# Polish housing market trends – record mortgage demand > Live situation record from CLSTR: https://clstr.news/situations/polish-housing-market-trends > Updated: 2026-07-30T12:18:47.000Z. Sources: 11. Developments: 2. In early July, reports highlighted strong demand for newly built apartments in Poland, noting that secondary‑market buyers and ultra‑wealthy investors were increasingly active in the primary sector. By the end of the month, analysis shifted to demographic factors, emphasizing that an ageing population is driving a large inter‑generational transfer of apartments. Inheritance is expected to become a major route for young households to acquire homes, potentially reducing reliance on large mortgage loans. New data from the end of July show mortgage applications reaching unprecedented levels, with the average new loan exceeding 500,000 zł. Despite this credit appetite, sales of new apartments slowed sharply and developer deliveries fell about 13 % quarter‑on‑quarter, especially in Łódź, Wrocław and the Trójmiasto region. Housing prices remained broadly stable, with Warsaw up 2.8 % and Gdańsk posting the strongest annual rise at 12.7 %, while Wrocław slipped 3.2 % quarter‑on‑quarter. Demographic change continues to reshape the market: people over 60 now comprise more than a quarter of the population, reinforcing expectations of a sizable inheritance‑driven supply. A recent amendment to the Housing Ownership Act shifts condominium voting power to active owners, potentially giving short‑term‑rental operators greater influence over block‑level rules. The reverse‑mortgage segment remains marginal, with only 402 contracts active by the end of 2025. ## Claims - The average mortgage application amount in Poland exceeded 500,000 zł for the first time in Q2 2026. (corroborated by 2 sources) - People aged over 60 constitute more than one quarter of Poland’s population. (corroborated by 2 sources) - Inheritance of apartments is expected to become a major source of housing supply in Poland, potentially replacing mortgage financing for younger families. (corroborated by 2 sources) - 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. (single 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. (single source) - 42 % of Poles surveyed in June 2026 feared that unemployment would rise within the next 12 months. (single source) - The amendment to Poland’s Housing Ownership Act gives voting power to active owners, allowing short‑term‑rental owners to influence condominium decisions. (single 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. (single source) ## Timeline ### 2026-07-30: Poland's housing market sees record mortgage demand amid stable prices Polish mortgage applications hit a record average of over 500 k zł as housing prices stay stable; sales slow, job‑security fears rise, aging demographics boost inheritance‑driven supply, and new housing‑law rul 11 sources. https://clstr.news/cluster/polish-housing-market-shifts-to-inherited-homes-as-demographics-change ### 2026-07-01: Polish new‑build apartments attract secondary‑market buyers as ultra‑wealthy investors expand Polish new‑build apartments are drawing buyers from the secondary market, while the number of ultra‑wealthy investors is projected to grow to 4.9 k by 2031, expanding into commercial real estate. 3 sources. https://clstr.news/cluster/polish-newbuild-apartments-attract-secondarymarket-buyers-as-ultrawealthy-investors-expand --- Cite as: Polish housing market trends – record mortgage demand. CLSTR, https://clstr.news/situations/polish-housing-market-trends