[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"developer-directory":3,"blog-post-krakow-or-warsaw-2026-where-are-apartments-cheaper-en":6,"blog-related-164":244},{"count":4,"enough":5},0,false,{"id":7,"translationGroupId":8,"language":9,"title":10,"slug":11,"content":12,"excerpt":229,"status":230,"source":231,"authorId":232,"authorEmail":232,"authorName":232,"coverImageUrl":233,"metaTitle":234,"metaDescription":229,"publishedAt":235,"createdAt":235,"updatedAt":235,"tags":236,"translationSlug":237,"translationLanguage":238,"researchSources":239},164,"5b80d1cd-9492-4c79-ac1e-ec65939bd08e","en","Kraków or Warsaw 2026: where are apartments cheaper?","krakow-or-warsaw-2026-where-are-apartments-cheaper",{"type":13,"content":14},"doc",[15,23,28,32,36,40,46,50,54,58,62,66,70,74,78,82,86,90,94,98,102,106,111,115,120,124,129,133,180,185,196,201,205],{"type":16,"attrs":17,"content":19},"heading",{"level":18},1,[20],{"text":21,"type":22},"Kraków or Warsaw: Where are apartments cheaper in 2026? A comparison","text",{"type":24,"content":25},"paragraph",[26],{"text":27,"type":22},"Median asking prices: Kraków 16,000 PLN\u002Fm² vs. Warsaw 17,636 PLN\u002Fm² — a difference of 1,636 PLN per meter, or approximately 82,000 PLN for a 50-square-meter apartment (dimdom, 2026).",{"type":24,"content":29},[30],{"text":31,"type":22},"Both markets are stagnant: the month-on-month change is 0% in both cities (dimdom, 2026).",{"type":24,"content":33},[34],{"text":35,"type":22},"The negotiation gap is larger in Warsaw (approx. 1,800 PLN\u002Fm²) than in Kraków (approx. 900 PLN\u002Fm²) — therefore, the actual difference in transaction prices is smaller than what is seen in listings (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},"Asking prices: table",{"type":24,"content":47},[48],{"text":49,"type":22},"Segment (median)",{"type":24,"content":51},[52],{"text":53,"type":22},"Kraków",{"type":24,"content":55},[56],{"text":57,"type":22},"Warszawa",{"type":24,"content":59},[60],{"text":61,"type":22},"Apartments for sale (PLN\u002Fm²)",{"type":24,"content":63},[64],{"text":65,"type":22},"16,000 (n=1396)",{"type":24,"content":67},[68],{"text":69,"type":22},"17,636 (n=1189)",{"type":24,"content":71},[72],{"text":73,"type":22},"Houses for sale (PLN\u002Fm²)",{"type":24,"content":75},[76],{"text":77,"type":22},"10,774 (n=103)",{"type":24,"content":79},[80],{"text":81,"type":22},"11,073 (n=36)",{"type":24,"content":83},[84],{"text":85,"type":22},"Plots for sale (PLN\u002Fm²)",{"type":24,"content":87},[88],{"text":89,"type":22},"270 (n=49)",{"type":24,"content":91},[92],{"text":93,"type":22},"1,000 (n=112)",{"type":24,"content":95},[96],{"text":97,"type":22},"Apartment rentals (PLN\u002Fm²)",{"type":24,"content":99},[100],{"text":101,"type":22},"62 (n=97) n\u002Fa (sample too small)",{"type":24,"content":103},[104],{"text":105,"type":22},"All listing figures: dimdom, 2026. The largest gap is found in land plots. Land near Warsaw costs nearly 4 times as much as land near Kraków. This is a result of urbanization pressure and lower land supply around the capital.",{"type":16,"attrs":107,"content":108},{"level":42},[109],{"text":110,"type":22},"Transaction prices: the gap is narrowing",{"type":24,"content":112},[113],{"text":114,"type":22},"However, in notarial deeds, the difference shrinks. Q2 2026: Warsaw 16,783 PLN\u002Fm² (+2.4% y\u002Fy), Kraków 15,923 PLN\u002Fm² (+1.4% y\u002Fy) — a distance of approx. 