Cost & materials

Total (gross)

PLN 1,255,000

Cost per m²

PLN 10,458

Monthly payment

PLN 6,972

30 years · 6.75% fixed

Material	Qty	Amount
Timber frame wall elements	150 m²	PLN 91,500
Mineral wool insulation λ 0.035	504 m²	PLN 24,192
Triple-glazed windows Uw 0.8	22 m²	PLN 36,300
Larch façade cladding	132 m²	PLN 29,040
Standing-seam steel roof	162 m²	PLN 42,120
Insulated raft foundation (XPS 300)	120 m²	PLN 78,000
Air-to-water heat pump 8 kW	1 pcs	PLN 34,000
MVHR ventilation unit	1 pcs	PLN 16,000
PV system 6 kWp	1 set	PLN 26,000
External venetian blinds	9 pcs	PLN 13,950

Site & trade work — indicative

indicative

Friendly guideline prices from the Polish market, before VAT — a good starting point for your budget, not a quote. Once your architect has settled the design, ask 2–3 local contractors for a real offer.

Site preparation & groundworkExcavation, levelling, drainage and accessPLN 34,400

Excavation & levellingPLN 14,400
Drainage (perimeter and stormwater)PLN 11,000
Site access & driveway basePLN 9,000

Concrete works (beyond the slab)The foundation slab is already in its own line; this covers retaining walls, steps and terrace basePLN 24,000

Retaining wallsPLN 14,000
Entrance steps & terrace basePLN 10,000

Plumbing incl. materialsWater, drainage, underfloor heating and heat pump connectionPLN 43,200

Water supply & sewer (inside and to the boundary)PLN 22,000
Underfloor heating loops & manifoldsPLN 13,200
Heat pump hydraulic connectionPLN 8,000

Electrical works incl. materialsWiring, lighting, heat pump, ventilation and solar connectionsPLN 41,800

Wiring, switchgear & socketsPLN 22,800
Lighting fittingsPLN 6,000
Heat pump & ventilation power and controlsPLN 5,500
PV inverter, cabling & grid connectionPLN 7,500

Ventilation (installation)MVHR unit, ducts and fittingPLN 31,600

MVHR unitPLN 16,000
Ducts & fittingsPLN 9,600
Installation & commissioningPLN 6,000

Amounts shown before VAT — VAT is added in your total.

Financing

Own capitalPLN 180,000

Mortgage

PLN 1,075,000

Loan-to-cost

86%

Bank min. own capital

✓ ≥ 10% met

Possible public support

Indicative

Poland offers support schemes that can help when you build a home. Here is what is worth knowing about — as possibilities to explore, not money to count on in advance.

Please check before you rely on this. Support schemes change from year to year: rules, amounts and income limits are updated, and calls can open, close or run out of funds. The figures here are indicative. Always check the current terms on the official pages before counting on any of them.

Moje Ciepło — Heat pump in a new houseOfficial page: mojecieplo.gov.pl ↗
Up to PLN 7,000 (air-source) · up to PLN 21,000 (ground-source) · indicative
Energy-efficiency and other conditions apply to new buildings; one grant per building.
Mój Prąd — Home energy storage (and solar, depending on the call)Official page: mojprad.gov.pl ↗
Amount set by each call — earlier calls paid roughly PLN 5,000–16,000 for energy storage · indicative
Calls open and close; the current call may differ or be closed.
Rodzinny Kredyt Mieszkaniowy — Guarantee instead of own contributionOfficial page: bgk.pl ↗
Guarantee of up to PLN 100,000 · indicative
Household conditions and BGK price limits apply, and not every bank offers it — check whether building your own house qualifies.
Konto Mieszkaniowe — Savings for housing with a state premiumOfficial page: gov.pl ↗
Yearly state premium on your savings (rate set by law) · indicative
Monthly deposits are capped and the account runs for a limited period, through participating banks.
Mikroretencja — Rainwater harvesting in the gardenOfficial page: gov.pl ↗
Up to PLN 8,000 (max. 90% of eligible costs) · indicative
Applied for through your regional environmental fund (WFOŚiGW); funds are limited and awarded in order of application.

These amounts are not deducted from your estimate. The total above includes no support — they are shown as possible support only.