Affordable Real Estate in Poland: Top Cities for Overseas Buyers and FAQs

Gdynia Property Poland

Poland’s Real Estate Boom

Poland’s real estate market continues to show remarkable growth, with housing prices recording the highest annual increase in the EU as of 2024, according to Notes from Poland. An impressive 18% year-on-year increase highlights the growing demand for properties, making Poland a key destination for international property buyers.

Why Are Housing Prices Rising?

Rising property costs in Poland are driven by a limited supply in urban centres, coupled with high demand from both local and international buyers. Cities like Warsaw, Kraków, and Wrocław are leading this trend, but affordable opportunities still exist in smaller cities such as Szczecin and Łódź.

Top Locations for Overseas Buyers

Łódź

Location: Central Poland, approximately 135 km (84 miles) southwest of Warsaw. Transport Links: Around 1.5 hours by car or train from Warsaw. The city has its own domestic airport, Łódź Władysław Reymont Airport, with Warsaw Chopin Airport nearby for international flights. Why Buy? Known for its industrial heritage, Łódź offers competitive property prices and high rental yields, making it ideal for investors seeking income-generating assets.

Szczecin

Location: Northwestern Poland, near the German border. Transport Links: About 140 km (87 miles) from Berlin and 560 km (348 miles) northwest of Warsaw. Szczecin-Goleniów Airport provides connections to key European destinations. Why Buy? This port city offers affordable properties compared to major cities, making it an excellent choice for investors looking for coastal living or cross-border opportunities.

Gdynia

Location: Northern Poland, part of the Tricity metropolitan area alongside Gdańsk and Sopot. Transport Links: Approximately 350 km (217 miles) north of Warsaw, accessible by train in 3 hours. The nearby Gdańsk Lech Wałęsa Airport is a major international hub. Why Buy? Gdynia combines coastal charm with urban amenities, making it ideal for buyers seeking a blend of lifestyle and investment potential.

FAQs for International Buyers

  • Can foreigners buy property in Poland? Yes, foreigners can purchase property in Poland. However, acquiring agricultural land or properties near borders may require special permits.
  • What are the financing options? Polish banks offer mortgages to foreign buyers, typically requiring a 20%-30% down payment. Terms and interest rates vary, so consult multiple lenders.
  • Are there tax implications? Property tax and rental income tax apply. Check for double taxation agreements between Poland and your home country.
  • What additional costs should buyers anticipate? Notary fees, registration fees, and agency commissions usually amount to 2%-4% of the purchase price.

Investment Potential

Despite the rising prices, Poland remains more affordable than Western European countries. Cities like Szczecin and Łódź still offer properties under 9,000 PLN per square metre, presenting excellent opportunities for overseas investors. According to Realting, rental yields in smaller cities range from 5-6%, further enhancing their appeal.

Conclusion

Poland’s real estate market in 2025 offers a mix of growth and affordability. Cities like Łódź, Szczecin, and Gdynia are ideal for international buyers seeking both value and potential. Whether you’re looking for a second home, rental income, or a long-term investment, Poland’s dynamic property market has something for everyone. See Cheap Houses For Sale Poland

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