860 PLN\u002Fm², nearly half of what is seen in advertisements (NBP, 2026). In the secondary market, Warsaw is actually becoming cheaper year-on-year (-1.7%), while asking prices remain stagnant (NBP, 2026).",{"type":16,"attrs":116,"content":117},{"level":42},[118],{"text":119,"type":22},"How much you need to start",{"type":24,"content":121},[122],{"text":123,"type":22},"A 50 m² apartment based on the median asking price: Kraków 800,000 PLN, Warsaw 881,800 PLN. With a 20% down payment, this is 160,000 PLN vs. 176,360 PLN. The 16,360 PLN difference in the down payment alone also translates into a higher installment due to the larger loan. With an average interest rate on new loans of 5.97% (NBP\u002FAMRON, 2026), every additional 100,000 PLN of credit means about 640 PLN more per month over 30 years.",{"type":16,"attrs":125,"content":126},{"level":42},[127],{"text":128,"type":22},"Verdict",{"type":24,"content":130},[131],{"text":132,"type":22},"In summary, Warsaw is about 10% more expensive in listings and about 5% more expensive in transactions — but it has a deeper market (1,189 listings), greater liquidity for new builds, and stronger cash-based demand. Kraków offers a lower entry threshold and comparable price stability. An investor calculating rental yield will find better math in Kraków (rates of 62 PLN\u002Fm² at a price of 16,000 PLN\u002Fm² yield approx. 4.6% gross), as Warsaw rental rates are not keeping pace with purchase prices.",{"type":24,"content":134},[135,137,146,148,154,156,162,164,170,172,178],{"text":136,"type":22},"Listings: ",{"text":138,"type":22,"marks":139},"apartments for sale in Kraków",[140],{"type":141,"attrs":142},"link",{"rel":143,"href":144,"target":145},"noopener noreferrer","\u002Fmieszkania\u002Fna-sprzedaz\u002Fmalopolskie\u002Fkrakow","_blank",{"text":147,"type":22},", ",{"text":149,"type":22,"marks":150},"apartments for sale in Warsaw",[151],{"type":141,"attrs":152},{"rel":143,"href":153,"target":145},"\u002Fmieszkania\u002Fna-sprzedaz\u002Fmazowieckie\u002Fwarszawa",{"text":155,"type":22}," and ",{"text":157,"type":22,"marks":158},"houses for sale in Kraków",[159],{"type":141,"attrs":160},{"rel":143,"href":161,"target":145},"\u002Fdomy\u002Fna-sprzedaz\u002Fmalopolskie\u002Fkrakow",{"text":163,"type":22},". Macro background and full data: ",{"text":165,"type":22,"marks":166},"real estate price report",[167],{"type":141,"attrs":168},{"rel":143,"href":169,"target":145},"\u002Fceny-nieruchomosci",{"text":171,"type":22},". Macro background: ",{"text":173,"type":22,"marks":174},"NBP\u002FZBP housing market",[175],{"type":141,"attrs":176},{"rel":143,"href":177,"target":145},"https:\u002F\u002Fwww.zbp.pl\u002Faktualnosci\u002Fwydarzenia\u002Frynek-mieszkaniowy-w-i-kwartale-2026-r",{"text":179,"type":22},".",{"type":16,"attrs":181,"content":182},{"level":42},[183],{"text":184,"type":22},"Supply: developers are delivering more apartments",{"type":24,"content":186},[187,189,195],{"text":188,"type":22},"In the first half of 2026, 94.9 thousand apartments were completed, 3.2% more than the previous year (GUS, 2026). The growing supply of new apartments is good news for buyers in the secondary market: the more new units there are, the lower the demand pressure on used ones. Data: ",{"text":190,"type":22,"marks":191},"GUS: housing