{"id":384,"date":"2026-01-26T17:56:39","date_gmt":"2026-01-26T14:56:39","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=384"},"modified":"2026-01-26T17:56:41","modified_gmt":"2026-01-26T14:56:41","slug":"kvartira-pod-arendu-v-polshe-chto-vazhno-znat-inostranczu","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/kvartira-pod-arendu-v-polshe-chto-vazhno-znat-inostranczu\/","title":{"rendered":"Renting an Apartment in Poland: What a Foreigner Needs to Know"},"content":{"rendered":"<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buying an apartment<\/a> Rental properties in Poland remain one of the most popular investment options among foreigners. A stable economy, high demand for housing, and clear regulations attract investors from around the world.<\/p>\n\n\n\n<p>But in practice, renting real estate is <strong>Not just numbers in Excel<\/strong>, but a real business with its own risks, expenses and nuances that are important to know about <strong>before purchase<\/strong>, not after.<\/p>\n\n\n\n<p>In this article we will discuss:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can a foreigner buy an apartment for rent in Poland?,<\/li>\n\n\n\n<li>what taxes will you have to pay,<\/li>\n\n\n\n<li>How much do management companies charge?,<\/li>\n\n\n\n<li>what real return can be expected,<\/li>\n\n\n\n<li>and why rent isn&#039;t always passive income.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Can a foreigner buy an apartment for rent in Poland?<\/h2>\n\n\n\n<p>In most cases - <strong>Yes<\/strong>.<\/p>\n\n\n\n<p>A foreigner can buy an apartment for rent. <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/razreshenie-na-pokupku-nedvizhimosti\/\" data-type=\"page\" data-id=\"20\">without permission<\/a><\/strong>, If:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>this is an apartment in an apartment building,<\/li>\n\n\n\n<li>object <strong>is not located in the border zone<\/strong>,<\/li>\n\n\n\n<li>to the apartment <strong>does not include a share in a land plot or road<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc Important:<br>if it relates to the apartment <strong>udzia\u0142 w gruncie<\/strong> or <strong>udzia\u0142 w drodze<\/strong>, you may need permission to purchase land, even if the apartment itself has no restrictions.<br>Such nuances are necessary <strong>Be sure to check the documents and contracts with the developer<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Long-term or short-term rental<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83c\udfe1 Long-term rental (umowa najmu)<\/h3>\n\n\n\n<p>Suitable for those who want:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stable income,<\/li>\n\n\n\n<li>less participation,<\/li>\n\n\n\n<li>predictability.<\/li>\n<\/ul>\n\n\n\n<p>As a rule:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pays utility bills <strong>tenant<\/strong>,<\/li>\n\n\n\n<li>income is lower but more stable,<\/li>\n\n\n\n<li>less wear and tear on the apartment.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83e\uddf3 Short-term rentals (Airbnb, Booking)<\/h3>\n\n\n\n<p>Potentially a more profitable option, but:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>strong dependence on the season,<\/li>\n\n\n\n<li>more wear and tear on the apartment,<\/li>\n\n\n\n<li>possible restrictions from wsp\u00f3lnota mieszkaniowa,<\/li>\n\n\n\n<li>management is almost always required.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Taxes on rental income in Poland<\/h2>\n\n\n\n<p>For private rent, foreigners most often choose <strong>rycza\u0142t<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>8,5%<\/strong> \u2014 from income up to <strong>100,000 PLN per year<\/strong><\/li>\n\n\n\n<li><strong>12,5%<\/strong> \u2014 from amounts over PLN 100,000<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc Important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tax is paid <strong>from income<\/strong>, and not from profit,<\/li>\n\n\n\n<li>expenses (repairs, furniture, maintenance) <strong>are not deductible<\/strong>,<\/li>\n\n\n\n<li>The tax is mandatory for both long-term and short-term rentals.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Management companies: how much do they cost?<\/h2>\n\n\n\n<p>If you don&#039;t live in Poland or don&#039;t want to handle the rental yourself, you can entrust your apartment to management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Approximate rates:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>long-term lease<\/strong>: <strong>8\u201312%<\/strong> from the rent<\/li>\n\n\n\n<li><strong>short-term rental<\/strong>: <strong>12\u201320%<\/strong>, sometimes more<\/li>\n<\/ul>\n\n\n\n<p>Services typically include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>search for tenants,<\/li>\n\n\n\n<li>payment control,<\/li>\n\n\n\n<li>communication,<\/li>\n\n\n\n<li>minor repairs,<\/li>\n\n\n\n<li>cleaning (for short-term rentals).