Poland Apartment Prices Falling: Investment Opportunities 2025
Apartment prices in Poland are falling at an increasingly rapid rate, creating a perfect storm for property investors. The latest data shows June marked the fifth consecutive month where price drops dominated the market. Even better? Interest rates are tumbling too. This double whammy means your money stretches further than it has in years.
The Numbers Don’t Lie: Poland’s Property Market is Cooling Fast
The property market has shifted into reverse gear. Recent analysis covering 17 major Polish cities reveals a clear pattern. Price declines prevailed in 10 cities, while only 7 saw increases.
June’s data tells the same story as the previous four months. Prices are softening across the board. March was the only month this year where increases dominated.
But here’s the kicker – the changes aren’t dramatic. The average price shift from December 2024 to June was just -0.5%. This gradual decline is creating buying opportunities without the need for panic selling.
Interest Rate Relief
Mortgage costs have plummeted. In December 2024, average rates reached 7.45%. Fast forward to July, and rates are expected to drop to around 6.45%. That’s a full percentage point difference.
Price Pressure
Apartment asking prices continue their gentle slide downwards. Combined with cheaper borrowing, this creates a buyer’s paradise.
The result? Monthly mortgage payments have dropped by 10% across major cities. That’s an average saving of PLN 345 per month on your repayments.
What This Means for Your Wallet
A 50-square-metre apartment now costs 10% less to finance than six months ago. Even if your salary hasn’t budged, your purchasing power has grown significantly.
Take Toruń as an example. Apartment prices rose from PLN 459,000 to PLN 504,000. But here’s the twist – monthly instalments barely moved. They crept up from PLN 2,855 to just PLN 2,879. The interest rate cuts largely offset the price increase.
✔ We provide an extensive assessment of all interior and exterior spaces.
✔ Highlight any issues in the property that fall short of the warranty standards
✔ Highlight any breaches of building regulations or any other statutory technical guidance
Frequently Asked Questions
Q: Are Polish apartment prices crashing? A: No, this isn’t a crash. The average decline is just 0.5% over six months. It’s a gentle correction creating buying opportunities.
Q: Which Polish cities offer the best investment potential right now? A: Based on the data, Gdańsk and Toruń show strong potential despite slight price increases, as lower interest rates have kept mortgage costs manageable. Cities experiencing price declines offer immediate value opportunities. Focus on major urban centres like Warsaw, Kraków, and Wrocław, where strong employment markets support rental demand even during price corrections.
Q: How much can I save on mortgage payments? A: Average monthly payments have dropped by PLN 345 (10%) across the surveyed cities due to falling interest rates.
Q: Is now a good time to buy Polish property? A: The combination of falling prices and lower interest rates creates attractive conditions. Your money goes 10% further than six months ago.
Q: Will prices continue falling? A: The data shows gradual adjustments rather than steep declines. Five months of price drops suggest the correction may continue in the short term.
