Cheap apartments for rent. There is money for 9 thousand. such premises

In 2026, a record amount of PLN 6.7 billion will be allocated to housing from the state budget, of which PLN 4.02 billion will be allocated to non-repayable grants to local governments for social and municipal construction. The assumption is that thanks to these funds, approximately 18,000 will be created in nearly 900 locations throughout Poland. municipal and social housing and 2.5 thousand places in dorms. Taking into account funds from the National Reconstruction Plan, this year’s housing budget totals PLN 8.7 billion.

It is already known that the European Investment Bank wants to grant Bank Gospodarstwa Krajowego a loan of approximately PLN 2 billion to finance social housing and cheap apartments for rent. The plan is to build 8,750 premises for approximately PLN 4 billion (EUR 935 million).

A flat is a right, not a commodity

For people with average income who do not have their own apartment, social rental is planned, where the monthly rent will be at least half lower than in the case of commercial rental.

At the same time, the tenant’s participation in construction costs will be reduced and, according to the new rules, it will not exceed 10%. construction costs and an increased income threshold – thanks to this, the group of people eligible to use this form of housing will increase.

In the last decade, donations were made in Poland on average about 5.4 thousand municipal, cooperative and social housing annually.

How long does it take to build an apartment block in Poland?

The construction of a new residential block in Poland takes on average about 26 months, i.e. just over 2 years – calculated by the Central Statistical Office in 2024. Smaller buildings (10-19 apartments) can be built faster – in about 16 months. The investment implementation time is long due to formalities and the construction process.

In 2025, a total of 208.4 thousand were put into operation in Poland. apartments. This is an increase of 8.3 thousand. premises (4.1%) compared to the previous year. Construction of 212.4 thousand sq m has also started. apartments – by 9.2 percent less than a year ago. The worse news is that the average square footage of a single apartment decreased to 86.9 m2. In 2024 it was 89.2 m2.

In single-family buildings it was 126.1 m2, and in multi-family buildings – 51.4 m2.

The most new apartments were built in the following voivodeships: Masovian (21.6% of the total), Greater Poland (10.3%) and Lesser Poland (9.8%); least in the Opolskie Voivodeship (1.2%) and Świętokrzyskie Voivodeship (1.9%).