Poles’ Desire for Home Ownership Remains Strong Despite Challenges
The dream of owning a home remains a powerful aspiration for Poles, despite soaring property prices and stringent mortgage conditions. According to the latest Business Growth Review report, an overwhelming 91% of respondents consider home ownership a better long-term option than renting. The reasons? A sense of security (80%) and a future-proof investment (72%).
However, achieving this dream is no small feat. A staggering 68% of respondents cited high property prices as the primary obstacle, reflecting a nationwide struggle to break into the housing market.
Nearly One-Third Still Living with Family
The findings reveal a telling snapshot of Poland’s housing landscape: 28% of Poles already own a home outright, while another 28% continue to live with family. Renting, although a more accessible option, is seen as less desirable for the long term, with only 4% favoring this approach. Interestingly, 34% of respondents admitted they might reconsider renting if it became more cost-effective.
Young Adults Caught in a Housing Trap
Young adults aged 25–45 are particularly vulnerable to the pressures of Poland’s real estate market. With just 9% feeling confident about their chances of purchasing a property, the barriers are steep. Among the main challenges are exorbitant prices (71%), a lack of savings for a down payment (59%), and difficulties securing a mortgage (33%).
This has left many in a state of limbo. The fact that nearly one-third of Poles still live with family underscores the systemic challenges young people face when trying to establish independent lives. “High prices and credit difficulties make it nearly impossible for young adults to start living on their own,” says Aleksandra Pańczyszyn, Editorial Director at Business Growth Review. “Systemic reforms are urgently needed to increase housing supply and help young people realize their dream of owning a home.”
Calls for Government Intervention
Poles are looking to the government for solutions. A substantial 69% of respondents advocate for measures such as increasing housing supply, introducing preferential mortgage terms, or subsidizing down payments. Without structural reforms, there is a growing fear that younger generations may face insurmountable obstacles in securing their own homes.
The housing crisis is not just an economic challenge—it is a social issue that touches on the fundamental human desire for stability and independence. For many Poles, owning a home remains the ultimate symbol of security and a future worth striving for. Addressing these challenges will require a concerted effort from policymakers, developers, and financial institutions alike. Until then, the dream of “M” will remain just that—a dream for too many.