Poland: housing

Are house prices rising in Poland?

Residential prices in Poland were 6.3% higher in the second quarter of 2026 than a year earlier, according to Statistics Poland's residential price index. Prices rose 1.5% on the previous quarter. New homes were up 6.5% on the year and existing homes 6.1%.

The index is built from notarial deeds of sale, adjusted so that changes in the mix of homes sold do not distort it. It measures price changes, not average prices per square metre. Narodowy Bank Polski publishes separate quarterly reports with average prices per square metre in the largest cities.

Official sources: GUS: Price indices of residential premises, Q2 2026 · Narodowy Bank Polski

How many new homes are being built in Poland?

132.2 thousand dwellings were completed in Poland in January to August 2026, 4.5% more than a year earlier, according to Statistics Poland's preliminary data. Developers completed 81.5 thousand and private investors 45.2 thousand. Housing starts rose 4.8% and permits or registered projects 14.9%.

Completions reflect construction decisions taken two or more years earlier, while starts and permits point to what may be completed later. The average new dwelling had 88.2 square metres of usable floor area.

Official sources: GUS: Residential construction, January-August 2026

How many homes are there in Poland?

Poland had almost 16.2 million dwellings at the end of 2025, 1.2% or 196.5 thousand more than a year earlier, according to Statistics Poland's report on the housing economy in 2025. About 11.0 million were in towns and 5.2 million in rural areas, with a total usable floor area of 1,223.5 million square metres.

The stock is estimated by adding completions to the last census count and removing demolitions. Set against a population of 37.3 million, it gives roughly 434 dwellings per 1,000 people. The count includes dwellings that are empty or used as second homes.

Official sources: GUS: Housing economy in 2025

What determines mortgage rates in Poland?

Most Polish mortgages carry a variable rate tied to short-term money-market rates, which follow Narodowy Bank Polski's reference rate, currently 3.75%, in force since 5 March 2026.

The rate a borrower pays is the benchmark rate plus a bank's margin, so changes in the reference rate pass through to monthly payments at the next rate reset. NBP publishes average interest rates on new housing loans in its monetary statistics, and the Polish Financial Supervision Authority publishes the regulator's rules on mortgage lending.

Official sources: NBP: Interest rates · Polish Financial Supervision Authority (KNF)

What share of Poland is urban?

The latest figure from the UN Population Division, for 2025, is 60.1%. Since 2005 it has ranged from 59.8% (2021) to 61.5% (2005). It is 39th highest of 52 in Europe & Central Asia, where the median is 69.6%. Of 193 countries with 2025 data, 106th highest.

How many people in Poland live in slums?

According to UN-Habitat, the share of city dwellers living in slums in Poland was 4.2% in 2022. Its high point since 2006 was 2016, at 4.5%; its low point was 2014, at 0.1%. Europe & Central Asia median: 0.3%; Poland is 8th highest of 43. World rank, highest first: 110th of 170.

What share of people in Poland have electricity?

The World Bank puts the share of people with access to electricity in Poland at 100.0% in 2024. No year since 2005 has been higher. Across Europe & Central Asia the middle value was 100.0%, and Poland placed 1st highest of 52. Worldwide: 1st of 193.

How many people in Poland have clean water?

According to WHO and UNICEF, the share of people using safely managed drinking water in Poland was 88.7% in 2024. It is the bottom of the series, which starts in 2005. Europe & Central Asia median: 96.7%; Poland is 35th highest of 51. Of 134 countries with 2024 data, 53rd highest.

What share of people in Poland have safe sanitation?

According to WHO and UNICEF, the share of people using safely managed sanitation in Poland was 97.8% in 2024. Since 2005 it has ranged from 89.5% (2005) to 97.8% (2018). Europe & Central Asia median: 90.2%; Poland is 7th highest of 45. World rank, highest first: 14th of 134.

How many people in Poland cook with wood or charcoal?

According to the WHO, the share of people using clean cooking fuels in Poland was 98.0% in 2024. That is the highest since at least 2005. Across Europe & Central Asia the middle value was 99.0%, and Poland placed 30th highest of 51. World rank, highest first: 63rd of 192.