Real estate in Poland

Cost of living in Poland in 2025: whether it is worth moving from Russia

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Poland has attracted the attention of emigrants in recent years due to its favourable geographical location, stable economy and affordable living conditions. This country offers not only comfortable accommodation and quality infrastructure, but also a high level of security. In this article we will tell you how much it really costs to live in Poland, and whether moving there is justified.

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Why is Poland attracting new residents?

Economic stability, growing employment opportunities and proximity to other European countries make the Republic attractive for emigration. Poland combines a moderate cost of living, tradition and modernity, providing access to all the benefits of civilisation and preserving cultural diversity.

Geographical location and climate

The country occupies a central position in Europe, which makes it convenient for international travellers. Regular flights, well-developed railways and convenient buses make travelling between neighbouring countries quick and inexpensive. The southern regions are known for the Tatra Mountains, ideal for winter sports, while the northern regions, such as Gdansk, offer holidays by the Baltic Sea.

The climate is temperate: summers are warm, with average temperatures around +22°C, and winters are mild, with temperatures around -2°C. These conditions are favourable for a comfortable life both in large cities and in rural areas.

Social policy

The Republic offers access to free education and quality medical care. Public schools and universities provide a high level of education, while medical centres guarantee modern equipment and professional staff.

The transport system includes high-speed trains, buses and subways in major cities. Tickets for public transport cost from PLN 3.5, a monthly season ticket costs about 150. These factors make the cost of living in Poland balanced – residents receive a wide range of services for reasonable money.

How much does it cost to live in Poland?

The total cost of living in Poland includes the cost of rent, food, utilities and transport. The level of costs depends on the region: Warsaw and Krakow are considered the most expensive cities, while provincial regions offer more affordable conditions.

Renting accommodation in Poland

Housing is one of the key cost items. The cost of rent depends on the location, area and condition of the property:

  1. Warsaw: renting a studio in the centre – about 2500 PLN, on the outskirts – 1800 PLN.
  2. Krakow: a one-bedroom flat in the heart of the city costs 2200 PLN, outside – 1600 PLN.
  3. Gdańsk: studio rent starts from PLN 2000 in the centre and PLN 1500 on the outskirts.

To reduce costs, many people choose to live in the provinces, where a one-bedroom flat can be rented for 1200-1500 PLN. Renting together with neighbours is another popular way to save money.

Food prices in Poland

Food remains affordable even for families on a tight budget. Biedronka, Lidl and Carrefour supermarkets regularly offer discounts, while farmers’ markets offer fresh fruit and vegetables at low prices:

  1. A litre of milk is 4 zlotys.
  2. A loaf of bread – 3 zlotys.
  3. A kilo of chicken fillet – 20 zlotys.
  4. A kilo of potatoes – 3 zlotys.
  5. A dozen eggs – 8 zlotys.

Wages and expenses: average cost of living in Poland

The average wage in the country provides a sufficient standard of living to cover basic expenses and even allows to form a financial cushion. The amounts vary depending on the city, region and field of activity:

  1. Warsaw: about 6,000 PLN before taxes. International companies offering competitive salaries are concentrated in the capital, especially in IT, finance and marketing.
  2. Krakow: 5500 zloty. The city is known for its tourist infrastructure, which creates opportunities for work in the hotel and restaurant business.
  3. Wroclaw: 5000 zlotys. The subject is actively developing as a centre for start-ups and innovations.

After taxes, about 70 per cent of this amount remains. This is enough to cover key expenses, including housing, food, transport and utilities. For additional income, many people consider the logistics or service industries.

Average Costs:

  1. Utilities for a one-bedroom flat: 400-600 PLN per month. This includes heating, electricity, water and internet. In winter, heating bills may increase by 20-30%.
  2. Transport: a monthly bus pass costs about 150 PLN.
  3. Other expenses: entertainment, gyms, hobbies and trips to cafes usually cost 200-500 PLN per month.

Cost calculations confirm that life in Poland is balanced, especially for families and young professionals seeking financial stability.

