Renting or Buying Housing in Poland: Which is More Beneficial for Ukrainians

The question of choosing housing remains one of the most relevant for Ukrainians who have moved to Poland and intend to stay there for an extended period. Most often, two options are considered: renting or buying an apartment. Renting seems simpler, requires no significant one-time investments, and allows for mobility in case of a potential move. At the same time, the constant rise in rental prices prompts many to consider purchasing their own property.

This is reported by AgroReview

Comparison of Costs for Renting and Buying Housing

The average rent for a two-room apartment in major cities like Warsaw, Krakow, or Wroclaw ranges from 2500 to 4000 zlotys per month. Meanwhile, the monthly mortgage payment for similar housing (assuming a 20% down payment) typically ranges from 2200 to 3500 zlotys per month, depending on the loan term and interest rate.

“If you plan to stay in Poland, have a stable income, and legal status — buying an apartment is a more advantageous investment than renting.”

Renting is often contracted for a year and depends on the owner’s decision, who can not only increase the rent but also refuse to extend the contract after it expires.

Down Payment and Additional Costs of Buying

To buy an apartment in Poland, you need to have a down payment of 10–20% of the property’s value, which amounts to between 50,000 and 100,000 zlotys. It is also important to consider additional costs: notary fees, taxes, repairs, and other associated payments.

In the long term, the total monthly mortgage payments are often lower than the cost of renting. Moreover, purchasing housing is an investment in one’s own property, which may increase in value over time.