw, two-room apartments in Łódź, Katowice, Wrocław, Kraków and Gdańsk, a three-room apartment in Bydgoszcz, prices by city, rental yield, taxes, transaction costs and the purchase rules. The manager will confirm what is for sale today and the exact price.
The market in brief
Prices and rules as of 2026.
How much an apartment in Poland costs in 2026
Apartment prices in Poland are quoted in zloty. According to National Bank of Poland data on actual transactions for the second quarter of 2026, a square metre on the resale market costs on average 16,723 zloty in Warsaw, about $4,300, and 14,792 zloty in Kraków, about $3,800; Gdańsk is about $3,610, Wrocław about $3,240, and Łódź and Katowice about $2,060-2,080. Over the year a square metre in Warsaw rose by 1.3% and in Gdańsk by 4.6%, while Kraków and Łódź fell by 1-2%. An apartment in Łódź or Katowice costs half as much as in Warsaw.
| City | Square metre, resale market | Square metre, new build | 50 m² apartment, resale market |
|---|---|---|---|
| Warsaw | ~$4,300 | ~$4,320 | ~$215,000 |
| Kraków | ~$3,800 | ~$4,090 | ~$190,000 |
| Gdańsk | ~$3,610 | ~$3,730 | ~$180,000 |
| Wrocław | ~$3,240 | ~$3,680 | ~$162,000 |
| Poznań | ~$2,800 | ~$3,280 | ~$140,000 |
| Katowice | ~$2,080 | ~$3,040 | ~$104,000 |
| Łódź | ~$2,060 | ~$2,560 | ~$103,000 |
National Bank of Poland data on actual transaction prices for the second quarter of 2026; zloty converted at the National Bank of Poland rate of 3.8886 zloty per dollar on 22 October 2026, dollars rounded.
What yield letting brings
The gross yield on long-term letting in Warsaw is about 7.1% a year before tax. A private owner lets an apartment under an occasional tenancy agreement: the tenant agrees in advance before a notary to move out when the agreement ends, which protects the owner. One-room apartments and studios are rented by students and young professionals, two- and three-room apartments by couples and families.
| Tax | Rate |
|---|---|
| Letting an apartment | 8.5% of revenue up to 100,000 zloty, ~$25,700, a year and 12.5% above that, with no deduction of expenses |
| Selling an apartment | 19% of the gain if sold within five years counted from the end of the year of purchase; after that, no tax |
| Every year | property tax at the municipality's rate, ~$0.3 per m² a year |
Data for 2026: yield for Warsaw; the country comparison is in the rental yield table.
The owner pays the rental income tax directly and files the annual return with the tax office by the end of February. Rates, residency and examples are on the page taxes in Poland.
What costs to add to the property price
| Payment | Amount |
|---|---|
| Transaction tax | 2% of the market value on the resale market, a first home is exempt; for a new build 8% VAT is already included in the price |
| Notary | on the state scale: for an apartment at 400,000 zloty, up to 2,370 zloty, ~$609, plus 23% VAT |
| Entry of ownership in the land and mortgage register | 200 zloty, ~$51 |
| Tax number | free: a PESEL or NIP number to pay the transaction tax |
| Building upkeep | a monthly fee to the management company or owners' association, separate from taxes |
Data for 2026. In total about 3% of the price on top of a resale apartment; the estate agency commission and bank transfer fees are paid separately. The manager calculates the total for a specific property.
In Poland an apartment is checked in the land and mortgage register before the deposit
Mistakes cost more than the transaction: a deposit on an apartment with a mortgage or encumbrance in the land register, building arrears that pass to the buyer, an apartment in the border zone that needs a permit, a payment stopped by the bank for checks. Murblz support removes these risks: we find an apartment for your budget and goal, check it in the land and mortgage register, agree the payment route and handle the transaction before a notary until ownership is entered in your name.
The cost of support depends on the purchase budget and the goal - letting or a home for yourself; the manager will calculate it in the chat.
An apartment with no permit, a house with land with a permit
A foreigner of any nationality buys an apartment in Poland without a permit and without a residence permit; the only exception is apartments in the border zone. A buyer from outside the European Union and the European Economic Area needs a permit from the Minister of the Interior and Administration for a house with land and for land: the fee is 1,570 zloty, about $404, and the permit is valid for 2 years. The transaction is concluded before a notary, and ownership is entered in your name in the land and mortgage register.
Buying an apartment does not give a residence permit: status in Poland is obtained through work, business, study or family. For citizens of Russia and Belarus the difficulty lies not in the purchase but in visas and payments, so we agree the payment route before the deposit. The terms of each status are on the page Poland residence permit, and the manager will send a selection of apartments for your goal to the chat.
How we select a property
- Budget and goal: letting or a home for yourself. The manager clarifies the city, district and type of building.
- Buyer documents: passport, a PESEL or NIP tax number and an account for the payment.
- A selection of real properties and a check in the land and mortgage register: the seller's title, mortgages, encumbrances and building arrears - before the deposit.
- The transaction before a notary: the agreement, payment through a bank and entry of ownership in your name in the land and mortgage register.
The manager sends the selection to the chat, with sellers' prices on the date of the selection.
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More on buying in this country:
- Property in Poland for foreigners: search and legal checks
- Buying an apartment in Poland: prices and taxes
- Poland residence permit: grounds and documents
- Taxes in Poland
- How to send money to Poland
- Company registration in Poland
- Warsaw: what to see and whether to move there
- Poland: all programs
All countries and budgets compared - on the page Investment property abroad.
FAQ
How much does an apartment in Poland cost in 2026?
Can a foreigner buy an apartment in Poland?
Does buying property give a residence permit in Poland?
What yield does letting an apartment in Poland bring?
What are the costs of buying property in Poland?
What is the tax on selling an apartment in Poland?
Where to buy an apartment for investment in Poland?
Can I buy an apartment in Poland remotely?
Don’t want to figure this out alone?
We handle the whole process end to end: we shortlist properties for your goal, run legal checks and support the deal through to registration. Ask your question in the chat: the free consultation starts right here. Legal representation before authorities and courts is handled by Murblz specialists together with locally licensed partners.
The Murblz consultant replies straight away in the chat on this page. Describe your situation and we will work it out together.
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