The cost of buying property in Poland: taxes & fees
Purchasing a property in Poland involves several one-off costs and ongoing expenses that you need to consider.
This guide outlines the primary costs associated with buying property in Poland, along with estimates and examples to help inform your financial planning.
One-off Purchase Costs
When buying a property in Poland, the main one-off costs include transfer tax, notary fees, and legal fees. It's essential to budget for these on top of the property price.
- Transfer tax (over 2% of the purchase price)
- Notary fees (typically between 0.5% and 2%)
- Legal/conveyancing fees (can vary, usually a few hundred to several thousand PLN)
Transfer Tax
In Poland, the transfer tax is known as PCC (Podatek od Czynności Cywilnoprawnych). This generally amounts to around 2% of the property's purchase price.
It's important to check with local authorities for the most accurate figures, as regulations can change.
Notary and Registration Fees
Notaries in Poland are essential for property purchases, handling the legal documentation. Their fees can range widely, usually between 0.5% to 2% of the property value, plus VAT.
Registration fees for the property in the land and mortgage register are also applicable, often amounting to a few hundred PLN.
Legal and Conveyancing Fees
Hiring a lawyer for legal advice and conveyancing is highly recommended, especially for non-residents. Fees can vary, so seek quotes from local professionals before proceeding.
As a rough estimate, expect to budget several hundred to a few thousand PLN for these services, depending on the complexity of the transaction.
Recurring Costs of Ownership
Once you own the property, you will face ongoing costs including property tax (usually modest), community fees for shared properties, utilities, and insurance.
Annual property tax rates in Poland can vary greatly but are often quite low relative to property values.
- Property tax (generally low, varies by location)
- Community/condo fees (if applicable)
- Utilities (water, electricity, etc.)
- Home insurance
Mortgage Costs for Non-Residents
If you are a non-resident considering a mortgage, bear in mind that terms may vary by bank. Generally, Polish banks offer mortgages to foreign buyers, but conditions can be stricter.
You might encounter higher interest rates and may need a larger deposit than local buyers.
Estimated Total Percentage of Costs
Overall, as a rough estimate, the total costs related to purchasing a property in Poland (including taxes, fees, etc.) might range from 6-8% of the property price.
This total will vary based on the final purchase price and your chosen services.
Frequently asked questions
What is the average property transfer tax in Poland?
The average transfer tax, known as PCC, is around 2% of the purchase price.
What legal fees should I expect when buying property?
Legal fees can vary, typically ranging from hundreds to a few thousand PLN depending on the complexity of your purchase.
Are there any recurring costs after buying a property?
Yes, recurring costs include property tax, community fees, utilities, and home insurance.
Can non-residents secure a mortgage in Poland?
Yes, non-residents can obtain a mortgage, but conditions may differ, often leading to higher rates and bigger deposits.
What percentage should I budget for total buying costs?
It's wise to budget around 6-8% of the property's price for total buying costs, including taxes and fees.
This guide is general information, not legal, tax or immigration advice. Rules change — verify the current position with official sources and a qualified professional before acting. Last reviewed September 2026.