Polski
УкраїнськаHow much does a valuation report for a flat, house or plot of land cost? 2026
indekscen.pl editorial team · published 30 September 2026 · prices according to the 5 October 2026 index
In 2026, a valuation report for a flat most often costs PLN 900, with a typical range of PLN 735 ‑ 1,500, according to property valuers' price lists. A valuation of a detached house costs around PLN 1,400, and an undeveloped plot of land around PLN 925. The most expensive reports, for example for commercial properties, cost up to PLN 5,000.
At a glance (as at 5 October 2026)
- According to 4 price lists, a valuation report for a flat usually costs PLN 735 ‑ 1,500, with a median of PLN 900.
- A valuation report for a detached house costs around PLN 1,400, and for an undeveloped plot of land around PLN 925.
- The cheapest valuation report in our sources costs PLN 600, and the most expensive PLN 5,000.
- With the typical flat price in Poland at PLN 470,000, a valuation report costing PLN 900 represents a small part of the purchase costs.
- A valuation report is valid for 12 months from the date it is prepared, provided that the factors affecting the value do not change.
A valuation report is a document in which a property valuer determines the value of a property. You will usually need one for a mortgage, division of assets, inheritance, a gift or a dispute with an authority. The price depends primarily on what is being valued: a flat, house or plot of land, as well as the purpose of the valuation and the city. Below, we compare rates from property valuers’ public price lists, explain how long it takes and how long the report remains valid, and show when someone other than you pays for it.
How much does a valuation report for a flat cost?
A valuation report for a flat most often costs PLN 900, with a typical range of PLN 735 ‑ 1,500, according to 4 price lists collected by indekscen.pl. The price includes an inspection of the premises, an analysis of the local market and a written report with photographs, calculations and a validity clause.
A report accepted by a bank for a mortgage usually falls within the lower part of the range because, for a typical flat in a block, the valuer can compare it with many similar transactions. Unusual flats cost more to value: large apartments, premises in tenement buildings, flats with a garden or those held under a cooperative ownership right, where comparable transactions are harder to find. Details and quotations from price lists are available at property valuation report.
How much does a valuation report for a house or plot of land cost?
According to price lists, a valuation report for a detached house costs around PLN 1,400, and for an undeveloped plot of land around PLN 925. A house costs more to value than a flat because the valuer assesses the land and building separately, and the inspection takes longer.
| Property type | Cost of report (median) | What increases the price |
|---|---|---|
| Flat | PLN 900 | unusual premises, few comparable transactions |
| Detached house | PLN 1,400 | large plot, outbuildings, unfinished construction |
| Undeveloped plot of land | PLN 925 | no local development plan, unusual shape |
| Commercial property | up to PLN 5,000 | income analysis, multiple units |
For comparison, the median price of a building plot in Poland is 130 PLN/m², and that of a house is PLN 620,000. The cost of the report is small compared with these amounts, but in a dispute over value, for example when dividing an inheritance, it determines how much each party receives.
What determines the price of a valuation report?
The price of a valuation report depends primarily on the property type, purpose of the valuation, city and scope of the analysis. Prices in our sources range from PLN 600 for the cheapest offer to PLN 5,000 for the most expensive. The most important factors are:
- Property type. A flat is the cheapest, a house and plot of land cost more, and commercial premises are the most expensive.
- Purpose of the valuation. A report for a bank is usually simpler than one for court proceedings, division of assets or a dispute with an authority, where the valuer must provide more extensive justification for the result.
- Location. There are more valuers in large cities, but their rates may be higher. Outside the city, there is also the cost of travelling to the inspection.
- VAT. Some price lists quote net amounts, so compare offers using gross prices.
Valuation report for a mortgage: how much does it cost and who pays?
A valuation report for a flat for mortgage purposes usually costs PLN 735 ‑ 1,500, and the borrower almost always pays for it, even if the bank selects or appoints the valuer. Some banks charge a valuation fee as part of their own procedure, while others accept a report commissioned by the customer from a valuer on an approved list.
A few things worth asking the bank before commissioning a report:
- Whether the bank will accept a report from any valuer, or only from someone on its own list.
