Buying an Apartment in a New Building in Warsaw: Prices, Areas, Purchase Conditions

Poland is often the object of interest for investors, not only from Europe but also from Asia. Interest is fueled by a developed economy, which, despite global pressure, maintains stable GDP growth rates of 3.4% per year. Thanks to relatively low inflation of 4.2%, the volume of investments in Polish real estate has increased the turnover of the local market to €4.4 billion (by the end of 2024). 

This is higher than the total investment in the markets of Hungary, Romania, the Czech Republic, and Slovakia. The majority of all financial transactions in Poland are carried out in Warsaw, where the most prestigious and expensive properties in the entire country are being built. 

We have made a rating of ten prestigious properties in Poland, trying to include not only the premium segment but also new buildings of medium and low budget availability.

Features of Real Estate in Warsaw

Warsaw dominates the Polish real estate market, accounting for about 42% of the total volume of transactions in the primary housing market in the country. As already mentioned, the total volume of investments in Poland amounted to €4.4 billion, of which about 60% (€2.64 billion) were in Warsaw.

Such figures are achieved due to the main feature of the local real estate market - high demand with a shortage of supply. Due to this, the average price per square meter is growing, which by the beginning of 2025 amounted to about 16,000 PLN (€3,768). In general, Warsaw generates about 40-45% of all demand for housing in Poland.

The most prestigious areas are considered to be:

• Wola. A business hub with skyscrapers, attracting investors and expats. New buildings, such as a residential quarter with 136 apartments (28-96 m²), provide rental yields of up to 6%.
• Praga-Południe. A rapidly developing area with prices starting from 646,100 PLN per apartment, popular due to its affordability and proximity to parks.
• Mokotów. A prestigious area with prices up to 24,000 PLN/sq. m, popular with families due to its greenery and schools.
• Ursynow and Bemowo. Budget areas with prices starting from 12,000 PLN/sq. m, popular with young families due to the metro.

The purchase of real estate in Poland, including Warsaw, is regulated by the Act on the Acquisition of Real Estate by Foreigners (Ustawa o nabywaniu nieruchomości przez cudzoziemców). It allows EU citizens to freely purchase residential real estate (apartments, houses). When purchasing land, a permit from the Ministry of the Interior and Administration (MSWiA) is required. Non-EU citizens also need a permit to purchase commercial properties, land over 1 ha, or properties in border areas.

Buying a Home with Credit 

The purpose of most labor migrants coming to Poland is to stay permanently. Therefore, owning local real estate is quite a profitable solution, even if you buy on credit. In reality, mortgage payments are often less than rent. For families where both spouses will work, buying housing in Poland with credit becomes even more attractive. 

In 2024, mortgage activity decreased by 38% due to the end of the Safe Credit 2% program. Banks in general began to assess risks more carefully, especially when issuing loans for premium-class properties. They also increased the down payment requirements for citizens from non-EU countries to at least 20-30% of the property value.

TOP 5 New Buildings in Warsaw

We selected properties located directly in Warsaw itself. Construction is in full swing, but most of the available land for development is located in remote areas on the outskirts of the capital. The options presented are located within relative accessibility of the city center.

Residential Complex in Volya

A residential complex in a modern architectural style with cascading terraces and balconies surrounded by over 100 hectares of green space, including parks and squares. Glass and metal are widely used in the design. The building type is monolithic, 15 floors, and the area of ​​apartments is 28–96 m² (1–4-room comfort class apartments). The cost of objects starts from €118,628, depending on the layout and floor. 

The residential complex is located in the Wola district of Warsaw. Within walking distance are the Młynów and Płocka metro stations. Within a radius of 1 km are the Multikino Wola Park, the Ulrich Gardens Amphitheater, the Wolskie Centrum Kultury, and the Warsaw Uprising Museum. The area has well-developed infrastructure: kindergartens, schools, medical centers, restaurants, cafés, and the Westfield Mokotów shopping center are a 15-minute drive away.

Residential Complex in Włochy

A residential complex with a minimalist design. In the center of the complex, there is a green area. The building will have spacious terraces (but only for owners of apartments on the upper floors) and a rain garden, where you can feed the birds and relax after a day of work.

The monolithic building will have a total of 86 comfort-class apartments with an area of ​​26–139 m² (1–5-room apartments, from cavaliers to spacious family apartments). Prices range from 653,000–2,579,000 PLN (€145,970–€576,500).

The residential complex is located in the Włochy district, a 15-minute drive from the center of Warsaw, next to the Aleja Jerozolimskie railway station. Blue City and Atrium Reduta shopping centers are 5 minutes by car, and Szczęśliwickiego Park is 10 minutes by bike. Within a radius of 1 km, there are 13 educational institutions, including Montessori Mądre Główki kindergartens.

Residential Complex in the Center of Warsaw

A complex of two buildings, with a green area between them and a roof garden on one of them. The lower part of the buildings will house commercial and retail space, and the complex as a whole is intended to be a self-sufficient infrastructure facility. The buildings are monolithic brick, 8 stories high. Premium class one-, two-, and three-room apartments, 30–89 m² in size, are priced from €240,769. Storage rooms, parking spaces, and garage boxes are paid for separately. 

The residential complex is located in the center of Warsaw, at the intersection of Chmielna and Zlota streets, a 6-minute walk from the Central Station and the Złote Tarasy shopping center. Rondo ONZ, Centrum, and Świętokrzyska metro stations are within walking distance. Nearby is the Varso Tower skyscraper, business clusters, restaurants, galleries, and cultural facilities such as the Palace of Culture and Science. The Srodmiescie district is considered a business district, but its great advantage is the green area; in particular, the Saxon Garden is located just 1 kilometer from here.

Residential Complex in Wola Near Rondo Daszyńskiego

The mid-priced residential complex forms a quiet and safe area for permanent residence or long-term rent. The buildings are monolithic, 7 storeys high. Apartments of 28–96 m² (1–4 rooms) with an emphasis on comfort class cost from PLN 714,000 (€164,931). All apartments have balconies, loggias, terraces, or gardens. Corner balconies with panoramic views are suitable for arranging recreation areas. 

The residential complex near the Rondo Daszyńskiego metro station is suitable for businessmen and IT specialists due to its proximity to the Varso Tower and Atrium Tower business centres. Wola Park shopping centre, Moczydło, and Park im. Edwarda Szymańskiego, as well as schools, kindergartens, and restaurants, are within walking distance.

Residential Complex in Praga-Południe

A residential complex with gardens, balconies, and green terraces on the top floor. The apartments are equipped with smart home systems. The building itself is a three-storey monolith with apartments with one, two, or three rooms and an area of ​​25-80 m², there are two-level objects. The residential complex is focused on the middle segment of the comfort class, with the cost of apartments ranging from 483,600 PLN (€111,784). The hospital facilities have a system for controlling lighting, heating, and water via a mobile application (basic package).

The residential complex is located in the southern part of Praga-Południe, 200 m. from the train station. Public transport allows you to get to the city center in 15 minutes. In 2026, a metro station is planned to open nearby. Within a radius of 1 km. — Park Józefa Polińskiego, Home Army Praga Subdistrict Park, and Skaryszewski Park. The apartments are suitable for students, as the University of Social Psychology and Humanities is located nearby.

When purchasing real estate for living or profitable investment, buyers choose properties that are always in demand. Such investments will bring profit if the house or apartment needs to be resold.

Local realtors recognize compact one-room apartments located in the central areas of the city as the most promising options. Small 2-3-room apartments (50-55 sq. m.) are also in constant demand.