Mortgages in Warsaw 2026: income needed for an apartment costing PLN 600 thousand–1.5 million
Author: Redakcja TM InvestMortgages~7 min read
The median price of a new apartment in Warsaw is PLN 893,729, based on 5,270 available apartments across 122 developments as of 12.11.2026 (new-build market, excluding houses; source: developer data and official price lists (dane.gov.pl)). For most buyers, this means a mortgage of around PLN 700–800 thousand. Below, we calculate the down payment, monthly repayment and net income needed for apartments priced at PLN 600 thousand–1.5 million, along with the number of Warsaw listings in each budget range.
Assumption: an annual interest rate of 5.99 %, the average rate on new housing loans in Polish zloty according to NBP (August 2026). This is a market average, not an offer from a specific bank. Calculations use equal monthly payments, excluding fees and insurance; all figures are estimates.
Key figures
- An apartment costing PLN 900 thousand with a 20 % down payment: a PLN 720 thousand mortgage, a monthly payment over 30 years of around PLN 4,312, and net household income of at least around PLN 11.6 thousand.
- An apartment costing PLN 1 million with a 20 % down payment: a PLN 800 thousand mortgage, a monthly payment of around PLN 4,791, and income starting at around PLN 12.9 thousand.
- The largest number of new apartments in Warsaw falls in the PLN 600–800 thousand range (1,588 listings). The PLN 800 thousand–1 million bracket has 1,092 apartments with a median floor area of 54.1 m².
- The down payment starts at 10 %, with 20 % preferable. At 10 %, the monthly payment and required income rise by around 12 %.
How many apartments in Warsaw fit your budget?
Before calculating a mortgage, check what you can realistically buy. Here is how new apartments in Warsaw are distributed by price:
| Apartment price | Available apartments | Developments | Median floor area |
|---|---|---|---|
| up to PLN 600 thousand | 537 | 46 | 34.5 m² |
| PLN 600–800 thousand | 1,588 | 83 | 40.8 m² |
| PLN 800 thousand–1 million | 1,092 | 82 | 54.1 m² |
| PLN 1–1.5 million | 1,279 | 80 | 60.8 m² |
| PLN 1.5–2 million | 313 | 42 | 73.3 m² |
| from PLN 2 million | 461 | 35 | 109.0 m² |
Data as of 12.11.2026. Moving from PLN 600–800 thousand to PLN 800 thousand–1 million typically gives you around 13 m² more space, often enough for another room. See apartments in Warsaw for PLN 800 thousand–1 million and apartments for PLN 1–1.5 million for details.
Apartments for PLN 800k – 1M: Warsaw and Wrocław
Developments with available apartments for PLN 800k – 1M. A mortgage expert will work out the instalment and borrowing capacity for the flat you choose.
Apartamenty Metro Wilanowska
Osiedle Bokserska 71
Kijowska Vita
Swobodna Living
By budget: Apartments for PLN 800k – 1M in Warsaw · Premium apartments from PLN 2M in Warsaw · Apartments for PLN 800k – 1M in Wrocław · Premium apartments from PLN 2M in Wrocław
Mortgage: Free consultation with a mortgage expert
Down payment, mortgage and monthly repayment – 20 % down
| Apartment price | Down payment 20 % | Mortgage | Payment – 30 years | Payment – 25 years |
|---|---|---|---|---|
| PLN 600,000 | PLN 120,000 | PLN 480,000 | PLN 2,875 | PLN 3,090 |
| PLN 800,000 | PLN 160,000 | PLN 640,000 | PLN 3,833 | PLN 4,120 |
| PLN 900,000 | PLN 180,000 | PLN 720,000 | PLN 4,312 | PLN 4,635 |
| PLN 1,000,000 | PLN 200,000 | PLN 800,000 | PLN 4,791 | PLN 5,150 |
| PLN 1,200,000 | PLN 240,000 | PLN 960,000 | PLN 5,750 | PLN 6,179 |
| PLN 1,500,000 | PLN 300,000 | PLN 1,200,000 | PLN 7,187 | PLN 7,724 |
TM Invest calculation: equal monthly payments, a 5.99 % interest rate and rounded values. A simple rule of thumb: each PLN 100 thousand borrowed over 30 years means a monthly payment of around PLN 600. Full tables for other amounts are available in mortgage monthly payments – tables.
How much income do you need?
A bank checks more than whether you can afford the payment today. For variable-rate loans, borrowing capacity is assessed with a buffer: an interest rate at least 2.5 percentage points higher (Rekomendacja S). Banks also take a cautious approach when total loan repayments exceed 40–50 % of net income. We use the same method as in our article on borrowing capacity: the test payment at 8.49 % over 25 years accounts for 50 % (minimum income) or 40 % (a safer level) of income.
| Apartment price | Net income – down payment 20 % | Net income – down payment 10 % |
|---|---|---|
| PLN 600,000 | PLN 7,700 – 9,700 | PLN 8,700 – 10,900 |
| PLN 800,000 | PLN 10,300 – 12,900 | PLN 11,600 – 14,500 |
| PLN 900,000 | PLN 11,600 – 14,500 | PLN 13,000 – 16,300 |
| PLN 1,000,000 | PLN 12,900 – 16,100 | PLN 14,500 – 18,100 |
| PLN 1,200,000 | PLN 15,400 – 19,300 | PLN 17,400 – 21,700 |
| PLN 1,500,000 | PLN 19,300 – 24,100 | PLN 21,700 – 27,200 |
Net household income, rounded to PLN 100; the first figure is the minimum and the second is a safer level. We assume no other loans or credit limits. Banks also deduct living costs and take household size into account, so the income actually required may be higher. Each lease payment, personal loan repayment or credit card limit reduces borrowing capacity.
