The housing market surprised. The first data on the prices of apartments for July

July 2025 turned out to be the first month in which in any of the largest Polish metropolises the average price of a square meter of apartments offered by developers increased. What’s more, in the Tri -City and Łódź prices even dropped slightly – it results from the preliminary data Big Data Rynekpierwotny.pl.

– At the beginning of July, the Monetary Policy Council reduced interest rates for the second time this year, thanks to which the availability of housing loans improved. As a consequence, more people could afford to buy their own M. on sale, and more apartments appeared in the popular segment, which had a stabilizing impact on the average price of a square meter of all premises available in the offer of development companies – says Marek Wielgo, an expert of the RynekPierwotny.pl portal.

Housing prices – Tri -City and Lodz with declines

According to preliminary data, Big Data Rynekpierwotny.pl shows that in July the average price of a square meter of apartments launched in the Tri -City was less than 12.8 thousand. PLN, and in Łódź – just over 9.9 thousand zloty. As a result, in both of these cities, the average price of all offered premises fell by 1 %, reaching about 16.6 thousand at the end of the month. PLN in the Tri -City and over 11.5 thousand PLN in Łódź.

In the other metropolises, prices remained unchanged compared to June. In Warsaw, the average price of a square meter reached about 18 thousand. PLN, in Krakow – 16.7 thousand PLN, in Wrocław – 14.7 thousand PLN, in Poznań – less than 13.6 thousand PLN, and in the Upper Silesian-Zagłębie metropolis-about 11.4 thousand zloty.

Housing market – year -on -year differences are getting smaller

Although prices are still higher than last year, the scale of growth is systematically decreasing. In Wrocław, in January, the average price of a square meter exceeded last year by 12 percent, in June – by 5 %, and in July by only 3 percent. A similar trend is visible in the Tri -City, where in June prices were 10 percent higher. than a year ago, and in July – by 7 percent In all large cities, annual price differences are already one -digit.

Warsaw and Łódź turned out to be the most stable. In both metropolises in July, the average price of new apartments increased per year by only 1 percent. In Krakow and Wrocław there were increases by 3 %, in Poznań-by 4 %, and in the Upper Silesian-Zagłębie metropolis-by 5 percent.

The housing market is waiting for the MPC decisions

– There are further interest rate reductions on the horizon. The first perhaps even in September. This can stop some from concluding development contracts. Especially if they are considering taking a loan with a temporary percentage percentage, which will not change for five years – admits Marek Wielgo.

According to the expert, demand will not remain indifferent to the improvement availability of housing loans. – Probably in autumn the sale of apartments will be clearly revived. Of course, if in the economy and consequently on the labor market, nothing will happen that could put out the optimism of credit buyers – he adds.

End of dreams of subsidies for housing?

As the experts of the RynekPierwotny.pl portal note, an additional factor affecting the mood of buyers was the government’s decision regarding the resignation from the plan of subsidies for housing for buyers for buying the first “M”. The Minister of Development and Technology asked the Government Legislation Center to delete the bill from the government’s work plan. The reason was the dispute in the coalition: PSL forced the program as an opportunity for young people, while the left and Poland 2050 warned that the subsidies would again drive prices, as in the case of the “Safe 2 % loan” program.