[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"developer-directory":3,"blog-post-katowice-or-krakow-2026-where-to-invest-en":6,"blog-related-168":309},{"count":4,"enough":5},0,false,{"id":7,"translationGroupId":8,"language":9,"title":10,"slug":11,"content":12,"excerpt":293,"status":294,"source":295,"authorId":296,"authorEmail":296,"authorName":296,"coverImageUrl":297,"metaTitle":10,"metaDescription":293,"publishedAt":298,"createdAt":299,"updatedAt":300,"tags":301,"translationSlug":302,"translationLanguage":303,"researchSources":304},168,"079e6201-cbbb-4d0b-ba9d-a0bfec98503e","en","Katowice or Kraków 2026: where to invest?","katowice-or-krakow-2026-where-to-invest",{"type":13,"content":14},"doc",[15,23,28,32,36,40,46,172,176,181,185,190,194,199,203,208,212,243,248,259,264,268],{"type":16,"attrs":17,"content":19},"heading",{"level":18},1,[20],{"text":21,"type":22},"Katowice or Kraków: where is it better to invest in an apartment in 2026?","text",{"type":24,"content":25},"paragraph",[26],{"text":27,"type":22},"Entry threshold (50 m² based on the median of listings): Katowice approx. 579,000 PLN versus Kraków approx. 800,000 PLN — a difference of 221,000 PLN (dimdom, 2026).",{"type":24,"content":29},[30],{"text":31,"type":22},"Kraków has a quantifiable return rate: rates of 62 PLN\u002Fm² at a price of 16,000 PLN\u002Fm² yield approx. 4.6% gross; for Katowice, there is no reliable rental median from listings (dimdom, 2026).",{"type":24,"content":33},[34],{"text":35,"type":22},"Katowice listings have detached from transaction prices more significantly than in any other major city — this is both a risk and an opportunity (NBP, 2026; 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},"Investor Table",{"type":47,"content":48},"table",[49,71,92,112,132,152],{"type":50,"content":51},"tableRow",[52,59,65],{"type":53,"content":54},"tableHeader",[55],{"type":24,"content":56},[57],{"text":58,"type":22},"Indicator",{"type":53,"content":60},[61],{"type":24,"content":62},[63],{"text":64,"type":22},"Katowice",{"type":53,"content":66},[67],{"type":24,"content":68},[69],{"text":70,"type":22},"Kraków",{"type":50,"content":72},[73,80,86],{"type":74,"content":75},"tableCell",[76],{"type":24,"content":77},[78],{"text":79,"type":22},"Median sales listings (PLN\u002Fm²)",{"type":74,"content":81},[82],{"type":24,"content":83},[84],{"text":85,"type":22},"11,580 (n=169)",{"type":74,"content":87},[88],{"type":24,"content":89},[90],{"text":91,"type":22},"16,000 (n=1396)",{"type":50,"content":93},[94,100,106],{"type":74,"content":95},[96],{"type":24,"content":97},[98],{"text":99,"type":22},"M\u002FM listing change",{"type":74,"content":101},[102],{"type":24,"content":103},[104],{"text":105,"type":22},"-1%",{"type":74,"content":107},[108],{"type":24,"content":109},[110],{"text":111,"type":22},"0%",{"type":50,"content":113},[114,120,126],{"type":74,"content":115},[116],{"type":24,"content":117},[118],{"text":119,"type":22},"Rental median (PLN\u002Fm²)",{"type":74,"content":121},[122],{"type":24,"content":123},[124],{"text":125,"type":22},"N\u002FA (sample too small)",{"type":74,"content":127},[128],{"type":24,"content":129},[130],{"text":131,"type":22},"62 (n=97)",{"type":50,"content":133},[134,140,146],{"type":74,"content":135},[136],{"type":24,"content":137},[138],{"text":139,"type":22},"Est. gross profitability",{"type":74,"content":141},[142],{"type":24,"content":143},[144],{"text":145,"type":22},"Not calculable from listings",{"type":74,"content":147},[148],{"type":24,"content":149},[150],{"text":151,"type":22},"approx. 