High Investor Confidence & Strong Capital Markets The WIG stock index rose this year by 27–29% to in August 2025, among the top global performers. For comparison, The FTSE 100 (UK’s benchmark) is up about 9% YTD. 

Other observations

A. Powerful Economic Engine Fueled by EU Investment

Poland is a top recipient and beneficiary of EU funds, providing a massive, sustained boost to its infrastructure and economy. The government is channeling PLN 650 billion (~USD 160 billion) into strategic investments in 2025 alone, focusing on green energy, IT, transport, and defense. This unprecedented investment fuels job creation, economic growth, and consequently, sustained demand for both residential and commercial property.

B. Massive and Sustained Structural Housing Deficit

Fundamental demographic trends point to a long-term supply shortage, creating a robust foundation for the housing market.

• A Generation Ready to Move Out: Over 50% of young Poles live with their parents—significantly higher than the EU average of 30%. As Poland's economy converges with Western Europe, this pent-up demand is expected to drive a surge in new household formation.

• Room for Growth: The number of rooms per capita remains low compared to Western Europe. Continued economic development and rising wages will inevitably increase the desire for more and better living space.

C. Strong Rental Demand with Imminent Capital Appreciation

• A Robust Rental Market: With the central bank reference rate at 5%, mortgages are currently expensive, strengthening the rental market as many are priced out of buying. This creates excellent conditions for investors to secure strong rental yields.

• Future Capital Appreciation: When interest rates eventually decrease, a wave of pent-up buyer demand is expected to enter the market, significantly boosting property values. Investing now positions you to benefit from both current strong rentals and future capital growth.

D. Unique Demographic Stability & Security

Poland's population growth is bolstered by migration, which comes primarily from culturally similar regions such as Ukraine and other Eastern European countries. This model ensures a strong alignment of values and ease of integration. It is worth noting that, unlike many Western European nations, Poland has not been a destination for large-scale migration from the Middle East or Africa; as a result, it maintains one of the smallest Muslim populations in Europe at approximately 0.1%–0.2%. For investors, this translates into a remarkably stable and secure social environment, minimizing cultural friction and making it a consistently appealing destination for tenants and businesses alike.

E. Record-Breaking Tourism Creating Hospitality Opportunities

Poland is breaking tourism records, becoming an increasingly popular European destination.

• Record-Breaking Growth: In 2024, 38.8 million tourists were accommodated in Poland, a 7.2% increase from 2023. This trend continued into 2025 with a notable rise in foreign visitors.

• A Lasting Trend: As travelers seek alternatives to over-toured destinations in Southern Europe, Poland's rich history, improving infrastructure, and value for money position it for sustained growth. This creates a compelling opportunity for investments in short-term rentals and tourist accommodation.