Cheap Flats in Wroclaw 2026 – What You Can Buy for Up to PLN 500k and 600k

Cheap flats in Wroclaw on the primary market are today within reach of a PLN 500–600k budget, but the choice is narrow: according to TM Invest offer data (as of 27.09.2026), 100 of the 2089 available flats cost up to PLN 500k, and 378 up to PLN 600k. For that money you can buy a studio or a compact 2-room flat, most often in Fabryczna or Krzyki and most often under construction. Below we show how many offers there are in each budget and district, the 10 specific cheapest units, and at the end – the mortgage instalment on PLN 480k.

Key facts

• Up to PLN 400k our offer has only 3 new flats in Wroclaw (studios of 27–29 m² in Fabryczna), up to PLN 500k – 100, up to PLN 600k – 378, i.e. 18% of the offer.
• The median price of all available flats in Wroclaw in our offer is PLN 759k (PLN 15 788/m²) – so a PLN 600k budget is clearly below the middle of the market.
• Up to PLN 600k you can buy a studio of about 29–34 m² or two rooms of about 36–44 m²; the cheapest 3-room flat costs about PLN 625k.
• Only 24 of the 378 flats up to PLN 600k are completed and ready for handover – the rest are developments under construction with completion dates from the fourth quarter of 2026 to the first quarter of 2029.
• A PLN 480k loan over 30 years at an interest rate of 6.07% (NBP average for new housing loans, July 2026) means an instalment of about PLN 2 899 a month.

How many cheap flats are there in Wroclaw – up to PLN 400k, 500k and 600k

We counted all the available flats with an openly stated price in our Wroclaw catalogue (excluding houses and terraced units and excluding reserved units). What counts is the total price of the unit from the developer's price list, excluding a parking space and storage room. These are offer prices from our offer, not from the whole market – according to NBP the average offer price on the Wroclaw primary market in the second quarter of 2026 was PLN 15 575/m², and the transaction price PLN 14 312/m², so our median is very close to the market's average offer price.

District	up to PLN 400k	up to PLN 500k	up to PLN 600k	All available	What dominates up to PLN 600k
Fabryczna	3	44	148	345	two rooms (142), studios (6)
Krzyki	0	41	119	752	two rooms (74), studios (45)
Stare Miasto	0	8	78	535	studios and units of 26–36 m² (76), two rooms (2)
Śródmieście	0	5	18	205	studios (15), two rooms (3)
Psie Pole	0	2	15	252	studios (10), two rooms (5)
Wroclaw total	3	100	378	2089	226 two-room flats, 141 studios, 11 units with no room count given

The conclusion is simple: if you are looking for two rooms for less than PLN 600k, look above all at new flats in Fabryczna – almost two thirds of the cheap two-room flats are there. In the centre (Stare Miasto, Śródmieście) the same budget usually buys only a studio. We break down the prices of individual flat types – studios, two-room and three-room flats – in the article How much a flat costs in Wroclaw, and prices per metre in the districts in the summary Flat prices Wroclaw 2026.

What you can realistically buy for PLN 400k, 500k and 600k

The number of offers alone does not tell you how big the flat will be. Below are typical floor areas in each price bracket – we give the middle half of offers (from the first to the third quartile) to cut off individual extreme units.

Budget	Number of flats	Typical studio	Typical 2 rooms	Median price per m²	Completed, ready for handover
up to PLN 400k	3	27.5–29.1 m²	–	PLN 12 180	0
PLN 400–500k	97	27–30 m²	34–37 m²	PLN 14 500	6
PLN 500–600k	278	29–34 m²	36–44 m²	PLN 14 797	18

A studio up to PLN 400k in Wroclaw

This is almost unattainable today. In our offer only three studios in the Aleja Platanowa 2 development (Fabryczna) meet it – 27.5–29.1 m² for PLN 335–354k, at PLN 12 180/m². The catch: the completion date is the turn of 2028 and 2029, and the investor is a housing cooperative, so before reserving, check carefully the type of contract, the information prospectus and the payment schedule. The next studios start only from about PLN 439k. We write more about prices of small units in the article Studio flat prices in Warsaw and Wroclaw 2026.

A flat up to PLN 500k in Wroclaw

For PLN 400–500k you choose between a studio of 27–30 m² closer to the centre (Krzyki on ul. Krakowska, Stare Miasto) and a small two-room flat of 34–37 m² – mainly in Fabryczna (Rędzińska phase 4, Osiedle Metr Kwadrat phase II, Aleja Platanowa 2) and in Krzyki (Villa Viva). Of the 100 flats up to PLN 500k, 55 are two-room and 44 are studios. The most offers in this budget are in Villa Viva (15), Apartamenty Krakowska 5 and Rędzińska phase 4 (13 each).