4.6%",{"type":50,"content":153},[154,160,166],{"type":74,"content":155},[156],{"type":24,"content":157},[158],{"text":159,"type":22},"20% down payment for 50 m²",{"type":74,"content":161},[162],{"type":24,"content":163},[164],{"text":165,"type":22},"approx. 115,800 PLN",{"type":74,"content":167},[168],{"type":24,"content":169},[170],{"text":171,"type":22},"160,000 PLN",{"type":24,"content":173},[174],{"text":175,"type":22},"Listing figures: dimdom, 2026.",{"type":16,"attrs":177,"content":178},{"level":42},[179],{"text":180,"type":22},"The Katowice thesis: buy the gap, not the median",{"type":24,"content":182},[183],{"text":184,"type":22},"Since listings (11,580 PLN) have detached from transactions (approx. 8,054 PLN\u002Fm² on the secondary market in Q1), an investor with cash does not buy at the median. They buy at the transaction price, with a discount of 20–30% compared to listings (NBP, 2026; dimdom, 2026). If successful, the math in Katowice beats Kraków hands down: 50 m² for ~450,000 PLN instead of 800,000 PLN. If not — you are overpaying in a market that is falling by 1% per month. This is a strategy for a negotiator, not for someone clicking \"buy the first one I see.\"",{"type":16,"attrs":186,"content":187},{"level":42},[188],{"text":189,"type":22},"The Kraków thesis: pay more, sleep better",{"type":24,"content":191},[192],{"text":193,"type":22},"Kraków offers depth (1,396 listings), resale liquidity, quantifiable rent, and tourism as a secondary demand driver. A gross return of 4.6% (approx. 3–3.5% net) is not staggering, but it is predictable. Furthermore, with value growth of 1–2% per year, the total return approaches 5–6% (dimdom, 2026; NBP, 2026).",{"type":16,"attrs":195,"content":196},{"level":42},[197],{"text":198,"type":22},"Risks for both sides",{"type":24,"content":200},[201],{"text":202,"type":22},"Katowice: thin rental market in the data (nothing to calculate), longer resale time, risk of further correction of listings toward transaction prices. Kraków: high entry threshold, sensitivity to interest rates (a 5.97% loan eats into the profitability of a leveraged purchase), and dependence on tourism in the premium segment (NBP\u002FAMRON, 2026).",{"type":16,"attrs":204,"content":205},{"level":42},[206],{"text":207,"type":22},"Verdict",{"type":24,"content":209},[210],{"text":211,"type":22},"On one hand: capital below 600,000 PLN, cash on hand, hard negotiations: Katowice. Capital above 800,000 PLN, priority: security and liquidity: Kraków. An 80% loan-to-value mortgage at today's interest rates does not add up in either city without a down payment that gains value over time. In summary, this is the most important sentence of this comparison.",{"type":24,"content":213},[214,216,225,227,233,235,241],{"text":215,"type":22},"Listings: ",{"text":217,"type":22,"marks":218},"apartments for sale in Katowice",[219],{"type":220,"attrs":221},"link",{"rel":222,"href":223,"target":224},"noopener noreferrer","\u002Fmieszkania\u002Fna-sprzedaz\u002Fslaskie\u002Fkatowice","_blank",{"text":226,"type":22},", ",{"text":228,"type":22,"marks":229},"apartments for sale in Kraków",[230],{"type":220,"attrs":231},{"rel":222,"href":232,"target":224},"\u002Fmieszkania\u002Fna-sprzedaz\u002Fmalopolskie\u002Fkrakow",{"text":234,"type":22}," and ",{"text":236,"type":22,"marks":237},"real estate price report",[238],{"type":220,"attrs":239},{"rel":222,"href":240,"target":224},"\u002Fceny-nieruchomosci",{"text":242,"type":22},".",{"type":16,"attrs":244,"content":245},{"level":42},[246],{"text":247,"type":22},"Supply: developers are completing more apartments",{"type":24,"content":249},[250,252,258],{"text":251,"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":253,"type":22,"marks":254},"GUS: