[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"developer-directory":3,"blog-post-house-or-apartment-in-krakow-2026-comparison-en":6,"blog-related-166":270},{"count":4,"enough":5},0,false,{"id":7,"translationGroupId":8,"language":9,"title":10,"slug":11,"content":12,"excerpt":256,"status":257,"source":258,"authorId":259,"authorEmail":259,"authorName":259,"coverImageUrl":260,"metaTitle":10,"metaDescription":256,"publishedAt":261,"createdAt":261,"updatedAt":261,"tags":262,"translationSlug":263,"translationLanguage":264,"researchSources":265},166,"bd807855-1590-4628-81db-d850e375a98a","en","House or apartment in Krakow 2026: comparison","house-or-apartment-in-krakow-2026-comparison",{"type":13,"content":14},"doc",[15,23,28,32,36,40,46,156,160,165,169,173,178,182,213,218,229,234,238],{"type":16,"attrs":17,"content":19},"heading",{"level":18},1,[20],{"text":21,"type":22},"House or apartment in Krakow 2026: price comparison","text",{"type":24,"content":25},"paragraph",[26],{"text":27,"type":22},"Apartments: median offer price 16,000 PLN\u002Fm² (1,396 listings). Houses: median 10,774 PLN\u002Fm² (103 listings) — the price per meter for a house is one-third lower (dimdom, 2026).",{"type":24,"content":29},[30],{"text":31,"type":22},"The square footage trap: a typical house (140 m²) costs about 1,508,000 PLN at the median, while a 50 m² apartment costs about 800,000 PLN. A house is cheaper per meter, but costs about 700,000 PLN more in total (dimdom, 2026).",{"type":24,"content":33},[34],{"text":35,"type":22},"Both segments are stagnant: 0% change month-over-month for both (dimdom, 2026).",{"type":24,"content":37},[38],{"text":39,"type":22},"- - -",{"type":16,"attrs":41,"content":43},{"level":42},2,[44],{"text":45,"type":22},"Table: same budget, two worlds",{"type":47,"content":48},"table",[49,77,104,130],{"type":50,"content":51},"tableRow",[52,59,65,71],{"type":53,"content":54},"tableHeader",[55],{"type":24,"content":56},[57],{"text":58,"type":22},"Variant",{"type":53,"content":60},[61],{"type":24,"content":62},[63],{"text":64,"type":22},"Median Price",{"type":53,"content":66},[67],{"type":24,"content":68},[69],{"text":70,"type":22},"20% Down Payment",{"type":53,"content":72},[73],{"type":24,"content":74},[75],{"text":76,"type":22},"30-year mortgage, 5.97%",{"type":50,"content":78},[79,86,92,98],{"type":80,"content":81},"tableCell",[82],{"type":24,"content":83},[84],{"text":85,"type":22},"Apartment 50 m² × 16,000 PLN",{"type":80,"content":87},[88],{"type":24,"content":89},[90],{"text":91,"type":22},"800,000 PLN",{"type":80,"content":93},[94],{"type":24,"content":95},[96],{"text":97,"type":22},"160,000 PLN",{"type":80,"content":99},[100],{"type":24,"content":101},[102],{"text":103,"type":22},"approx. 5,100 PLN",{"type":50,"content":105},[106,112,118,124],{"type":80,"content":107},[108],{"type":24,"content":109},[110],{"text":111,"type":22},"House 140 m² × 10,774 PLN",{"type":80,"content":113},[114],{"type":24,"content":115},[116],{"text":117,"type":22},"1,508,000 PLN",{"type":80,"content":119},[120],{"type":24,"content":121},[122],{"text":123,"type":22},"301,600 PLN",{"type":80,"content":125},[126],{"type":24,"content":127},[128],{"text":129,"type":22},"approx. 9,600 PLN",{"type":50,"content":131},[132,138,144,150],{"type":80,"content":133},[134],{"type":24,"content":135},[136],{"text":137,"type":22},"House 120 m² × 10,774 PLN",{"type":80,"content":139},[140],{"type":24,"content":141},[142],{"text":143,"type":22},"1,293,000 PLN",{"type":80,"content":145},[146],{"type":24,"content":147},[148],{"text":149,"type":22},"258,600 PLN",{"type":80,"content":151},[152],{"type":24,"content":153},[154],{"text":155,"type":22},"approx. 