The prices of apartments in Poland in 2025 are expected to increase. Real property officials already know that

In 2024 the Polish real property marketplace underwent crucial changes which affected the purchasing opportunities of Poles. Housing prices increased on average by respective percent, while maintaining creditworthiness on an almost unchanged level. This phenomenon made it much harder to buy your own place, especially in the largest agglomerations.

Increase in housing prices in major cities

According to the data of the Polish economical Institute, in 2024 the prices of housing on the secondary marketplace in the 17 largest cities of Poland increased by 18% a year and in the primary marketplace by 14%. The largest price increases were recorded in cities specified as Łódź (15.1%), Tricity (14%) and Warsaw (11.5%). In the capital, the average transaction price on the primary marketplace in the second 4th of 2024 was 16,021 PLN/m2, which means an increase of 21.6% compared to the same period of the erstwhile year.

Stable lending capacity of Poles

Despite rising property prices, credit capacity of Poles in 2024 it remained almost unchanged. The net single with income of PLN 6.5 1000 could number on a debt of up to PLN 481,000, which in Warsaw allowed to buy an flat of about 30.6 m2. In turn, the net pair earning PLN 8,000 had a credit capacity of PLN 567,000, which in many large cities allowed to acquisition an flat of little than 40 m2.

Regional disparities in housing availability

The analysis of the real property marketplace shows crucial differences in the availability of housing per region. In cities specified as Bydgoszcz, Katowice, Kielce, Łódź or Zielona Góra, an flat of up to 60 m2 could be purchased for the amount available for the single with income of PLN 6.5 1000 net. However, only studios or tiny two-bedroom apartments were available in Warsaw or Krakow for the same amount.

Families with children besides faced difficulties. For example, the 2+2 household with income of PLN 12,000 could afford to buy a tiny three-bedroom flat in Warsaw or Krakow. However, in cities specified as Łódź, Olsztyn or Zielona Góra, you could find more than 100 m2 of space for this amount.

Future projections

Experts foretell that in 2025 the growth in housing prices may slow down. In October 2024, the Housing Price Index decreased by 0.2% on a monthly basis, which may propose marketplace stability. Nevertheless, persistent inflation and uncertainty in financial markets make future changes hard to predict.

Conclusion for possible purchasers

The current situation in the real property marketplace poses many challenges for possible buyers. increasing housing prices, while failing to increase creditworthiness, limit the anticipation of buying their own accommodation, especially in the largest cities. Therefore, before deciding to acquisition the property, it is worth carefully examining its financial situation, checking credit opportunities and considering alternate locations that can offer more favourable pricing conditions.