Turnkey finishing – how much it costs in 2026 and what it includes

Turnkey finishing costs in 2026 indicatively from about PLN 1,200 to 2,000/m² net in basic packages, PLN 2,000–3,500/m² in the comprehensive variant and from about PLN 3,500/m² upwards in the premium standard. For that price one company takes on the design, materials, labour and coordination of the crews. Below we explain what a package usually includes and what you have to buy separately, compare turnkey with DIY finishing and a developer package, and calculate a budget for a studio and a 2-room flat from our offer.

Key points

• Indicative ranges from company price lists (September 2026): PLN 1,200–2,000/m² net for a basic package, PLN 2,000–3,500/m² for the comprehensive variant, PLN 3,500–5,000/m² and more for premium.
• Made-to-measure furniture, appliances and decorative lighting are in most packages outside the price per m² — they are separate items or paid options.
• For a studio of the median size in our offer (32.4 m² in Wrocław) a turnkey budget is about PLN 42–122k with 8% VAT, that is 7–21% of the flat price.
• A company carrying out works in a dwelling of up to 150 m² may apply 8% VAT — including to materials built in as part of the service.
• A project with design usually takes from about 2 to 5 months, and companies most often give a 24-month guarantee.

What is turnkey finishing?

"Turnkey" means you take over the flat in stan deweloperski (the developer's standard, without interior finishing) and hand the keys to one company that prepares the unit for living. The most important difference from DIY finishing lies not in materials but in responsibility: one contractor is responsible for the design, purchases, order of works, deadlines and quality. You approve the design and choose variants from a catalogue, rather than looking for a tiler, an electrician and a joiner separately.

For the convenience you pay the company's margin for coordination and purchasing. In return you usually get a fixed price per m², a schedule in the contract and one address for complaints. The full order of works after collecting the keys is described in the guide Finishing a developer-standard flat step by step.

What does turnkey finishing include, and what costs extra?

Every company arranges its packages its own way, and names like "Standard" or "Premium" mean nothing without a specification. When comparing offers, look at the list of works and the specific materials. Based on price lists of companies operating in Warsaw and Wrocław, the typical scope looks like this:

Element	Basic package	Comprehensive / premium package
Design	functional layout, bathroom visualisation, drawings for the crew	a design of the whole flat with visualisations of all rooms
Floors and walls	laminate or porcelain tiles, skirting boards, painting walls and ceilings	engineered wood or timber, larger tile formats, better paints
Bathroom	wall and floor tiles, sanitaryware and fittings from the catalogue	higher-class fittings, concealed solutions, mosaics
Interior doors	doors with frames and handles	concealed or flush doors
Changes to installations	usually an extra-cost option	more often in scope, e.g. additional electrical points
Kitchen furniture and made-to-measure built-ins	outside the package	in some offers included or as an option
Appliances, decorative lighting	outside the package	usually outside the package or for a surcharge
Freestanding furniture, textiles, decor	outside the package	outside the package, a separate "home staging" or furnishing service

Turnkey with or without furniture?

The price per m² in price lists almost always refers to the "without furniture" variant: finishing works plus materials. The kitchen and made-to-measure wardrobes are priced separately, because their cost depends on the length and fronts, not on the size of the flat. If you want to move in "with a suitcase", ask for a quote on two variants — with and without built-ins — and compare it with a joiner's offer. How to build such a budget item by item is shown in the article Flat finishing cost estimate.

A flat turnkey – price per m² in Warsaw and Wrocław

We reviewed current price lists of companies carrying out turnkey finishing in Warsaw and Wrocław. The spread is large, because very different scopes hide under one name. After sorting by what a package actually includes, three ranges emerge:

Variant	Price per m² (net)	What it usually includes
Basic	PLN 1,200–2,000	bathroom design, floors, painting, doors, a bathroom from the catalogue; no furniture or appliances
Comprehensive	PLN 2,000–3,500	design of the whole, mid- and upper-class materials, some built-ins or a kitchen as an option
Premium	from PLN 3,500 (in Warsaw also PLN 5,000 and more)	an individual design, timber, stone, made-to-measure built-ins, "smart" solutions

In Warsaw offers more often start from higher amounts, and the top end of premium is clearly higher. In Wrocław price lists of comprehensive packages usually fall in the range of PLN 1,200–2,800/m². Remember that some companies quote only flats from about 45 m², and smaller units individually. In a studio the cost per m² can be higher, because the bathroom and kitchenette cost about the same as in a larger flat but are spread over fewer metres.

Turnkey, DIY or a developer package – comparison

Turnkey is one of three paths. The cost of DIY finishing in three standards is set out in the article How much flat finishing costs, and the developers' offer in the text Finishing package from a developer – is it worth it?. Here we set out the main differences:

Criterion	Turnkey company	DIY (crews + purchases)	Developer package
Who coordinates	the company	you	the developer or its partner
Choice of materials	the company's catalogue, surcharges for changes	full freedom	a few colour variants
Cost	a margin for coordination, but predictable	usually the lowest if well organised	depends on the developer, often a fixed price per m²
Time	after handover, usually 2–5 months	depends on crew availability, the longest	work before handover or right after it
Complaints	one contractor	each crew separately	the developer or the package partner
Your time	approving the design and acceptance	a lot: purchases, supervision, stage acceptance	the least: choosing a variant

Turnkey makes the most sense when you do not live in the project's city, are buying a flat to let or simply have no time for months of supervision. DIY finishing wins when you have proven crews and want to choose every material.

