Poland's housing market sees record mortgage demand amid stable prices
Polish households are applying for mortgages at unprecedented levels. In the second quarter of 2026 the average amount requested for a new loan topped 500,000 zł for the first time, according to Metrohouse and Credipass data. At the same time, housing prices in the country’s largest cities have held steady, with Warsaw up 2.8 % and Wrocław down 3.2 % quarter‑on‑quarter, while Gdańsk recorded the strongest annual rise at 12.7 %.
Despite easier credit conditions and falling inflation, sales of new apartments slowed sharply. Developer deliveries fell about 13 % compared with the previous quarter, with the sharpest drops in Łódź (‑26 %), Wrocław (‑19 %) and the Trójmiasto region (‑15 %). A poll showed 42 % of respondents feared a rise in unemployment within the next year, dampening buyer confidence.
Demographic change is reshaping the market. People aged over 60 now make up more than a quarter of Poland’s population, and analysts expect a large transfer of housing stock through inheritance to become a major supply source, potentially replacing traditional mortgage financing for younger families. A recent amendment to the Housing Ownership Act shifts voting power in condominium communities to active owners, which could enable short‑term‑rental operators to influence decisions on block‑level rules.
The niche reverse‑mortgage market remains small: by the end of 2025 only 402 contracts were active, with an average monthly pension of 1,176 zł and total payouts of 7.3 million zł in 2025.
Entities: Credipass · Gdańsk · Jarosław Jędrzyński · Marek Wielgo · Metrohouse · Poland · Warsaw
Claims
What the coverage asserts, and how well corroborated each claim is across sources.
- [○ 1 SOURCE] 42 % of Poles surveyed in June 2026 feared that unemployment would rise within the next 12 months. (Public opinion poll cited by RynekPierwotny)
- [○ 1 SOURCE] Housing prices in Warsaw rose 2.8 % quarter‑on‑quarter in Q2 2026, while Wrocław fell 3.2 % and Gdańsk increased 12.7 % year‑on‑year. (Metrohouse and Credipass report)
- [● 2 SOURCES] People aged over 60 constitute more than one quarter of Poland’s population. (GUS data referenced by analysts)
- [● 2 SOURCES] The average mortgage application amount in Poland exceeded 500,000 zł for the first time in Q2 2026. (Metrohouse and Credipass report)
- [○ 1 SOURCE] The amendment to Poland’s Housing Ownership Act gives voting power to active owners, allowing short‑term‑rental owners to influence condominium decisions. (Legal analysis of the new law)
- [○ 1 SOURCE] By the end of 2025 Poland had 402 active reverse‑mortgage contracts, with an average monthly pension of 1,176 zł and total payouts of 7.3 million zł in 2025. (Report of the Polish Financial Enterprises Association)
- [● 2 SOURCES] Inheritance of apartments is expected to become a major source of housing supply in Poland, potentially replacing mortgage financing for younger families. (Analysts at RynekPierwotny)
- [○ 1 SOURCE] Sales of new apartments in Poland fell about 13 % in Q2 2026 compared with Q1, with declines of 26 % in Łódź, 19 % in Wrocław and 15 % in the Trójmiasto region. (Metrohouse and Credipass analysis)