Saving time for the own contribution to buy an apartment in Poland 2020, by city

Published by
Adriana Sas,
Dec 20, 2023
In the third quarter of 2020, it would take between 28 months (Katowice) and 39 months (Warsaw) to save for a 10 percent own contribution to purchase a new 55m2 apartment. The average result for the sixteen compared locations amounted to two years and nine months.

Comparison of saving time for the own contribution needed to buy a new apartment in Poland in 3rd quarter 2020, by major cities* (in months)

CharacteristicTime to save for the contribution (10%) needed to buy a 55m2 apartment from the developer's offerTime to save for the contribution (20%) needed to buy a 55m2 apartment from the developer's offer
Białystok 34 67
Bydgoszcz 33 64
Gdańsk 35 69
Katowice 28 56
Kielce 33 64
Kraków 36 70
Lublin 32 63
Łódź 32 63
Olsztyn 34 67
Opole 31 60
Poznań 32 63
Rzeszów 30 60
Szczecin 33 65
Showing entries 1 to 13 (17 entries in total)
Created with Highcharts 7.2.2Saving period in months6767646469695656646470706363636367676060636360606565767670705656656534343333353528283333363632323232343431313232303033333939363629293333Time to save for the contribution (10%) needed to buy a 55m2 apartment from the developer's offerTime to save for the contribution (20%) needed to buy a 55m2 apartment from the developer's offerBiałystokBydgoszczGdańskKatowiceKielceKrakówLublinŁódźOlsztynOpolePoznańRzeszówSzczecinWarszawaWrocławZielona GóraAverage for 16 cities
0510152025303540455055606570758085

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Release date

March 2021

Region

Poland

Survey time period

Q3 2020

Supplementary notes

*Additional assumptions: childless spouses working in the business sector are saving for their own contribution. Each of them earns the average salary in their respective city (adjusted for inflation). Future mortgagees spend 15% of their net income on their own contribution. The money is accumulated in a deposit that will provide 1.00% yield per annum (adjusted for inflation, not including the capital gains tax). The deposit has monthly capitalization.

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