Real Estate Calculators

Real estate costs in Poland

Buying property in Poland is one of the largest financial decisions in life — and one of the most expensive beyond the purchase price itself. Understanding all cost components helps avoid unpleasant surprises and plan your budget precisely.

PCC tax (civil-law transaction tax) is 2% of the property value when purchasing on the secondary market. For a flat worth PLN 500,000 that is a one-off cost of PLN 10,000. When buying from a developer (primary market), PCC does not apply — instead, the developer charges VAT: 8% for flats up to 150 m² or 23% for larger or commercial properties.

Notary fees are mandatory in every real estate sale. The notarial tariff is regulated by ministerial decree and depends on the contract value — for a PLN 500,000 property it amounts to approximately PLN 3,185 net (excl. VAT) plus the cost of deed copies and land-register entries. Total notary and court costs can reach PLN 4,000–6,000.

Creditworthiness is the key parameter when buying on a mortgage. Banks assess net income, existing obligations, the DTI (debt-to-income) ratio, BIK credit history and employment stability. The minimum down payment required is 20% of the property value (or 10% with low-equity insurance). For a PLN 500,000 flat that means at least PLN 100,000 of own funds.

Price per square metre in Poland varies sharply by location. In Warsaw the median is approximately PLN 14,000–17,000/m², in Kraków around PLN 12,000–15,000/m², and in smaller cities PLN 5,000–8,000/m². Finishing a developer-standard flat adds another PLN 1,500–3,500/m² — factor this into the budget from the start.

The rent-vs-buy decision requires comparing the monthly rent with the mortgage instalment plus running costs and the opportunity cost of the down payment. The rent-vs-buy calculator lets you model this balance across different property-price and interest-rate scenarios. Calculator results are indicative and do not replace personalised advice from a mortgage adviser.