Purchasing a rental apartment in Poland

The real estate market in Poland is not slowing down. Although the dynamics of price growth in the largest cities has weakened slightly, there is still a lot of interest in buying apartments – both by people looking for their own place to live, as well as investors thinking about renting or building a real estate portfolio.

 In mid-2025, the market situation gives something that has been missing for a long time: breath and time for a calm analysis to assess the prices of apartments in a given area. After hot years of dynamic increases, today you can approach the purchase of real estate with more peace of mind, without pressure and nerves.

Where is it worth investing in apartments for rent today?

There is no one-size-fits-all answer – it all depends on the purpose of the investment, but there are cities that invariably remain at the forefront of investors' choices.

Warsaw – classics with a modern twist

The capital is always a sure choice. Warsaw not only offers a huge labor market, but also a high demand for rental – and in various segments, from studios to apartments. A large number of students, expats and young professionals means that real estate investments here have a constant rotation and are relatively safe.

If you're looking for stability and flexibility, Warsaw could be the place where your investment in buying an apartment will start working from day one.

Wroclaw – young spirit and technology

Wrocław is a city with a soul – it combines an academic atmosphere with a dynamically developing labour market, especially in the sectors of new technologies. Rental demand is constantly high here, and the city is constantly expanding and modernizing.

For investors who are looking for a balance between a growing market and a high quality of life – Wrocław is a great option.

Gdańsk and the Tri-City – an investment with a view of the sea

The Tri-City combines everything that can be expected from an investment site: tourism, culture, education and industry. Gdańsk, Sopot and Gdynia attract both tourists and people looking for work and life by the sea.

Investment apartments in this part of the country are often an option not only for long-term rental, but also for short-term holiday rentals, which can bring a much higher return seasonally.

Krakow – the magic of history and the power of modernity

Krakow is one of those cities that have a unique atmosphere. Its historic center, strong academic facilities, and international business environment make it an attractive place to both live and invest.

The rental market here functions efficiently, and the variety of districts allows you to match the investment to the budget and strategy – from student rental to premium class apartments.

Poznań – calm strength

Although Poznań tends to be less media-savvy than other metropolises, from the investor's point of view it is a stable, developed and well-connected city. Local universities, a strong SME sector and extensive infrastructure make the rental market here develop in a sustainable way.

It is a good place for those who are looking for a more conservative investment – one that has a calm, predictable return.

Real estate market – buying an apartment for rent: secondary or primary?

This is one of the most frequently asked questions by investors, and the answer depends on the individual strategy and expectations. The primary market offers new apartments, often with modern technological solutions, better energy efficiency and a developer's warranty. New housing estates are also usually characterized by full infrastructure – from parking spaces to green areas. However, this means a higher price per square meter and often the need to wait for commissioning, which affects the decision to buy an apartment for rent.

 The secondary market, on the other hand, means apartments available immediately, often in excellent locations – especially in the city center, where the demand for rent is high. Prices are usually more negotiable here, but the legal status of the property is not always clear and verified. Often, additional renovation is needed. Apartments on the secondary market often already have a formed environment – shops, communication, social infrastructure, which makes them an attractive option for investors.

From an investment perspective, the secondary market may offer a faster start in generating income from renting apartments, while the primary market offers greater security and potential for value growth in the long run. At Velora Estate, we analyze both markets in parallel, helping investors purchase the property best suited to their financial and time goals and real estate investment concept. Therefore, it is worth buying an apartment that meets the requirements of the market and the expectations of future tenants. 

Investing wisely – what is worth considering?

One of the biggest advantages of today's market is the ability to plan with peace of mind. In times of rapid growth, many investors acted impulsively – today we have a chance to really understand what we are investing in.

Before you decide on a specific property, it is worth answering a few basic questions:

• Am I looking for a property for short-term or long-term rental?
  
• Am I interested in a new investment from a developer or maybe an apartment from the secondary market?
  
• Is it more important for me to have a quick return or a stable, passive income over the years?

Each strategy requires a different approach. For example: if you are planning a short-term rental, pay attention to tourist cities or districts well connected to the city center. If you want to rent for families or students in peace – check out areas with developed educational and service infrastructure.

Market segmentation – different strategies, different profits

The modern real estate market in Poland is characterized by a clear segmentation, which opens up a variety of opportunities for investors:

1.  Student housing – studios and small apartments near the university generate a stable income for most of the academic year. In university cities, it is one of the safest segments.
   
2.  Apartments for expats – the growing number of foreign workers in Poland creates a demand for high-quality apartments, often completely furnished and ready to move in.
   
3.  Apartments for young professionals – people between 25 and 35 years of age are a group that values comfort, good location and flexibility of renting. This is a segment with high growth potential.
   
4.  Holiday properties – not only by the sea, but also in the mountains or spa regions, where forms of health and recreational tourism are developing.

Local markets – differences that matter

Investing in real estate is not only about choosing a city – it is also about understanding its internal map. Warsaw is a dozen or so districts of very different character – the intimate Saska Kępa will give you different opportunities, the developing Ursus or the bustling Wola.

Similarly, in Krakow – the real estate market in Kazimierz is governed by different laws than the market in Nowa Huta. That is why it is so important to get to know the local conditions – and to match the offer well to the type of tenant we want to attract.

This is where it comes in handy to work with an experienced partner who knows these relationships, has tools to help conduct a detailed analysis and can advise in accordance with reality, not just statistics.

How does Velora Estate support investors?

 As a modern real estate agency oriented towards both individual clients and investors, Velora Estate offers more than just searching for offers. Our approach is a comprehensive investment service:

• analysis of the investor's needs and capabilities,
  
•  searching and selecting real estate taking into account the purpose of the investment,
  
• verification of legal and technical condition – crucial before buying an apartment for rent and more,
  
• negotiations, finalization of the transaction and legal assistance,
  
• support in renting or selling real estate.

Our mission is not only to deliver real estate – but also to build a long-term strategy that really works. 

Pre-Purchase Analysis – Tools That Make a Difference

When looking for apartments for investment for our clients, we use modern analytical tools that allow us to precisely determine the investment potential of each property. Our analyses include:

• demographic forecasts for a given region,
  
• analysis of competition in the rental segment,
  
• calculation of the actual profitability taking into account all costs in order to realistically assess the possible return from the investment,
  
• assessment of the prospects for the development of local infrastructure.

This allows our clients to make decisions based on hard data, not just on intuition or media trends.

Trends to watch

Finally, it is worth mentioning a few phenomena that may shape the real estate market in the coming years:

1.  Sustainable development – the popularity of ecological housing estates with green solutions and a low carbon footprint is growing.
   
2.  Technology in real estate – smart homes, rental management applications, process automation – is no longer the future, it is the present in the context of buying apartments.
   
3.  Demography and migration – the influx of young people to larger cities is driving the demand for rent, but at the same time there is a growing interest in investments in the outskirts of metropolises and smaller satellite cities.
   
4.  Maintenance-free investments – more and more investors are looking for a model in which someone else takes care of the property. And that's exactly what Velora Estate offers – management from A to Z.

Poland – still a good direction for investors

In 2025, Poland remains an attractive place to invest capital in real estate. A stable market, a reasonable growth rate and a wide range of locations provide a solid foundation for any investment – both for people with more capital and for those who are starting their adventure with the real estate market.

If you are planning to invest in an apartment for rent or want to build your first real estate portfolio, please contact us. At Velora Estate, we combine experience with a modern approach to simplify and secure your path to a profitable investment as much as possible – from market analysis and property selection, through safe execution of the transaction, to advice on the selection of local property management companies.