Buying an Apartment in Poland in 2026: What Do Ukrainians Need to Know Before Investing?

Buying an apartment in Poland remains a popular option for Ukrainians. Find out what to look for, what costs to consider, and how to safely complete the transaction

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Demand for housing in Poland continues to grow, and with it, rental rates. According to data from the Central Statistical Office of Poland (GUS), rental prices will continue to rise, making the purchase of real estate one of the most popular choices among Ukrainians. As reported by vechirniy.kyiv, Poland remains attractive for living and investing thanks to its stable economy, clear regulations, and geographical proximity to Ukraine.

Key Factors Influencing the Choice of an Apartment

Before buying a home, it is important to assess the property’s key characteristics, as these determine its liquidity and potential income.

First and foremost, location matters. In large cities such as Warsaw or Kraków, housing is more expensive, but rental demand remains consistently high. In smaller cities, prices are lower, though investment appeal may be reduced.

The type of market is no less important. New-construction properties are often more profitable during the construction phase, but they require time to become ready for occupancy. The secondary market allows you to move in immediately or start renting out the property right away.

Infrastructure is another critical factor. The availability of transportation, schools, shops, and business centers directly impacts living comfort and the future value of the apartment.

It’s also worth considering the condition of the property. Renovated and furnished apartments allow you to generate income quickly without additional expenses. Special attention should be paid to the area’s development prospects: new infrastructure projects can significantly increase property prices in a few years.

Read also: Top investment destinations in 2026 — why Indonesia beats Dubai.

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Financial details: what expenses should you expect?

Buying an apartment in Poland involves more than just the cost of the property itself. You must factor in additional expenses:

● taxes and notary fees;

● document processing;

● housing maintenance costs (utility bills, building maintenance);

In the secondary market, the buyer pays approximately 2% tax on the property’s value.

Regarding financing, foreigners can obtain a mortgage, but under certain conditions—specifically, if they have a stable income and a residence permit. At the same time, the investment appeal remains high: in major cities, rental income can yield 5–7% annually.

Read also: Where in Europe will housing be the most expensive in 2026 — a ranking of capitals with the highest prices.

How does the home-buying process work?

The process of purchasing an apartment in Poland is transparent but requires attention to detail. The standard procedure includes several stages:

1. Selecting a property.

2. Legal review of documents.

3. Signing a preliminary agreement.

4. Signing the main contract at a notary’s office.

5. Registering ownership.

To finalize the transaction, you will need a foreign passport, a PESEL number, and proof of the funds’ legality.

Important: Even though the process is formally straightforward, foreigners should carefully review all legal nuances. If complex questions arise regarding residency status, documents, or the transaction, it is advisable to consult with specialists in advance. For example, through Visit Ukraine, you can get advice from immigration lawyers who will help you navigate the procedures and avoid mistakes during the process.

Why does Poland remain a profitable investment destination?

Despite rising prices, the Polish real estate market remains stable and predictable. The combination of rental demand, economic development, and clear rules for foreigners makes it one of the most attractive markets in Europe.

A thorough analysis of the location, financial costs, and legal nuances allows you not only to safely purchase a home but also to secure a stable income in the future.

We remind you! Real estate prices in Europe continue to rise rapidly, with annual price increases exceeding 20% in some countries. The greatest pressure on the market comes from investors, international demand, and economic growth. Read more about where housing prices are rising the fastest in 2026.

Photo: armmypicca / Freepik

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