Property taxes in Poland when buying, selling and in other cases: what an investor needs to know

It is impossible not to notice how the property market in Poland is booming – attractive conditions for buying a home, a stable economy and a high standard of living make the country a real boon for investors. It offers the opportunity to invest in the future with confidence and significantly improve the quality of life. From affordable flats in Warsaw to luxury villas on the coast, there is something for everyone.

Advantages of buying property in Poland

The country has long ceased to be a “dark horse” in the European property market. Its advantages – from a stable economy to friendly legislation – create ideal conditions for buying a home. The state offers low interest rates on mortgage loans for foreign citizens, which makes the process of buying a home as affordable as possible. Flexible legislative norms allow foreigners to easily purchase living space and even obtain a residence permit.

Benefits:

1. Affordable mortgage interest rates starting at 3.5 per cent.
2. Possibility of obtaining a residence permit on the basis of a property purchase.
3. High level of security and access to European standards of living.
4. Continuous growth in property values, which provides a stable return on investment.

Data shows that the value of housing in Warsaw has increased by 15 per cent over the past five years – a loud signal to potential investors.

Property in Warsaw: the heart of European investment

The gold standard for those looking for profitable investments in Europe. The capital of Poland is a dynamic city that every year attracts more and more investors looking to invest in its rapidly developing infrastructure and economy. It is not only a business centre, but also the cultural heart of the country. It combines modern skyscrapers and historic buildings to create a unique atmosphere for living and working.

One example of a successful investment is the purchase of an office building in the city centre by a company from Germany, which increased its value by 25% after three years. Developed infrastructure, transport hubs and cultural centres make Warsaw attractive for both commercial and residential investments.

Property prices in Poland: what to expect?

The cost of Polish square metres continues to grow steadily despite global economic fluctuations. According to data for 2024, the average price per metre is around PLN 12,000, while in smaller cities such as Wrocław or Poznań, the price tags are between PLN 8,000 and 10,000. The market is stable, and experts predict a further increase in value, especially in larger cities and on the coast.

One of the reasons for such dynamics is the increasing demand for residential property for permanent residence and growing interest from foreign investors. This is due to the high quality of life and the availability of mortgage lending.

Investing in commercial property in Poland: prospects and benefits

Investments bring tangible benefits due to the stable demand for office and retail space. The white-red land is a leader among Central and Eastern European countries in attracting investment in commercial facilities. High profitability and attractive lease terms ensure a quick return on investment.

A successful example is an investment in a shopping centre in Krakow, which paid off within five years with a return of 8-10% annually. A developed economy, high level of consumption and steadily growing rental demand make commercial space an excellent choice for long-term investments.

Property in Poland for permanent residence: comfort and stability

A wide choice – from cosy apartments in historical centres to modern cottages in the suburbs. The Western Slavic state is renowned for its high quality of life, access to quality medicine and education, and safe ecology.

Life here is European-level stability, where affordable housing is combined with high quality services and developed infrastructure. For example, in cities such as Gdansk and Krakow, the combination of sea air and cultural heritage creates ideal conditions for a stay.

Villa in Poland: a luxurious investment in the future

The bold purchase of a premium estate is a smart move for those who want to secure their family’s future. There are many luxury properties to be found along the Baltic Sea coast that offer stunning sea views and a high level of privacy. Prices for such mansions range from 1.5 to 3 million euros, but the potential for growth in value makes it a worthwhile investment.

Apartments in Poland: urban comfort for those who appreciate convenience

Apartments are an ideal option for those looking for comfortable living in the centre of large cities. Modern apartment complexes offer everything you need for life: 24-hour security, car parks, fitness centres and even swimming pools. Such premises are in high demand among tenants, which makes their purchase a profitable investment with a steady income.

Conclusion

Property in Poland is not just square metres, it is a confident step into the future, providing stability and comfort. Buying a home here is an opportunity to live in the centre of Europe, enjoying a high quality of life, security and access to the best services. A favourable purchase opens the door to new opportunities, be it investing in commercial property or choosing a cosy home for permanent residence. Investing in Polish residential property is a smart choice for those who want to preserve and multiply their assets and ensure a stable future for their family.

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.

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:

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.