Purchase of a rental apartment in Poland

The real estate market in Poland is not slowing down. Although the price growth dynamics in the largest cities have weakened somewhat, there is still a lot of interest in purchasing apartments – both by people looking for a place to live and investors thinking about renting or building a real estate portfolio.

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

Where is it worth investing in rental apartments today?

There is no one-size-fits-all answer – it all depends on the investment goal, but there are cities that consistently stay at the forefront of investor choices.

Warsaw – classics in a modern version

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

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

Wrocław – young spirit and technology

Wrocław is a city with soul – it combines an academic atmosphere with a dynamically developing labor market, especially in the new technology sectors. Demand for rentals is constantly high here, and the city is constantly expanding and modernizing.

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

Gdańsk and Tricity – investment with sea views

The Tricity combines everything you would expect from an investment destination: 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 rentals, but also for short-term vacation rentals, which can yield a much higher return seasonally.

Krakow – the magic of history and the power of modernity

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

The rental market functions smoothly here, and the variety of neighborhoods allows you to match your investment to your budget and strategy – from student rentals to premium apartments.

Poznań – calm strength

Although Poznań is sometimes less media-friendly 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 mean that the rental market is developing sustainably here.

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

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

This is one of the most frequently asked questions by investors, and the answer depends on individual strategy and expectations. Primary market offers new apartments, often with modern technological solutions, better energy efficiency and a developer guarantee. New developments also typically feature full infrastructure – from parking spaces to green spaces. However, this means a higher price per square metre and often having to wait for commissioning, which influences the decision to purchase of an apartment for rent.

 Secondary market are, in turn, apartments available immediately, often in excellent locations – especially in the city center, where demand for rentals is high. Prices are usually more negotiable here, but the legal status of the property is not always clear and verified. It is not uncommon to need additional renovation. Apartments on the secondary market often have already formed environments – shops, communication, social infrastructure, which makes them an attractive option for investors.

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

Investing with Head – What to Consider?

One of the greatest advantages of today's market is the ability to plan calmly. In times of rapid growth, many investors acted impulsively – today we have the chance to truly 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 rentals?
  
• Am I interested in a new development from a developer or perhaps an aftermarket apartment?
  
• Is a quick return or a stable, passive income over the years more important to me?

Each strategy requires a different approach. For example: if you are planning a short-term rental, look out for tourist towns or neighborhoods well connected to the city center. If you want a quiet rental for families or students – check out areas with developed educational and service infrastructure.

Market segmentation – different strategies, different profits

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

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

Local markets – differences that matter

Investing in real estate is not just about choosing a city – it is also about understanding its internal map. Warsaw is a dozen or so districts with very different character – other options will be given to you by the intimate Saska Kępa, others by the developing Ursus or the vibrant Wola.

Similarly in Krakow – the real estate market in Kazimierz is governed by different laws than the market in Nowa Huta. That's why it's so important to understand local conditions – and tailor your offer well to the type of tenant you want to attract.

This is where it comes in handy to work with an experienced partner who knows these relationships, has the tools to help you conduct detailed analysis, and can advise according to realities, 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 comprehensive investment service:

• analysis of investor needs and capabilities,
  
•  property search and selection taking into account the purpose of the investment,
  
• verification of the legal and technical status – crucial before buying an apartment for rent and more,
  
• negotiation, finalization of transactions and legal guardianship,
  
• support in the rental or sale of real estate.

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

Pre-Purchase Analysis – Tools That Make a Difference

When searching 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,
  
• competitive analysis in the rental segment,
  
• calculation of actual profitability taking into account all costs in order to realistically assess possible investment revenue,
  
• assessment of the prospects for the development of local infrastructure.

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

Trends to watch

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

1.  Sustainable development  the popularity of ecological settlements with green solutions and a low carbon footprint is growing.
   
2.  Technology in real estate  smart homes, rental management applications, process automation – this 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 demand for rentals, but at the same time there is 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 handles real estate services. And that's exactly what Velora Estate offers – A-Z management.

Poland – still a good direction for investors

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

If you are planning to invest in a rental apartment 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 transaction execution, to consulting in the selection of local property management companies.