Poland Property Market for Overseas Buyers
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The property market in Poland for overseas buyers: market figures, city guides and the INTRIC buying guide, with listings as they are published.
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Buying property in Poland: questions buyers ask
Can foreigners buy property in Poland?
Yes. Citizens of the EU, EEA and Switzerland can buy any property. Other nationalities can buy an apartment freely, but need a Ministry of Interior permit for a house with land, a plot, or farm and forest land. The permit takes about two to four months and costs about PLN 1,570.
What tax does an overseas buyer pay in Poland?
On resale you pay 2% civil law transactions tax (PCC). New builds carry 8% VAT inside the developer's price. After that, rent is taxed at 8.5% on gross income up to PLN 100,000 and 12.5% above, and a sale within five years is taxed at 19% on the gain. Annual property tax is small.
Apartment or house with land in Poland: what can a non-EU buyer hold?
A non-EU buyer can purchase an apartment as a separate unit with no permit. A house, plot or farmland needs the Ministry of Interior permit, and you must show a tie to Poland, such as residence, family or business. Most overseas buyers choose apartments for that reason.
Can a non-resident get a Polish mortgage?
Yes, from banks such as PKO, mBank, Santander and ING. Non-residents usually borrow 60% to 75% of the value, against up to 90% for residents, in zloty at about 6% to 8%. Borrowers often pay a margin of 0.25% to 0.75% above the resident rate.
Is Polish property a good investment in 2026?
Price growth is easing from the 14% peak of 2023 and 2024 to about 3% to 5% a year. Gross rental yields run about 5% to 7% in Warsaw, Krakow, Wroclaw and the Tri-City, and Lodz is the cheaper entry point. Zloty swings affect returns in euros or dollars. Capital at risk.
Does buying property in Poland give residency?
No. Poland has no Golden Visa or residency by investment, and property gives no residence right. Non-EU buyers need a separate work, business, study, family or Karta Polaka route. EU, EEA and Swiss citizens can live in Poland freely.
Guides and insights
Buying in Poland
Country guide · 25 minPoland Investor GuideNavigate Poland's high-growth EU market, one of Europe's fastest-growing economies, strong urban rental demand, and unrestricted apartment ownership for all nationalitiesEU MemberStable MarketEmerging Investor MarketRead the guideCities2 guides
All Poland city guides
City guide · 8 minKrakówKraków is Poland's second-largest city (~804,000 in the city, ~1.43 million metro) and the historic royal capital. Its medieval Old Town, anchored by the vast Rynek Główny (Europe's largest medieval market square) and Wawel Royal Castle, was inscribed on the UNESCO World Heritage List in 1978, among the world's first twelve sites. Heritage tourism is a defining economic force: Kraków drew roughly 7–9 million visitors a year in 2023–2024, sustaining one of Central Europe's deepest short-term-rental and hospitality markets. Beyond tourism, Kraków is a major technology, BPO and shared-services hub, frequently ranked among Europe's top outsourcing destinations, with 84,500+ IT professionals and operations for IBM, Google, Cisco, Ericsson and others. This is underpinned by a huge student population: ~23 higher-education institutions and roughly 130,000–150,000 students, led by the Jagiellonian University (founded 1364, Poland's oldest) and AGH University. For investors, Kraków combines the demand-side strengths of a top tourist city, a deep graduate/young-professional rental pool, and a constrained, heritage-protected central housing supply. It is Poland's 2nd-priciest residential market after Warsaw, and prices are quoted in PLN, currency risk vs the euro is a real consideration. Non-EU buyers can purchase standalone apartments without a permit (only land/houses need an MSWiA permit), and Poland has no golden visa, buying property grants no residency.
City guide · 8 minWarsawWarsaw is Central and Eastern Europe's most liquid and dynamic property market, anchored by Poland's standing as one of the EU's strongest-growing major economies. As the capital of a ~38-million-person nation that has avoided recession for three decades, the city combines deep domestic demand, a fast-expanding services and tech sector, and a maturing institutional investment scene. Residential prices have risen sharply since 2020 but remain well below Western European capitals, roughly €4,000–4,800/m² citywide versus €10,000+ in Paris or London, leaving room for the 'economic convergence' thesis that values and rents rise faster here than in mature markets. The market entered a stabilisation phase in 2025 after several years of double-digit growth: Q1 2025 resale prices averaged ~16,460 PLN/m² (+8.1% YoY), while the broader seven-city market cooled to roughly flat YoY by Q3 2025 as affordability and the end of subsidised-mortgage schemes tempered demand. Gross rental yields remain attractive by EU-capital standards at roughly 5–6.5%, supported by a structural rental shortage and strong student/expat demand. For foreign investors, Warsaw's appeal is reinforced by an open ownership regime, non-EU buyers can purchase standalone apartments with no permit, low transaction friction (2% transfer tax on resale), and a value gap against Western Europe. The main risks are PLN currency exposure, the recent cooling in price momentum, and a national short-term-rental registration regime taking effect from May 2026.