housing construction",[255],{"type":220,"attrs":256},{"rel":222,"href":257,"target":224},"https:\u002F\u002Fssgk.stat.gov.pl\u002FBudownictwo_mieszkaniowe.html",{"text":242,"type":22},{"type":16,"attrs":260,"content":261},{"level":42},[262],{"text":263,"type":22},"Methodology",{"type":24,"content":265},[266],{"text":267,"type":22},"Listings: active dimdom ads, September 2026, after removing outliers (dimdom, 2026). Transactions: NBP Q1–Q2 2026 (NBP, 2026). For Katowice, we do not publish a profitability estimate — the rental sample is below the reliability threshold, and fabricating it would be exactly what this program aims to fix.",{"type":24,"content":269},[270,272,278,279,285,286,292],{"text":271,"type":22},"Sources: ",{"text":273,"type":22,"marks":274},"NBP: Quarterly Information",[275],{"type":220,"attrs":276},{"rel":222,"href":277,"target":224},"https:\u002F\u002Fnbp.pl\u002Fpublikacje\u002Fcykliczne-materialy-analityczne-nbp\u002Frynek-nieruchomosci\u002Finformacja-kwartalna",{"text":226,"type":22},{"text":280,"type":22,"marks":281},"ZBP: housing market Q1 2026",[282],{"type":220,"attrs":283},{"rel":222,"href":284,"target":224},"https:\u002F\u002Fwww.zbp.pl\u002Faktualnosci\u002Fwydarzenia\u002Frynek-mieszkaniowy-w-i-kwartale-2026-r",{"text":226,"type":22},{"text":287,"type":22,"marks":288},"AMRON-SARFiN 1\u002F2026",[289],{"type":220,"attrs":290},{"rel":222,"href":291,"target":224},"https:\u002F\u002Fwww.zbp.pl\u002Faktualnosci\u002Fwydarzenia\u002Fraport-amron-sarfin-1-2026",{"text":242,"type":22},"Katowice or Kraków for an investor? A threshold of 579k vs 800k PLN, 4.6% rental yield, risks of both markets, and a discount-based purchasing strategy.","published","ai",null,"https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-148-1789967525383\u002Fog-82835f53-8201-4695-a520-185b73a05a91.jpg","2026-09-21T05:12:05.339Z","2026-09-21T05:12:05.340Z","2026-09-21T05:12:17.415Z",[],"katowice-krakow-inwestycja-mieszkanie-porownanie-2026","pl",[305,307],{"url":277,"title":306},"NBP: Informacja kwartalna o rynku nieruchomości",{"url":257,"title":308},"GUS: Budownictwo mieszkaniowe",{"posts":310},[311,318,325,332,339],{"id":312,"title":313,"slug":314,"excerpt":315,"coverImageUrl":316,"cardImageUrl":296,"publishedAt":317,"language":9},167,"Wrocław or Poznań: where are apartments cheaper?","wroclaw-or-poznan-where-are-apartments-cheaper","Wrocław vs. Poznań based on hard data: 13,715 vs. 12,879 PLN\u002Fm², price dynamics, negotiation gaps, entry costs, and a final verdict. Check the details.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-147-1789967495007\u002Fog-ca3eb0b9-1240-4ea9-8305-8df5b3d255ca.jpg","2026-09-21T05:11:53.643Z",{"id":319,"title":320,"slug":321,"excerpt":322,"coverImageUrl":323,"cardImageUrl":296,"publishedAt":324,"language":9},166,"House or apartment in Krakow 2026: comparison","house-or-apartment-in-krakow-2026-comparison","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.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-143-1789881105530\u002Fog-570fcd18-aecc-4178-831c-d1ce1f6e5552.jpg","2026-09-20T05:11:59.570Z",{"id":326,"title":327,"slug":328,"excerpt":329,"coverImageUrl":330,"cardImageUrl":296,"publishedAt":331,"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":333,"title":334,"slug":335,"excerpt":336,"coverImageUrl":337,"cardImageUrl":296,"publishedAt":338,"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":340,"title":341,"slug":342,"excerpt":343,"coverImageUrl":344,"cardImageUrl":296,"publishedAt":345,"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"]