Poland residential real estate market report for October 2026. National house prices were climbing, up 6.3% from a year earlier in Q2 2026 (+1.5% quarter on quarter). The pace of annual growth is steady. The National Bank of Poland’s policy rate stood at 3.75% in September 2026, down from 4.75% a year earlier.
October 2026 at a Glance
House Prices and Trends
The national house price index for Poland rose 6.3% year on year in Q2 2026 and was +1.5% against the previous quarter, according to Eurostat, House price index (prc_hpi_q). A year earlier the annual rate was +4.7%, so growth has picked up over twelve months.
| Quarter | Prices YoY | Prices QoQ |
|---|---|---|
| Q1 2025 | +6.6% | +0.7% |
| Q2 2025 | +4.7% | +1.1% |
| Q3 2025 | +4.0% | +0.9% |
| Q4 2025 | +4.3% | +1.5% |
| Q1 2026 | +5.9% | +2.3% |
| Q2 2026 | +6.3% | +1.5% |
House price index, % change year on yearQ3 2024+14.4%Q4 2024+10.4%Q1 2025+6.6%Q2 2025+4.7%Q3 2025+4.0%Q4 2025+4.3%Q1 2026+5.9%Q2 2026+6.3%
Financing and Interest Rates
The National Bank of Poland’s policy rate was 3.75% in September 2026 (BIS, Central bank policy rates). Rates have come down 1.00 points over the past year, easing mortgage costs and widening the pool of buyers who qualify for financing.
Poland in the News
- Poland Housing Prices Q2 2026: 1.5% Quarterly and 6.3% Annual Growth – News and Statistics – IndexBox (IndexBox, 1 Oct 2026)
- Poland Residential MarketBeat – Cushman & Wakefield (Cushman & Wakefield, 4 Aug 2026)
- Poland tops the list of countries where Ukrainians buy real estate – LIGA.net (LIGA.net, 14 Sep 2026)
- 28% of Polish adults have inherited property. The share is highest in eastern Poland – CEO Magazyn (CEO Magazyn, 7 Oct 2026)
- Deputy Marshal of Sejm Bosak has proposed restricting Ukrainians’ ability to buy property in Poland – Цензор.НЕТ (Цензор.НЕТ, 21 Sep 2026)
- Poland MarketBeat – Cushman & Wakefield (Cushman & Wakefield, 14 Aug 2026)
Reading the Trend
The trend is up, at a sustainable rather than speculative pace. This is typically the most balanced environment for both buyers and sellers.
What to watch next month
- The next quarterly release of the house price index for Poland (Q2 2026 is the latest) — whether annual growth holds near +6.3%.
- Upcoming decisions by the National Bank of Poland — any move from 3.75% feeds through to mortgage pricing within weeks.
What This Means for Buyers, Sellers and Investors
The market is moving but not running away; there is time for due diligence, and properties that have sat unsold for months are where discounts appear.
Well-presented property at a realistic price attracts multiple viewings; unrealistic asking prices are being ignored.
Falling financing costs improve leveraged returns and widen the gap between yield and mortgage rate.
Sources
- Eurostat, House price index (prc_hpi_q)
- BIS, Central bank policy rates
- Headlines via Google News RSS; content belongs to the linked publishers.
Previous edition: Poland Real Estate Market Report — September 2026
Cover photo: Sunrise in Pieniny, Poland 02 by Pudelek via Wikimedia Commons, CC BY-SA 4.0.
Methodology: all figures are taken directly from the free public statistical sources linked above, for the periods stated; official statistics are published with a lag, so the latest available release is used. Commentary is generated from those figures by rule and reviewed before publication. Nothing here is financial advice.
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