Total costs: is it worth moving to Poland from Russia?

Moving provides a range of opportunities to improve the quality of life. Affordable housing, a stable economy and a European level of infrastructure make the country an optimal choice for emigration.

Benefits:

  1. Affordable cost of living in Poland. Prices for housing, groceries and transport remain significantly lower than in most Western European countries.
  2. High level of security. Poland is among the safest European countries, which is especially important for families with children.
  3. Convenient Location. The state borders with Germany, Czech Republic, Slovakia, Ukraine and Lithuania, which allows travelling around Europe with minimum expenses.
  4. Developed economy. A stable labour market, low unemployment and opportunities for professional growth make the Republic attractive to expats.

Disadvantages of living in Poland for Russians:

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  1. The need to learn Polish. Despite the availability of English-speaking vacancies, knowledge of the local language will be required for integration into society.
  2. Higher costs in larger cities. Warsaw and Krakow have noticeably higher prices for rent and services than provincial subjects.

Conclusion

Poland offers an optimal combination of quality and cost of living. Regional differences allow you to choose the right rhythm – from the dynamism of metropolises to the quietness of the provinces. For a successful move, it is important to take into account the costs of housing, food and transport, as well as to adapt to local conditions. The cost of living in Poland justifies the choice for those seeking stability and comfort.

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There are more and more people wishing to settle in the Polish metropolis, so the demand for housing is constantly growing. Warsaw’s districts for buying property are diverse: from elite neighbourhoods in the centre to promising suburbs with affordable prices. Everyone will find a suitable option.

The growth in the cost per square metre has been observed over the last ten years. According to Polish analysts, the annual increase in property prices is 5-10%. In some districts of the capital the figures are even higher. This is influenced by the developed transport network, modern residential complexes and high standard of living. Where to buy a flat in Warsaw depends on your goals: living, renting or investing.

Warsaw neighbourhoods for buying property

Choosing where to live is a key factor when buying a home. Warsaw districts for buying property vary in terms of prestige, infrastructure, security and cost per square metre. In the centre there are expensive residential complexes and office buildings. Dormitory districts offer comfortable housing at a reasonable price.

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In recent years, interest in property in Warsaw has been growing. Flats are bought by locals and foreign investors. When choosing a district, people pay attention to the convenience and travel time to work, the quality of schools and the availability of shopping centres. Prices for housing in the neighbourhoods differ, but you can find an option for any budget.

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Some districts of the capital are considered the best for life. They are characterised by convenient infrastructure, good houses and affordable prices. Others attract investors with prospects of price growth and active construction of new objects. The choice depends on the preferences and goals of the buyer: comfortable living, renting or long-term investment.

Warsaw city centre: prestige and high prices

The proximity to business districts and historical sights makes the central districts the most expensive. The average property price here exceeds 20,000 PLN per m². The main offers are concentrated in business class new buildings. The flats here are equipped with smart home systems, underground car parks and security.

Joliboge is an upmarket neighbourhood with history

A neighbourhood with a rich history and unique architecture. Low-rise residential complexes with closed territories prevail here. The cost of housing is 18,000-20,000 PLN per m². Żoliborz is ideal for those who appreciate silence, green areas and a high level of security.

Wola and Mokotów: balancing comfort and accessibility

The neighbourhoods are ideal for working professionals. Developed infrastructure, proximity to the metro and diversity of housing make them attractive for families and investors. Where to buy a flat in Warsaw to combine comfort and affordability? Wola and Mokotów offer flats starting from 12 500 PLN per m².

Prague-Pulnoc and Bemovo: promising areas for investment

These neighbourhoods are under active development. Prague-Pulnoc attracts property developers, while Bemovo remains one of the greenest and most environmentally friendly areas in the capital. The average price of housing here is 10,500-12,000 PLN per m².

Warsaw real estate: prices by neighbourhood

The cost of housing in Warsaw depends on the region, the age of the house and the type of development. In the centre, prices can reach 20,000 PLN per m², while in new complexes prices start from 15,000 PLN per m². On the outskirts you can find offers for 9,000 PLN per m².