Example: a couple buys a 3-room apartment in Warsaw for around PLN 900 thousand with a down payment of PLN 180 thousand. A PLN 720 thousand mortgage over 30 years means a monthly payment of around PLN 4,312. The bank will expect combined net income of at least around PLN 11.6 thousand, with around PLN 14.5 thousand a safer level. We explore this scenario in more detail in a mortgage of PLN 900 thousand.
A 10 % down payment – when does it make sense?
Banks generally finance up to 80 % of an apartment's value. A loan of up to 90 % is possible if the shortfall is covered by additional security, most commonly low-down-payment insurance. This can let you buy sooner, but the monthly payment and required income are higher:
| Apartment price | Down payment 10 % | Mortgage | Payment – 30 years |
|---|---|---|---|
| PLN 600,000 | PLN 60,000 | PLN 540,000 | PLN 3,234 |
| PLN 800,000 | PLN 80,000 | PLN 720,000 | PLN 4,312 |
| PLN 900,000 | PLN 90,000 | PLN 810,000 | PLN 4,851 |
| PLN 1,000,000 | PLN 100,000 | PLN 900,000 | PLN 5,390 |
| PLN 1,200,000 | PLN 120,000 | PLN 1,080,000 | PLN 6,468 |
For more on down payment sources and exceptions, see a 10 or 20 % down payment.
Costs beyond the down payment
- Notary and court fees. When buying from a developer, you do not pay PCC tax. For a price of PLN 800 thousand–1 million, notary and court fees come to around PLN 4–4.8 thousand at the maximum rates. See our article on apartment purchase costs for details.
- Finishing work. New apartments are handed over in developer standard (shell condition). Flooring, the bathroom and the kitchen need a separate budget.
- Parking space and storage unit – charged separately in many Warsaw developments.
- An apartment under construction. The bank releases the mortgage in stages according to the developer agreement's schedule. Until the full amount has been released, you usually pay interest on the amount already disbursed. Read more about mortgages for apartments under construction.
Mortgages for foreign buyers in Warsaw
Foreign buyers can also get a mortgage in Poland. Conditions depend on the bank, residence documents and income, with different requirements for temporary and permanent residence. For an overview, see mortgages for foreign buyers and banks that offer mortgages to foreign buyers. We describe the full purchase process in the capital in buying a new apartment in Warsaw as a foreign buyer.
Buying an apartment with a mortgage – step by step
- Check your borrowing capacity with a mortgage expert before reserving an apartment. For mortgage matters, TM Invest acts as a mortgage intermediary's agent.
- Apartment selection within the budget set by your borrowing capacity and down payment (from 10 %, preferably 20 %).
- Reservation and mortgage application – the bank needs documents including a reservation agreement or draft developer agreement and the information prospectus.
- Mortgage decision and developer agreement signed before a notary, followed by staged mortgage disbursements.
For a detailed explanation of each stage, see mortgages step by step.
Frequently asked questions
How much do I need to earn to get a mortgage for an apartment in Warsaw?
For an apartment costing around PLN 900 thousand (the median new-apartment price in Warsaw), a 20 % down payment means a mortgage of PLN 720 thousand. Our calculation suggests a household needs at least around PLN 11.6 thousand net per month, with around PLN 14.5 thousand a safer level.
What is the monthly mortgage payment for a PLN 1 million apartment in Warsaw?
With a 20 % down payment, the mortgage is PLN 800 thousand. Equal monthly payments over 30 years are around PLN 4,791 at an interest rate of 5.99 %. With a 10 % down payment (a PLN 900 thousand mortgage), the payment is around PLN 5,390.
How much down payment do I need for an apartment in Warsaw?
The down payment starts at 10 %, with 20 % of the price preferable. For a PLN 900 thousand apartment, this means PLN 90–180 thousand. You also need to budget for notary and court fees and finishing work, as a new apartment is handed over in developer standard (shell condition).
Can a foreign buyer get a mortgage for an apartment in Warsaw?
Yes, but conditions depend on the bank, residence documents and income. It is therefore worth checking your borrowing capacity with a mortgage expert before reserving an apartment.
Where should I start when buying an apartment with a mortgage?
Start by checking your borrowing capacity with a mortgage expert. Once you know how much you can borrow, we select apartments within your budget. The consultation and apartment selection at TM Invest are free.
Book a free consultation
Want to know how much you can borrow and which apartments in Warsaw fit your budget? Book a free consultation with a mortgage expert. We will check your borrowing capacity, then select apartments from a range of developers. Consultations are available in Polish, Russian and English. Buying a new apartment: usually no commission — the developer pays our fee. Check your borrowing capacity or arrange apartment selection.
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