8,250 PLN",{"type":24,"content":157},[158],{"text":159,"type":22},"Offer prices: dimdom, 2026. Mortgage installments are estimates; interest rate for new loans is 5.97% (AMRON-SARFiN, NBP, 2026).",{"type":16,"attrs":161,"content":162},{"level":42},[163],{"text":164,"type":22},"Hidden costs of a house",{"type":24,"content":166},[167],{"text":168,"type":22},"To the house mortgage payment, add: heating a larger volume, maintenance of the plot and garden, roof and facade repairs spread over time, and — most often overlooked — commuting. Houses at the median price are usually located outside of Krakow proper (the median for plots of 270 PLN\u002Fm² applies to the outskirts and surrounding areas), and the cost of commuting time is a real component of the price (dimdom, 2026).",{"type":24,"content":170},[171],{"text":172,"type":22},"For apartments, hidden costs are lower, but they exist: administrative fees, renovation funds, and dependence on the homeowners' association for major repairs.",{"type":16,"attrs":174,"content":175},{"level":42},[176],{"text":177,"type":22},"Verdict",{"type":24,"content":179},[180],{"text":181,"type":22},"In terms of monthly math, the apartment wins (installment lower by approx. 4,500 PLN), but life math depends on your stage: a couple without children or a single person won't utilize 140 m², while a family with two children will outgrow 50 m² in 5 years — and selling before 5 years incurs a 19% capital gains tax. If you're planning a house \"for later,\" calculate whether you can afford two moves and two sets of transaction costs (2% PCC tax on every secondary market transaction).",{"type":24,"content":183},[184,186,195,197,203,205,211],{"text":185,"type":22},"Listings: ",{"text":187,"type":22,"marks":188},"apartments for sale in Krakow",[189],{"type":190,"attrs":191},"link",{"rel":192,"href":193,"target":194},"noopener noreferrer","\u002Fmieszkania\u002Fna-sprzedaz\u002Fmalopolskie\u002Fkrakow","_blank",{"text":196,"type":22},", ",{"text":198,"type":22,"marks":199},"houses for sale in Krakow",[200],{"type":190,"attrs":201},{"rel":192,"href":202,"target":194},"\u002Fdomy\u002Fna-sprzedaz\u002Fmalopolskie\u002Fkrakow",{"text":204,"type":22},", and ",{"text":206,"type":22,"marks":207},"real estate price report",[208],{"type":190,"attrs":209},{"rel":192,"href":210,"target":194},"\u002Fceny-nieruchomosci",{"text":212,"type":22},".",{"type":16,"attrs":214,"content":215},{"level":42},[216],{"text":217,"type":22},"Supply: developers are delivering more apartments",{"type":24,"content":219},[220,222,228],{"text":221,"type":22},"In the first half of 2026, 94.9 thousand apartments were completed, 3.2% more than the year before (GUS, 2026). The growing supply of new apartments is good news for secondary market buyers: the more new units there are, the lower the demand pressure on used ones. Data: ",{"text":223,"type":22,"marks":224},"GUS: housing construction",[225],{"type":190,"attrs":226},{"rel":192,"href":227,"target":194},"https:\u002F\u002Fssgk.stat.gov.pl\u002FBudownictwo_mieszkaniowe.html",{"text":212,"type":22},{"type":16,"attrs":230,"content":231},{"level":42},[232],{"text":233,"type":22},"Methodology",{"type":24,"content":235},[236],{"text":237,"type":22},"Medians based on active dimdom listings, September 2026, after excluding extreme values (dimdom, 2026). The house sample (103) is smaller than the apartment sample (1,396) — the house median is more sensitive to the structure of the offer.",{"type":24,"content":239},[240,242,248,249,255],{"text":241,"type":22},"Sources: ",{"text":243,"type":22,"marks":244},"NBP: Quarterly