Prefer a flat with finishing done or with a finishing package right away? We will select a flat from a developer to fit your budget for purchase and finishing — most often without a commission for you, because the fee is usually paid by the developer.

How much a studio and a 2-room flat cost turnkey – an example on offer data

Take the median sizes and prices from the TM Invest offer (according to the TM Invest offer as of 27 September 2026) and apply the ranges of the basic package (PLN 1,200–2,000/m²) and the comprehensive one (PLN 2,000–3,500/m²). We add 8% VAT to the net amounts, because these are units under 150 m².

Flat (median in the offer)	Size	Median price	Basic package with 8% VAT	Comprehensive package with 8% VAT	Share of the flat price
Studio, Wrocław	32.4 m²	595,638	42,000–70,000	70,000–122,500	7–21%
Studio, Warsaw	30.4 m²	824,404	39,400–65,700	65,700–114,900	5–14%
2 rooms, Wrocław	40.8 m²	662,405	52,900–88,100	88,100–154,200	8–23%
2 rooms, Warsaw	39.4 m²	755,824	51,100–85,100	85,100–148,900	7–20%

An example step by step: a 2-room flat in Wrocław has in our offer a median of 40.8 m² and PLN 662,405. A basic package at PLN 1,500/m² net is 40.8 × 1,500 = PLN 61,200, with 8% VAT PLN 66,096, about 10% of the flat price. If a made-to-measure kitchen and appliances are added, the total budget easily exceeds 15% of the unit price. The median price of a studio in Warsaw is inflated by apartments in Śródmieście, so the share of finishing in the price comes out lower there than in Wrocław.

You can check current flats and their prices in the catalogue: new flats in Warsaw and new flats in Wrocław.

What does the price of turnkey finishing depend on?

• Size and layout. A small area means a higher cost per m², because the bathroom and kitchen cost about the same regardless of the flat's size. Two bathrooms raise the quote more clearly than an extra room.
• Standard of materials. Moving from laminate to engineered wood or from catalogue tiles to large formats changes the price more than the labour itself.
• Changes to installations. Moving water points, extra circuits or suspended ceilings are usually surcharges. Some changes are easier to request from the developer while the building is still under construction — we describe this in the article on layout changes.
• Scope of the design. A visualisation of the bathroom alone versus a design of the whole flat is a difference of a few thousand zlotys — in higher packages the design of the whole is included.
• Date and city. Popular companies are booked for weeks, and Warsaw rates are on average higher than Wrocław ones.

8% or 23% VAT and what to watch for in the contract

The VAT Act provides an 8% rate for the renovation and modernisation of housing covered by the social housing programme — in practice for dwellings of up to 150 m² of usable area (Art. 41(12)–(12c)). With a turnkey package, materials built in by the contractor as part of the service are usually accounted for together with it. Materials that you buy yourself in a shop carry 23% VAT. Details and exceptions (e.g. furniture and appliances) are explained in the article 8% VAT on flat finishing (in Polish). In the offer, check whether the price per m² is net or gross.

A contract with a turnkey company is most often a contract for specific work (umowa o dzieło) or for construction works under the Civil Code. The contractor is liable for defects of the work done under the statutory warranty (rękojmia; Art. 638 of the Civil Code), and a guarantee is an additional, voluntary commitment by the company. Before you sign, make sure the contract contains:

• a detailed specification of materials (manufacturer, series, colour) and a list of works — without it a "Standard package" is an empty name;
• the start and end dates and contractual penalties for delay;
• a payment schedule tied to the acceptance of stages, not to the passing of time;
• the rules of final handover, a defect protocol and the deadline for remedying defects;
• the period and terms of the guarantee and how additional works are priced.

How to vet a contractor and what else to put in the contract is described in the article The finishing crew – how to choose a company and what to put in the contract (in Polish).

Frequently asked questions

Summary

Turnkey finishing is convenience and predictability at the price of a coordination margin. Indicatively you will pay PLN 1,200–2,000/m² net for a basic package and PLN 2,000–3,500/m² for the comprehensive variant, and you will most often add made-to-measure furniture and appliances separately. For a typical studio or 2-room flat from our offer this means a budget of the order of PLN 40–150k with VAT, usually 5–23% of the flat price. Compare offers by specification, not by package name, and check the deadline, penalties, handover and guarantee in the contract.

Planning a purchase and already thinking about finishing? We will help you choose a flat from a developer — including a ready one or one with a finishing package — so that the price and the finishing cost fit the budget. For the buyer most often without a commission: the fee is usually paid by the developer, and we have been on the market since 2016.

Legal status as of September 2026. Finishing prices are indicative ranges from company price lists (September 2026), and the calculations are illustrative and are not tax or legal advice.

Sources

• Act on goods and services tax (in Polish) – consolidated text Dz.U. 2025 item 775 (Art. 41(2), (12)–(12c)).
• Civil Code (in Polish) – consolidated text Dz.U. 2026 item 795 (Art. 627, 638, 647, 656).
• Indicative price ranges for turnkey finishing: public price lists of finishing companies from Warsaw and Wrocław, September 2026.
• Flat prices: TM Invest project catalogue, as of 27 September 2026.