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Real estate investment in Poland

Foreigners can freely buy, sell and rent out apartments in Poland. You need permission from the Ministry of Internal Affairs of Poland to purchase a land plot with a house.

Statistics confirm the liquidity of investments: residential real estate prices grow every quarter by an average of 2.1%. Five years ago, an apartment of 100 m² cost an average of €189,000, and today it is sold for €270,000.

€2,697 Average price per 1 m²
of housing in Poland
2,1% Average price per 1 m²
increase per quarter
2,35—29% Buyers’ related expenses,
of the transaction amount

How the residential property price index is growing in Poland

Cost of a 3-bedroom apartment in Poland

€1.5 million

Apartment in the centre of Warsaw

€500,000

Apartment in Warsaw,
in a 10-minute drive from the centre

€300,000

Apartment in Gdansk

What do investors buy?

The most expensive real estate is in the capital, Warsaw, and the major cities of Krakow and Gdansk.

Apartments

  • penthouses and duplexes
  • apartments

Houses

  • villas and mansions
  • townhouses

Poland residence permit or citizenship by real estate investment

Obtaining a Poland residence permit or citizenship is not connected with purchasing real estate.

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Taxes and associated costs

Purchase
Ownership
Sale

Property buyers pay a value-added tax for new builds or a transfer tax for resale properties and additional fees.

Associated costs will range from 2.35% to 29% of the purchase agreement value. When buying a new apartment worth €500,000, the investor will spend €620,000, including additional costs.

2.35—29% Of the contract value are related costs for the purchase of housing in Poland
Purchase expenses
New buildings

VAT

23%

Of the transaction amount

Secondary housing

Transfer tax

2%

Of the transaction amount

Registration fee
0.1%
Notary fee

Depends on the transaction amount

0.25—3%
Agency fee

If a real estate agency is involved in the transaction

3%

Taxes

Owners pay an annual tax, which depends on the property area. The regional governments set the tax rate. By law, the maximum rate is €0.17 per square metre of housing.

Rental income is included in the income tax base. The income tax rate is progressive from 18% to 32%.

€1,944 Approximate annual costs for maintenance of an apartment

Communal payments

Electricity, gas, water, heating, and garbage collection
€100—250 

per month

Internet, TV and telephone
€9—17 

per month

If the seller has owned a property for less than five years, they pay a capital gains tax of 19% on the difference between the sale and purchase prices.

0—19% Capital gains tax on the sale of
real estate in Poland
Elena Garnitsarik
Prepared a guide on investing in real estate in Poland