<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc The less your participation, the <strong>lower net income<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real Return on Investment (ROI) Example - Warsaw<\/h2>\n\n\n\n<p>Let&#039;s look at a typical investment apartment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2 rooms, 45\u201350 m\u00b2<\/li>\n\n\n\n<li>Wola \/ Mokot\u00f3w district<\/li>\n\n\n\n<li>purchase price: <strong>900,000 PLN<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83c\udfe1 Long-term rental<\/h3>\n\n\n\n<p>Average rent: <strong>3,500\u20134,000 PLN \/ month<\/strong><\/p>\n\n\n\n<p><strong>Calculation example (3,800 PLN):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Annual income: <strong>45,600 PLN<\/strong><\/li>\n\n\n\n<li>Tax 8.5%: <strong>\u2248 3,876 PLN<\/strong><\/li>\n\n\n\n<li>Management company (10%): <strong>\u2248 4,560 PLN<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 <strong>Net income:<\/strong><br>\u2248 <strong>37,000 PLN \/ year<\/strong><\/p>\n\n\n\n<p>\ud83d\udcc8 <strong>ROI:<\/strong> ~ <strong>4\u20135% per annum<\/strong><\/p>\n\n\n\n<p>\ud83d\udccc With independent management, the profitability may be slightly higher.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83e\uddf3 Short-term rentals<\/h3>\n\n\n\n<p>Average income: <strong>5,000\u20137,000 PLN \/ month<\/strong><\/p>\n\n\n\n<p><strong>Calculation example (6,000 PLN):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Annual income: <strong>72,000 PLN<\/strong><\/li>\n\n\n\n<li>Control (15%): <strong>\u2248 10,800 PLN<\/strong><\/li>\n\n\n\n<li>Tax 8.5%: <strong>\u2248 6,100 PLN<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 <strong>Net income:<\/strong><br>\u2248 <strong>55,000 PLN \/ year<\/strong><\/p>\n\n\n\n<p>\ud83d\udcc8 <strong>ROI:<\/strong> ~ <strong>6\u20137% per annum<\/strong><\/p>\n\n\n\n<p>\ud83d\udccc The income is higher, but the risks are also greater.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Important point: rent is not always passive income<\/h2>\n\n\n\n<p>On my own behalf, I would like to add an important thought that is often forgotten.<\/p>\n\n\n\n<p>All calculations above are made with the assumption that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tenant <strong>pays on time<\/strong>,<\/li>\n\n\n\n<li><strong>there are no empty months<\/strong>,<\/li>\n\n\n\n<li>the apartment is not empty between tenants.<\/li>\n<\/ul>\n\n\n\n<p>In practice, this is not always the case.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udee0 Repairs and wear and tear<\/h3>\n\n\n\n<p>It is necessary to take into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>cosmetic repairs<\/strong> every <strong>2\u20133 years<\/strong>,<\/li>\n\n\n\n<li><strong>more serious repairs<\/strong> \u2014 once a <strong>5\u20138 years<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>If you don&#039;t do this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the apartment is getting outdated,<\/li>\n\n\n\n<li>loses its attractiveness,<\/li>\n\n\n\n<li>starts to be rented out below market price.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u26a0\ufe0f Risk of unscrupulous tenants<\/h3>\n\n\n\n<p>There are situations when:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the tenant hasn&#039;t paid for several months,<\/li>\n\n\n\n<li>eviction takes time,<\/li>\n\n\n\n<li>The apartment is returned in poor condition.<\/li>\n<\/ul>\n\n\n\n<p>In such cases <strong>profitability is falling sharply<\/strong>, and sometimes rent temporarily becomes unprofitable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udc68\u200d\ud83d\udcbc Management = fewer problems, but lower income<\/h3>\n\n\n\n<p>Yes, the management company:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reduces stress,<\/li>\n\n\n\n<li>solves everyday issues,<\/li>\n\n\n\n<li>takes on repairs and the search for tenants.<\/li>\n<\/ul>\n\n\n\n<p>But it is important to understand:<br><strong>The less headaches you have, the lower your net income.<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom Line: Should a Foreigner Invest in Rental Property in Poland?<\/h2>\n\n\n\n<p>Renting a property in Poland can be a good investment,<br>But <strong>This is not a \u201cguaranteed passive income\u201d<\/strong>.<\/p>\n\n\n\n<p>Before purchasing, it is important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>soberly assess the profitability,<\/li>\n\n\n\n<li>take into account repairs and downtime,<\/li>\n\n\n\n<li>understand the legal nuances,<\/li>\n\n\n\n<li>be prepared to take risks.<\/li>\n<\/ul>\n\n\n\n<p>If you are looking for <strong>completely passive income without participation<\/strong>,<br>I would advise <strong>think twice<\/strong> and calculate everything well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consultation and support<\/h2>\n\n\n\n<p>I help foreigners:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>assess the real profitability of the property,<\/li>\n\n\n\n<li>check the documents and form of ownership,<\/li>\n\n\n\n<li>understand whether permission is needed,<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Safely buy an apartment for rent in Poland.<\/a><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 If you are planning an investment and want to avoid costly mistakes -<a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\"> <strong>please contact us for a consultation<\/strong><\/a>, we will analyze your situation individually.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Buying a rental apartment in Poland remains one of the most popular investment options among foreigners. The stable economy and high demand for<\/p>","protected":false},"author":1,"featured_media":385,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-o-nedvizhimosti"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=384"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/384\/revisions"}],"predecessor-version":[{"id":386,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/384\/revisions\/386"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/385"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}