A flat up to PLN 600k in Wroclaw

An extra PLN 100k increases the choice almost fourfold. A two-room flat now usually has 36–44 m², and units in the centre also appear in the price range – mainly studios in the Atrium – Nowy Szczepin, RiverSide and Mosaico developments in Stare Miasto. In Fabryczna the median price of a two-room flat up to PLN 600k is about PLN 509k for 36 m², in Krzyki – about PLN 585k for 37 m². You will not find three rooms in this budget: the cheapest three-room flat in our offer (56.8 m² in the Villa Viva development) costs PLN 624 580.

The cheapest new flats in Wroclaw – 10 specific offers

Here are the cheapest available flats from our catalogue. So that the list does not consist of several almost identical units from a single building, we take at most two flats from one development.

Price	Floor area	Rooms	PLN/m²	Development	District	Completion date
PLN 335 315	27.53 m²	1	12 180	Aleja Platanowa 2	Fabryczna	fourth quarter 2028 – first quarter 2029
PLN 352 002	28.90 m²	1	12 180	Aleja Platanowa 2	Fabryczna	fourth quarter 2028 – first quarter 2029
PLN 435 000	25.97 m²	n/a	16 750	Atrium – Nowy Szczepin	Stare Miasto	fourth quarter 2027
PLN 439 247	25.39 m²	1	17 300	Apartamenty Krakowska 6	Krzyki	first quarter 2027
PLN 442 759	26.94 m²	1	16 435	Apartamenty Krakowska 5	Krzyki	second quarter 2028
PLN 443 374	25.54 m²	1	17 360	RiverSide	Stare Miasto	second quarter 2028
PLN 445 318	26.94 m²	1	16 530	Apartamenty Krakowska 5	Krzyki	second quarter 2028
PLN 452 746	30.82 m²	1	14 690	Węgliniecka	Fabryczna	third quarter 2027
PLN 452 746	30.82 m²	1	14 690	Węgliniecka	Fabryczna	third quarter 2027
PLN 460 288	37.12 m²	2	12 400	Villa Viva	Krzyki	first quarter 2028

Note two things. First, the cheapest two-room flat is only slightly more expensive than the cheapest studio in a good location: 2 rooms of 37 m² in Fabryczna or in Villa Viva cost about PLN 453–460k, and a studio of 25 m² on ul. Krakowska – about PLN 440k. Second, all the flats on this list are under construction. If you like one of the offers and want to compare it with others in the same budget, we will prepare a summary of flats within your budget – in most cases no commission for the buyer, because the developer usually pays our fee.

Completed or under construction – a cheap flat in a finished building

In the whole Wroclaw offer about 20% of flats are completed (412 of 2089), but among units up to PLN 600k – only 6% (24 of 378). A cheap flat in an already completed building is therefore almost always a studio, and rather in the centre than on the outskirts. The cheapest completed units in our offer:

• studio of 33.2 m² for PLN 471 440 – Komuny Paryskiej 19a (Stare Miasto),
• studio of 26.6 m² for PLN 479 000 – Lokum Porto bldg E, F and H (Stare Miasto),
• studio of 32.6 m² for PLN 491 900 – Kamieńskiego 232 (Psie Pole),
• 2 rooms of 44.4 m² for PLN 499 000 – Lokum Verde phase III (Psie Pole) – the only completed two-room flat below PLN 500k,
• 2 rooms of 42 m² for PLN 558 334 – Rudawska 5 (Psie Pole).

A flat under construction gives more choice and usually a lower price per metre, but means waiting – among cheap units the dates range from the fourth quarter of 2026 to the first quarter of 2029 – and paying in tranches into a housing escrow account (mieszkaniowy rachunek powierniczy). How this money is protected we explain in the article Escrow account and the DFG. If you pay rent in the meantime, add it to the real cost of the purchase.

What to watch out for with a cheap flat in Wroclaw

Location and commute

A low price per metre is usually the result of distance from the centre. Fabryczna has a median of PLN 13 394/m² in our offer versus PLN 17 782/m² in Stare Miasto, but the commute time depends strongly on the specific estate – Nowy Dwór with its tram line looks different from Maślice or Leśnica. Check the commute to work at rush hour, not on a Sunday. We describe the estates, tram and rail in the west of the city in the guide New flats Wroclaw Fabryczna. In Psie Pole there are few cheap flats (15 up to PLN 600k), but 4 of them are ready for handover. We compare the character of all districts in the text The best districts of Wroclaw to live in.