Price table by area:

District New buildings (PLN/m²) Secondary (PLN/m²)
Centre 20 000+ 16 000+
Zolibozh 18 000+ 15 000+
Will 15 000+ 12 500+
Prague-Pulnotz 13 000+ 10 500+
Bemovo 12 000+ 9 000+

Property in Warsaw for foreigners: what you need to know

Foreign buyers can purchase flats in Warsaw without restrictions. The purchase of houses with land plots requires a special permit from the Polish Ministry of Interior. Owning a flat does not automatically entitle you to a residence permit or a permanent residence permit, but it significantly facilitates the process of obtaining them.

Legal aspects and authorisations

Polish law does not restrict foreigners from buying flats and flats. But buying a private house with a plot of land requires a special permit. The process takes several months and requires proof of connection with Poland. For example: having a business, job or family ties.

Basic requirements for the purchase of real estate by foreigners

In order to buy a flat in Warsaw, you need to fulfil a number of conditions and submit documents:

  • passport and identification number (PESEL). The identification number is required for tax operations and transaction registration;
  • an open bank account in a Polish bank. A prerequisite for transferring funds and paying for the purchase;
  • a notarised contract of sale. The conclusion of the transaction takes place only at a notary, who records the change of ownership in the state register;
  • payment of taxes and registration fees. The buyer must pay the civil transaction tax (2% of the property value) and pay the title registration fee.

Additional nuances for foreign buyers:

  1. Possibility to take out a mortgage: foreigners can obtain a mortgage loan from Polish banks. This requires a stable income and proof of financial solvency.
  2. Taxes and additional costs: in addition to the main tax, the buyer pays the services of a notary (0.5-1% of the value). Also the registration of the transaction and possible realtor fees.
  3. Property documents: before buying, it is important to check the history of the flat, absence of debts and arrests on the property.

Overall, property in Warsaw remains an open and promising market for foreigners. Here, buyers can purchase housing with minimal restrictions and favourable conditions.

Reviews about buying property in Warsaw

According to the feedback from owners, buying a home in Warsaw is a profitable investment. Especially in areas with developed infrastructure and the prospect of price growth. The main advantages are noted by investors buying flats for rent. Rental yields average 5-7% per annum.

Disadvantages include high prices in the centre and difficulties with parking. Residents of suburban areas point out the long journey to the centre during rush hours. They compensate for this by the comfort of living.

Which Warsaw neighbourhood should I choose for buying a property?

The choice of neighbourhood depends on your goals. For a comfortable life, Zolibozh and Mokotów are more suitable. For business and investment, the Centre and Volia are advantageous. If it is important to find affordable housing, you should pay attention to Prague-Pulnotz and Bemowo. Warsaw’s neighbourhoods for buying property are diverse. Everyone can find the best option, taking into account their budget and needs.

The global real estate market is not just about square meters, but a space of opportunities. Against the backdrop of turbulence in the economy and politics, foreign ownership has become not a symbol of luxury, but a risk hedging tool, a channel for diversification, and strategic capital migration. Eastern and Western Europe, the Middle East, Southeast Asia, South America — each geography offers unique combinations of profitability, tax regimes, living conditions, and growth scales. Poland, for example, has become one of the new hubs for investment demand due to stable macroeconomics, market digitalization, and accessible credit leverage.

European Arena: Where Stability is Sought

Poland, Germany, Portugal, Hungary — locations attract investors with stable jurisdiction, property rights protection, and clear deal architecture. Why buy real estate abroad in these countries? The answer lies in the opportunity to earn stable income with a low entry threshold.

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In Poland, for instance, the average price per square meter in Warsaw is around 2,500 euros, while in Berlin it is already 5,000 euros. The market shows an annual growth of up to 7–9%, and tenant demand remains consistently high — especially in Krakow and Wroclaw due to IT clusters and student flows. Renting a studio in the center of Krakow brings in about 600 euros per month, with an annual post-tax yield reaching 5.1%.

