🇵🇱 Poland

Buying Property in Poland: A Guide for Foreign Buyers

Apartments in Poland cost from €3,100 to €3,500 per m² across the cities we track. Expect to pay another 3–6% of the price in taxes and fees.

Can foreigners buy property in Poland?

No restrictions for foreign buyers

EU/EEA and Swiss citizens buy freely. Non-EU buyers do not need a permit for a separate apartment (samodzielny lokal mieszkalny), except in border zones, but need a Ministry of Interior permit for land and houses.

Tax ID you'll need: PESEL or NIP

How to buy, step by step

  1. 1Check the land and mortgage register (księga wieczysta)
  2. 2Sign a preliminary agreement (umowa przedwstępna) and pay a deposit
  3. 3Arrange financing
  4. 4Sign the final notarial deed (akt notarialny)
  5. 5The notary collects PCC and files the land registry entry

What it costs

A 60 m² apartment in Warsaw at the average €3,500/m² costs about €210,000. Purchase taxes and fees add roughly €6,300–€12,600. Full breakdown of Poland property taxes and costs.

Krakow€3,100/m² · gross yield 5%Warsaw€3,500/m² · gross yield 5.1%

Mortgages and residency

Approx. 50–80% LTV; lending usually requires Polish residence or income.

Frequently Asked Questions

Can foreigners buy property in Poland?↓
EU/EEA and Swiss citizens buy freely. Non-EU buyers do not need a permit for a separate apartment (samodzielny lokal mieszkalny), except in border zones, but need a Ministry of Interior permit for land and houses.
How much are buying costs in Poland?↓
Typically 3–6% of the purchase price for a resale apartment, including transfer tax, notary or legal fees and registration.
How much does an apartment cost in Poland?↓
Average prices range from €3,100/m² to €3,500/m² across 2 cities; in Warsaw a 60 m² apartment costs about €210,000.
Can non-residents get a mortgage in Poland?↓
Approx. 50–80% LTV; lending usually requires Polish residence or income.
Property prices in Poland →Apartments for sale in Poland →Rental yield calculator →

Last reviewed 2026-10. General information, not tax or legal advice: rates change and often depend on region and buyer status, so confirm with a local notary, lawyer or tax adviser. Sources: Lexlege: Act on acquisition of real estate by foreigners, art. 8.