Property Investment in Poland as a Foreigner

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

2,1%

Average price growth per quarter

2,35—29%

Associated costs, of the property value

How the residential property price index is growing in Poland

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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

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Individual selection of investment properties

  • Discuss your tasks and goals

  • Choose between properties from reliable developers

  • Get fully prepared and verified documents for a purchase

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Poland residence permit or citizenship by real estate investment

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

Discover real estate market trends in 41 European countries

Discover real estate market trends in 41 European countries

  • Master the residency process

  • Get expert tips and documents

  • Estimate costs accurately

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Taxes and associated costs

Of the contract value are related costs for the purchase of housing in Poland

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.

New buildings — VAT23% — of the transaction amount
Secondary housing — transfer tax2% — of the transaction amount
Registration fee0.1%
Notary fee — depends on the transaction amount0.25—3%
Agency fee — if a real estate agency is involved in the transaction3%

Taxes

Approximate annual costs for maintenance of an apartment

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%.

Communal payments

Electricity, gas, water, heating, and garbage collection€100—250 — per month
Internet, TV and telephone€9—17 — per month

Capital gains tax on the sale of real estate in Poland

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.

Countries to buy a property and get residency or citizenship

We offer proven properties that comply with the conditions of government programs for investors. You can buy real estate and obtain a residence permit or citizenship.

Country and status
Investments
Status
Time required
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Malta29 properties

€375,000+

Permanent residency

6+ months

Show 29 properties

€375,000+Permanent residency6+ months
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Grenada44 properties

$270,000+

Citizenship

8+ months

Show 44 properties

$270,000+Citizenship8+ months
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ae-flagae-flag
UAE158 properties

AED 750,000+

Residence permit

2+ months

Show 158 properties

AED 750,000+Residence permit2+ months
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es-flages-flag
Spain38 properties

Not limited

Residence permit

4+ months

Show 38 properties

Not limitedResidence permit4+ months
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Portugal68 properties

Not limited

Residency after D Visas

6+ months

Show 68 properties

Not limitedResidency after D Visas6+ months
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40+ guides with European countries

Find out how much it costs to buy and rent real estate in each country, what the market dynamics are and what taxes you need to pay when buying and selling.

si-flagProperty Investment in Slovenia as a Foreigner

Selling real estate to non-EU citizens is prohibited in Slovenia. A legal entity can buy real estate if it’s a Slovenian...

€2,809

Average price per 1 m²

2,2%

Average price growth per quarter

Learn more
sm-flagProperty Investment in San Marino as a Foreigner

The sale of real estate to foreigners is not limited in San Marino: one can buy, lease and sell housing and commercial properties. The...

€2,669

Average price per 1 m²

Learn more
nl-flagProperty Investment in Netherlands as a Foreigner

Foreigners can freely buy, sell, and rent out real estate in the Netherlands. There are no restrictions on property ownership for...

€5,600

Average price per 1 m²

2.6%

Average price growth per quarter

Learn more
Igor Buglo

Material prepared by Igor Buglo, Head of the Maltese office, MBA

Updated:

​Frequently asked questions

  • Is real estate in Poland a good investment?

    Real estate in Poland has been considered a good investment for several years due to the country’s stable economy and consistent growth in the property market. 

    The demand for both residential and commercial properties continues to rise, particularly in major cities like Warsaw, Kraków, and Gdańsk. Investors can expect a reasonable return on investment through rental income and property value appreciation, especially in well-connected urban areas.

  • Can a foreigner buy real estate in Poland?

    Yes, foreigners can buy real estate in Poland, but there are some restrictions and additional steps involved compared to Polish citizens. 

    EU citizens have the same rights as Polish citizens when it comes to purchasing property. Non-EU citizens, however, may require permission from the relevant district office, especially if they are interested in purchasing agricultural or forest land.

  • How to invest in property in Poland?

    Poland property investment involves several steps:

    1. Research the market to identify promising areas and types of properties.
    2. Consider engaging a local real estate agent or consultant who understands the local market.
    3. Visit the properties of interest to assess their condition and suitability.
    4. Secure financing, if necessary, through a bank or private lender.
    5. Complete the legal checks and transactions with the assistance of a lawyer familiar with Polish real estate law.
    6. Register the property with the local land registry to finalize ownership.

  • Do you pay property taxes in Poland?

    Yes, property owners in Poland are required to pay property 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%.