Property abroad for 300, 500, 800 thousand PLN

Most people in Poland think about a purchase abroad in zloty, while prices are quoted in euro, dollars or dirhams. This page translates a zloty budget into euro and into a rough number of square metres. It is an orientation, not an offer: it does not say that a property at this price is available, and the real choice depends on the building, the street and the date.

The exchange rate used here

We use 4.31 PLN per euro. This is the NBP average rate reported for 3 August 2026 (4.3128), and a late-July 2026 rate was about 4.32; we could not retrieve a later official rate while writing in October 2026. The rate moves every day, so check the current table on the NBP website before you decide. A 5% move in the rate changes a 500,000 PLN budget by about 5,800 euro. Dollar-priced markets (Georgia, parts of Dubai) add a second currency risk.

• 100,000 PLN is about 23,200 euro.
• 200,000 PLN is about 46,400 euro.
• 300,000 PLN is about 69,600 euro.
• 500,000 PLN is about 116,000 euro.
• 800,000 PLN is about 185,600 euro.

Take costs off first

The purchase price is not the whole budget. Buying costs depend on the country, on whether the property is new or a resale, and on whether you use an agent and a lawyer. From our country guides, as reported by market sources and not as an official tariff:

• Bulgaria: roughly 4% to 8% (local transfer tax 1.3% to 3%, notary, registry, agent).
• Montenegro: roughly 5% to 8% on a resale, less on a new build bought from the developer.
• Greece: usually quoted at 7% to 10%, planning on 7% to 12%.
• Spain: roughly 10% to 13%, more in high-tax regions.
• Portugal: about 10% in a worked example (transfer tax, stamp duty, notary, lawyer).
• Cyprus: depends on VAT (19% on new, 5% in strict cases) or transfer fees (3% to 8%, halved in some cases), plus legal fees of about 1%.
• Georgia: roughly 1% to 1.5% for registration, notary and legal costs.
• Turkey: 4% title-deed tax on the declared value, often paid by the buyer, plus valuation, insurance and translation.
• Dubai: a 4% Land Department fee on the price plus smaller fees and an agent's commission where payable.

Use a planning range of 5% to 15% on top of the price, with the lower end for Georgia, Bulgaria and Dubai and the upper end for Spain, Portugal and Greece, and always get a written estimate. In this article we assume about 10%: a budget of 300,000 PLN then leaves roughly 63,000 euro for the price, 500,000 PLN about 105,000 euro and 800,000 PLN about 169,000 euro. These are round illustrations. Add furnishing, annual taxes and service charges; see total cost of ownership abroad.

What the price per square metre looks like

The figures are drawn from our own country guides, which say where each number comes from. They are averages or asking prices for a city or region, not a quote for a specific flat; see property prices per m² by country for the definitions.

• Bulgaria: Sofia about 2,680 euro per m²; resort apartments in Sunny Beach, Nessebar and Sveti Vlas reported at 1,200 to 2,000.
• Montenegro: official new-build average about 2,557 euro per m², about 2,838 on the coast; Tivat and Budva asking prices are higher.
• Cyprus: Larnaca about 2,000 to 3,900, Paphos about 2,800 to 4,500, Nicosia about 1,700 to 2,700.
• Spain: used homes about 2,823 on average, Alicante about 2,909, Malaga about 3,784.
• Portugal: national median about 2,076, the Algarve about 3,139, Lisbon about 4,875.
• Georgia: new-build averages about 1,300 to 1,450 US dollars per m² in Tbilisi and Batumi.
• Turkey: Istanbul citywide about 1,100 to 1,200 euro per m² (January 2026 data).
• Dubai: average about 4,400 euro per m², Jumeirah Village Circle about 2,350 to 3,400.
• Greece: our guide has no per-m² headline, only the trend (about 5.3% growth in the year to Q2 2026), so we do not give square metres. Ask for recent closed sales.

What it means in square metres: rough arithmetic

Square metres = the price budget in euro divided by price per m². These results are our arithmetic on averages, rounded, and an illustration, not what you will find.

With about 63,000 euro (300,000 PLN in total): - Bulgaria resort 1,200 to 2,000: roughly 30 to 50 m². Sofia: about 24 m². - Montenegro: about 25 m². Cyprus Larnaca: about 16 to 32 m²; Paphos: about 14 to 23 m². - Spain: about 22 m². Portugal: about 30 m² nationally and about 20 m² in the Algarve. - Georgia: very roughly 45 to 60 m², depending on the dollar rate. Istanbul: about 53 to 57 m². - Dubai: about 14 m² at the average and about 19 to 27 m² in Jumeirah Village Circle.

With about 105,000 euro (500,000 PLN): - Bulgaria resort: roughly 50 to 90 m². Sofia: about 39 m². Montenegro: about 41 m². - Larnaca: about 27 to 53 m²; Paphos: about 23 to 38 m². - Spain: about 37 m². Portugal: about 51 m² nationally, about 33 m² in the Algarve. - Georgia: very roughly 75 to 100 m². Istanbul: about 88 to 95 m². - Dubai: about 24 m² at the average, about 31 to 45 m² in Jumeirah Village Circle.

With about 169,000 euro (800,000 PLN): - Bulgaria resort: roughly 85 to 140 m². Sofia: about 63 m². Montenegro: about 66 m². - Larnaca: about 43 to 85 m²; Paphos: about 38 to 60 m². - Spain: about 60 m²; Malaga about 45 m². Portugal: about 81 m² nationally, about 54 m² in the Algarve, about 35 m² in Lisbon. - Georgia: very roughly 120 to 160 m². Istanbul: about 140 to 150 m². - Dubai: about 38 m² at the average, about 50 to 72 m² in Jumeirah Village Circle.

What 100 and 200 thousand PLN mean

100,000 PLN (about 23,000 euro) is a deposit for most countries on the list, not a purchase, and 200,000 PLN (about 46,000 euro) is the entry level of a small flat in the cheapest markets only. At this level the offers are often old stock far from the centre, with high service charges or repair needs; a very low price is a reason to ask why, not to hurry. Our guides do not support a promise of a property at that price in any one country. Some buyers combine savings with a developer's payment plan or a mortgage in the country of purchase; see mortgage in your own country against property abroad.

What affects the real price

• New build or resale, and the VAT treatment.
• Distance from the sea, the airport and the city centre.
• Season: resort asking prices in July are not the prices in March.
• Furnished or not, and whether the price includes parking.
• The currency: a dollar price in Georgia and Dubai moves with the dollar.

FAQ

Does 300,000 PLN buy a flat abroad? In some markets, a small one, on the arithmetic above. Whether one is available in a good building at that price is a question for a current search, not this page. Which country gives the most square metres? On the figures above Georgia and Istanbul give more per euro, but they carry currency, ownership and rental risks that differ; do not choose by price alone. Is a cheaper price a better deal? No. Rent, costs and the ease of selling decide that; see rental yield by country. How do I convert at the best rate? Compare your bank with a licensed currency provider and see sending money abroad for a property purchase from Poland. Do I report the purchase in Poland? It may have Polish tax and reporting consequences; ask a Polish adviser.

How we help

We are a trilingual platform (Russian, English, Polish) that shortlists properties to a budget and coordinates independent local lawyers and tax advisers. We do not promise availability at any price. This text is informational and not legal, tax or investment advice; exchange rates, prices and costs change, so verify them before you act.