construction",[192],{"type":141,"attrs":193},{"rel":143,"href":194,"target":145},"https:\u002F\u002Fssgk.stat.gov.pl\u002FBudownictwo_mieszkaniowe.html",{"text":179,"type":22},{"type":16,"attrs":197,"content":198},{"level":42},[199],{"text":200,"type":22},"Methodology",{"type":24,"content":202},[203],{"text":204,"type":22},"Listings: active dimdom ads, September 2026, after removing extreme values (dimdom, 2026). Transactions and loans: NBP and AMRON-SARFiN (NBP, 2026). For Warsaw, there is no reliable rental median from dimdom (sample below threshold) — we are not estimating it forcibly.",{"type":24,"content":206},[207,209,215,216,221,222,228],{"text":208,"type":22},"Sources: ",{"text":210,"type":22,"marks":211},"NBP: Quarterly information",[212],{"type":141,"attrs":213},{"rel":143,"href":214,"target":145},"https:\u002F\u002Fnbp.pl\u002Fpublikacje\u002Fcykliczne-materialy-analityczne-nbp\u002Frynek-nieruchomosci\u002Finformacja-kwartalna",{"text":147,"type":22},{"text":217,"type":22,"marks":218},"ZBP: housing market Q1 2026",[219],{"type":141,"attrs":220},{"rel":143,"href":177,"target":145},{"text":147,"type":22},{"text":223,"type":22,"marks":224},"AMRON-SARFiN 1\u002F2026",[225],{"type":141,"attrs":226},{"rel":143,"href":227,"target":145},"https:\u002F\u002Fwww.zbp.pl\u002Faktualnosci\u002Fwydarzenia\u002Fraport-amron-sarfin-1-2026",{"text":179,"type":22},"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.","published","ai",null,"https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-133-1789794702014\u002Fog-c489170d-11d0-4323-91df-55624fd7a8a0.jpg","Kraków or Warsaw 2026: where is it cheaper?","2026-09-19T05:11:57.666Z",[],"krakow-warszawa-ceny-mieszkan-porownanie-2026","pl",[240,242],{"url":214,"title":241},"NBP: Informacja kwartalna o rynku nieruchomości",{"url":194,"title":243},"GUS: Budownictwo mieszkaniowe",{"posts":245},[246,253,260,267,274],{"id":247,"title":248,"slug":249,"excerpt":250,"coverImageUrl":251,"cardImageUrl":232,"publishedAt":252,"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":254,"title":255,"slug":256,"excerpt":257,"coverImageUrl":258,"cardImageUrl":232,"publishedAt":259,"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":261,"title":262,"slug":263,"excerpt":264,"coverImageUrl":265,"cardImageUrl":232,"publishedAt":266,"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",{"id":268,"title":269,"slug":270,"excerpt":271,"coverImageUrl":272,"cardImageUrl":232,"publishedAt":273,"language":9},160,"Apartment prices in Gorzów Wielkopolski 2026: report","apartment-prices-gorzow-wielkopolski-2026-report","How much does an apartment cost in Gorzów Wielkopolski? Median asking price is PLN 7,586\u002Fm² based on 119 listings — the most affordable among provincial capitals after Łódź. Check the details.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-142-1789621901915\u002Fog-a7a5db65-77b6-4b5b-933f-ef7087bff969.jpg","2026-09-17T05:11:55.677Z",{"id":275,"title":276,"slug":277,"excerpt":278,"coverImageUrl":279,"cardImageUrl":232,"publishedAt":280,"language":9},159,"Apartment prices in Zielona Góra 2026: median PLN 8,568\u002Fm²","apartment-prices-zielona-gora-2026","How much does an apartment cost in Zielona Góra? Median asking price of PLN 8,568\u002Fm² from 55 listings, houses priced near apartments, and a deep commercial market. Check the details.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fblog-141-1789621887568\u002Fog-14f15753-8408-4d46-b81a-bcc59549f5b6.jpg","2026-09-17T05:11:41.896Z"]