Poland is an increasingly attractive property market for foreign buyers — strong economic fundamentals, EU membership and relatively affordable prices compared to Western Europe. Here is what you need to know before buying.
Can Foreigners Buy Property in Poland?
Yes — in most cases. Apartments and most residential properties in urban areas can be purchased by foreigners without any special permit. Agricultural land and forested land have additional restrictions.
EU Citizens vs Non-EU Citizens
EU, EEA and Swiss citizens can buy property in Poland with no restrictions — the same rights as Polish citizens.
Non-EU nationals can purchase apartments and most urban residential properties freely. Buying a house with land over 0.5 hectares, agricultural land, or forested property requires a permit from the Ministry of Interior. In practice, most expats buying apartments in Polish cities are not affected by this requirement, with one critical exception: the border zone (strefa nadgraniczna).
If you are a non-EU citizen purchasing any type of property—including a standard apartment—located in a designated border zone, you must obtain a permit from the Ministry of Interior and Administration (MSWiA). This includes major relocation hotspots like the entire Tri-City area (Gdańsk, Gdynia, Sopot), Świnoujście, and Szczecin. Failing to secure this permit before purchasing will render the transaction null and void under Polish law.
The Buying Process
- Find a property — through a local agent or property portal
- Sign a preliminary agreement (umowa przedwstępna) and pay a deposit (typically 10%)
- Due diligence — check the land register (Księga Wieczysta) for encumbrances
- Arrange financing — if using a mortgage, get approval before signing
- Final deed — signed before a Polish notary (required for all property transactions)
- Register ownership — the notary submits the application to the land register
Having a local property professional who works with international buyers makes this process significantly smoother. Our property assistance service connects you with trusted partners.
Costs to Expect
- Civil law transaction tax (PCC): 2% of purchase price (for second-hand properties)
- Notary fees: approximately 0.5–1% of purchase price
- Land register fee: PLN 200
- Agent commission: typically 2–3% (sometimes paid by seller)
New-build properties are exempt from PCC but subject to VAT (included in the developer's price).
Practical Tips for Foreign Buyers
- Always check the land register (Księga Wieczysta) before signing anything — it shows all ownership, mortgages and legal encumbrances
- Use a Polish-speaking solicitor or agent if you are not fluent — property contracts are complex
- Factor in currency exchange risk if your income is in a foreign currency
- Understand your tax obligations — rental income from Polish property is taxable in Poland
If you need help navigating the Polish property market, our Property in Poland service connects you with trusted professionals. Start with the free assessment to outline your situation and goals.