Floor area and price per metre

Small units are more expensive per metre. Among flats up to PLN 600k the median for studios is PLN 16 852/m², and for two-room flats – PLN 13 790/m². A studio in the centre can cost as much as a two-room flat in Fabryczna, but has 8–10 m² less. Before you decide, check on the floor plan whether you can comfortably fit a bed, a table and a wardrobe – at 25 m² every wall layout matters.

Costs beyond the price of the flat

When buying from a developer you do not pay PCC (the civil-law transactions tax), but the notary and the court come in. For a PLN 600k flat bought under construction, at the maximum notarial fee, your share of the costs of the developer contract (umowa deweloperska) and the contract transferring ownership is about PLN 3.3k (the fee with 23% VAT plus court fees: half of PLN 150 for entering the claim, PLN 100 for opening the land and mortgage register (księga wieczysta) and PLN 200 for entering ownership), excluding extracts and loan costs. A parking space and storage room are usually paid for separately, and a flat in developer standard (stan deweloperski) has to be fitted out – you will find indicative rates in the article How much does fitting out a flat cost. We have collected the full list of charges in the text Costs of buying a flat from a developer.

Down payment and instalment – an example of a PLN 480k loan

An amount of PLN 480k is a typical loan for a cheap flat in Wroclaw: that is what you borrow when buying a PLN 600k flat with a 20% down payment (PLN 120k), or a flat for about PLN 533k with a 10% down payment (about PLN 53k). Under KNF's Recommendation S (the Polish Financial Supervision Authority's lending rules), a 10% down payment is possible only if the part of the loan above 80% of the property value is additionally secured, e.g. by insurance – an extra cost. Details in the article Down payment 2026.

Interest rate	Instalment – 25 years	Instalment – 30 years	Total interest – 30 years
5.07% (−1 pp)	PLN 2 826	PLN 2 597	about PLN 455k
6.07% (NBP average, July 2026)	PLN 3 113	PLN 2 899	about PLN 564k
7.07% (+1 pp)	PLN 3 414	PLN 3 216	about PLN 678k

Extending the loan from 25 to 30 years lowers the instalment by about PLN 214, but raises total interest by more than PLN 100k. Remember too that the bank does not calculate borrowing capacity at today's rate – with a variable rate it adds a buffer for a rise, so the income required will be higher than the instalment alone suggests. How much credit you will get on your earnings you can check in the article Borrowing capacity 2026. Buying with a loan? Book a consultation with a mortgage expert – we will compare offers from several banks and calculate what flat you can realistically afford.

For comparison: what the cheapest segment of the market in the capital looks like, we show in the article Cheapest new flats in Warsaw.

Frequently asked questions

Summary

A cheap flat in Wroclaw in 2026 is above all a studio of 27–34 m² or a compact two-room flat of 34–44 m² for PLN 450–600k, most often in Fabryczna or Krzyki and most often under construction. A PLN 500k budget opens up about 5% of our Wroclaw offer, PLN 600k – nearly one fifth. When choosing, look not only at the price, but also at the commute, the completion date, the price per metre and the costs that arise after signing the contract.

Looking for a flat up to PLN 500k or 600k? We will help you buy a flat from a developer – we will find offers within your budget and check the contract, in most cases with no commission for the buyer, because the developer usually pays our fee. If you need financing, book a consultation with a mortgage expert – we will compare offers from several banks.

Legal status as of September 2026. Prices and availability come from the TM Invest offer (as of 27.09.2026) and may change. The calculations of instalments and costs are indicative and do not constitute financial or legal advice.

Sources

• Flat prices: TM Invest development catalogue, as of 27.09.2026.
• NBP – housing prices (BaRN database) – Wroclaw, primary market, second quarter of 2026.
• NBP – interest on new loans (MIR statistics) – residential real estate loans in zlotys, July 2026.
• KNF – Recommendation S (rec. 15.5 – LTV 80% and 90%) (in Polish).
• Regulation on maximum notarial fee rates – consolidated text Dz.U. 2024 item 1566 (§ 3, § 6 points 15a and 16).
• Act on court costs in civil cases – consolidated text Dz.U. 2025 item 1228 (art. 42–44).
• Developer Act – consolidated text Dz.U. 2026 item 880 (art. 40 sec. 2 – allocation of developer contract costs).