Report",[245],{"type":190,"attrs":246},{"rel":192,"href":247,"target":194},"https:\u002F\u002Fnbp.pl\u002Fpublikacje\u002Fcykliczne-materialy-analityczne-nbp\u002Frynek-nieruchomosci\u002Finformacja-kwartalna",{"text":196,"type":22},{"text":250,"type":22,"marks":251},"AMRON-SARFiN 1\u002F2026",[252],{"type":190,"attrs":253},{"rel":192,"href":254,"target":194},"https:\u002F\u002Fwww.zbp.pl\u002Faktualnosci\u002Fwydarzenia\u002Fraport-amron-sarfin-1-2026",{"text":212,"type":22},"House or apartment in Krakow? Medians of 10,774 vs 16,000 PLN\u002Fm², a full calculation of installments and hidden costs, plus a verdict for families and singles. Check the details.","published","ai",null,"https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-143-1789881105530\u002Fog-570fcd18-aecc-4178-831c-d1ce1f6e5552.jpg","2026-09-20T05:11:59.570Z",[],"krakow-dom-czy-mieszkanie-porownanie-2026","pl",[266,268],{"url":247,"title":267},"NBP: Informacja kwartalna o rynku nieruchomości",{"url":227,"title":269},"GUS: Budownictwo mieszkaniowe",{"posts":271},[272,279,286,293,300],{"id":273,"title":274,"slug":275,"excerpt":276,"coverImageUrl":277,"cardImageUrl":259,"publishedAt":278,"language":9},165,"Renting or Buying an Apartment in Krakow 2026?","renting-or-buying-an-apartment-in-krakow-2026","Renting or buying an apartment in Krakow? Rates of 62 PLN\u002Fm² vs. prices of 16,000 PLN\u002Fm², a calculated gross yield of 4.6%, and the break-even point. Check the details.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-138-1789881091745\u002Fog-fbbd4fba-cf4e-4a41-ab71-203b08b4041b.jpg","2026-09-20T05:11:45.478Z",{"id":280,"title":281,"slug":282,"excerpt":283,"coverImageUrl":284,"cardImageUrl":259,"publishedAt":285,"language":9},164,"Kraków or Warsaw 2026: where are apartments cheaper?","krakow-or-warsaw-2026-where-are-apartments-cheaper","Kraków versus Warsaw based on hard data: 16,000 vs 17,636 PLN\u002Fm², negotiation gaps, entry costs, and a verdict for buyers. Check the methodology.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-133-1789794702014\u002Fog-c489170d-11d0-4323-91df-55624fd7a8a0.jpg","2026-09-19T05:11:57.666Z",{"id":287,"title":288,"slug":289,"excerpt":290,"coverImageUrl":291,"cardImageUrl":259,"publishedAt":292,"language":9},163,"Apartment prices in Włocławek 2026: median 5,904 PLN\u002Fm²","apartment-prices-wloclawek-2026-median-5904-pln-m2","How much does an apartment cost in Włocławek? Median asking price 5,904 PLN\u002Fm² from 36 listings — the lowest in the report. Mortgage math and disclaimers. Check the details.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-145-1789794689294\u002Fog-2b438c94-2fd2-4ebf-9755-5141b65c2882.jpg","2026-09-19T05:11:41.998Z",{"id":294,"title":295,"slug":296,"excerpt":297,"coverImageUrl":298,"cardImageUrl":259,"publishedAt":299,"language":9},162,"Apartment prices in Tarnów 2026: median 8,990 PLN\u002Fm²","apartment-prices-tarnow-2026-median-8990-pln-m2","How much does an apartment cost in Tarnów? Median asking price 8,990 PLN\u002Fm² from 77 listings. A cheaper alternative to Krakow with convenient rail access. Check the methodology.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-146-1789708303201\u002Fog-b91d5711-0075-4c7b-b37f-1acfb24274ea.jpg","2026-09-18T05:11:56.635Z",{"id":301,"title":302,"slug":303,"excerpt":304,"coverImageUrl":305,"cardImageUrl":259,"publishedAt":306,"language":9},161,"Apartment prices in Jelenia Góra 2026: data report","apartment-prices-jelenia-gora-2026-data-report","How much does an apartment in Jelenia Góra cost? Median asking price 7,302 PLN\u002Fm² from 59 listings. A mountain market for the price of a studio in the capital. Check the methodology.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-144-1789708288956\u002Fog-ed407ed7-0db8-46cb-9dd4-ddbccf4ecfda.jpg","2026-09-18T05:11:43.172Z"]