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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


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


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.


  • penthouses and duplexes
  • apartments


  • 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


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



Of the transaction amount

Secondary housing

Transfer tax


Of the transaction amount

Registration fee
Notary fee

Depends on the transaction amount

Agency fee

If a real estate agency is involved in the transaction



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

per month

Internet, TV and telephone

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
Natalia Oganesyan
Natalia Oganesyan
Prepared a guide on investing in real estate in Poland