Countries within the Schengen area not only allow earning but also free movement, opening up prospects for both leisure and relocation. Buying real estate abroad becomes a platform for obtaining a residence permit, access to healthcare systems, educational institutions, and banking products.

Profitable Mathematics: Why Buy Real Estate Abroad

The economic feasibility of a purchase begins with calculation. Why buy real estate abroad if domestic yields are falling and depreciation costs are rising? A well-structured model provides the opportunity to bypass inflationary losses and earn on two fronts — rent + capitalization.

Example calculation in the Polish market:

  1. Property: two-bedroom apartment in Lodz with an area of 55 m².
  2. Cost: 120,000 euros (including registration and renovation).
  3. Rental income: 750 euros per month.
  4. Taxes and maintenance: around 80 euros.
  5. Net profit: 670 euros per month.
  6. Annual yield: ≈ 6.7%.

The capitalization rate shows that the property will fully pay off within 14–15 years without considering price growth. Additionally, annual housing appreciation in Poland ranges from 5 to 11% depending on the province.

Legal Control: Legal Nuances of Ownership

Each country offers unique ownership conditions. Why buy real estate abroad if the legal framework is not transparent? This is why Poland and the Czech Republic have become points of attraction: here, ownership can be registered both to individuals and legal entities without the need for local registration.

In Poland, a non-resident gains ownership rights after approval by the Ministry of Internal Affairs, but when buying an apartment in a multi-story building, this approval is not required. The transaction process is notarially controlled, and registration takes between 14 and 21 days. All contracts are accompanied by electronic extracts from the cadastre.

By purchasing real estate abroad, the owner gains access to tax deductions, simplified inheritance opportunities, and property insurance. The Polish market also offers tax benefits for EU residents, and rental income when registering as a sole proprietor is taxed at a fixed rate of 8.5%.

Why Buy Real Estate Abroad: Migration Effect

Why buy real estate abroad if it’s not just about income? The question opens up a strategic level — managing the location of life. Europe offers flexible residency programs based on ownership, especially popular in Portugal, Greece, Latvia, Spain, and Poland.

The Polish residency program based on real estate allows obtaining a temporary residence permit for up to 3 years with the possibility of extension, and after 5 years, applying for permanent residency. In addition, residents gain access to public healthcare, schools, and the labor market.

Quality of life, safety, ecology, and social standards become compelling arguments. In cities like Wroclaw, Poznan, or Katowice, for 150,000 euros, one can purchase a spacious apartment with underground parking and panoramic windows. In neighboring Germany, a comparable level of service would cost 2.5 times more.

New Formats: Where Value Grows

Buying real estate abroad is increasingly directed towards non-standard formats. Investors are choosing smart apartments, lofts, mini-hotels, and houses with plots in low-rise construction. Eastern European countries, including Poland, are unlocking the potential of suburbanization — demand for cottages within a 15–30 km radius of major cities is growing by 11–13% annually.

Developing formats that investors most commonly invest in:

  1. Aparthotels in tourist centers (Krakow, Zakopane).
  2. Mini-complexes with shared spaces (co-living).
  3. Cottages in agro-regions for weekend rentals.
  4. Lofts in former industrial zones.

Investors purchasing such real estate abroad gain an advantage in a dynamic segment where competition is still minimal, and profitability exceeds traditional residential properties.

Simplified Control and Remote Management Scheme

Market digitalization has simplified property ownership in other countries. Through tenant management platforms and automated calculations, properties can be controlled remotely using reporting, video analytics, smart locks, and remote cleaning services.

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Why buy real estate abroad if management involves risks? Today, routine tasks can be delegated by contracting with a management company in Poland, paying utility bills through a banking API, and receiving a tax report in one click. This reduces the workload and opens the way to a multi-property portfolio.

Conclusion

Every euro invested works towards stability and capital development. Poland, as an example of balance between accessibility, profitability, and predictable growth, demonstrates why buying real estate abroad even in uncertain conditions is an instrument that protects, multiplies, and forms a platform for the future.