- Whether the bank commissions the valuation itself and how much it charges.
- Whether a report prepared for another bank, for example following an earlier refusal, can be reused.
- Whether a mortgage for building a house will require further valuations at different stages, as each one is a separate cost.
If you use an intermediary, a mortgage adviser will often know the banks’ requirements and suggest how to avoid paying twice. A one-off consultation costs around PLN 200. More information is available at mortgage adviser.
Who pays for a valuation report?
The person who commissions the valuation report pays for it: the buyer in the case of a mortgage, usually the seller in the case of a sale, and the relevant authority in the case of a betterment levy, planning levy or expropriation. In court proceedings, the court allocates the cost of an expert opinion between the parties according to the outcome of the case.
When dividing assets after a divorce or dealing with an inheritance, it is worth jointly commissioning one report and sharing its cost instead of ordering two competing valuations. This is cheaper and often shortens the dispute.
How long does a valuation report take?
A standard valuation report for a flat that is accepted by a bank is usually prepared within 2 to 4 working days of the inspection, according to one of our sources. A valuation of a house, plot of land or commercial property takes longer because the valuer must collect more documents and transaction data.
The process will be quicker if you prepare the following straight away:
- land and mortgage register number and proof of ownership (notarial deed, agreement with a housing cooperative);
- floor plan of the flat or house plans showing the floor area;
- extract from the land register and an extract from the local development plan for a plot of land;
- information about renovations, as the property’s condition affects its value.
How long is a valuation report valid?
A valuation report is valid for 12 months from the date it is prepared, provided that the legal circumstances or material features of the property have not changed during that time. After this period, the valuer may confirm that it remains current by adding a clause, which usually costs less than a new report.
Banks often have their own, shorter requirements for how recent a valuation must be. If several months pass between commissioning the report and submitting the mortgage application, ask the bank whether it will still accept the document.
Can a valuation report be challenged?
A valuation report can be challenged: in administrative matters by applying to have the report assessed by a professional organisation of property valuers, and in court by raising objections to the expert opinion and requesting a new one. An assessment of the report is subject to a fee and does not itself change the decision, but it can be a strong argument.
Before challenging a valuation, check which comparable transactions the valuer selected. Flat prices vary greatly between cities and districts. For example, the median price per metre in Warsaw is PLN 15,646/m², compared with PLN 11,543/m² in Poznań:
| Locality | Median per m² | Typical flat | Year on year | Transactions in 12 months |
|---|---|---|---|---|
| Warszawa | PLN 15,646 | PLN 755,797 | +6.6% | 28,162 |
| Kraków | PLN 14,926 | PLN 720,000 | +4.9% | 13,347 |
| Wrocław | PLN 12,777 | PLN 648,000 | +4.7% | 12,084 |
| Poznań | PLN 11,543 | PLN 560,000 | +2.4% | 8,601 |
| Poland | PLN 9,270 | PLN 470,000 | +1.4% | 234,667 |
Transaction prices from notarial deeds (Property Price Register), 12 months to March 2026.
We have compiled current transaction prices in the largest cities in the article flat prices in the largest cities, with city-specific details on the Warsaw and Kraków pages.
What other documents and fees are involved when selling a flat?
In addition to a valuation report, selling a flat requires an energy performance certificate, which costs around PLN 250, as well as payment of a notary’s fee for the deed. Here is a comparison of these items:
| Service | Median | Typically | Sources |
|---|---|---|---|
| Property valuation report | PLN 900 | PLN 735 ‑ 1,500 | 4 |
| Energy performance certificate | PLN 250 | PLN 200 ‑ 330 | 5 |
| Building surveyor (building expert report) | PLN 2,250 | PLN 2,000 ‑ 2,750 | 5 |
| Notary for the purchase/sale of a plot of land | PLN 1,000 | PLN 1,000 | 3 |
| Opening a land and mortgage register | PLN 100 | PLN 100 | 4 |
Median and typical range from public price lists, as at 5 October 2026. Each price includes a source and quotation on the service page.
You can read more about the certificate in the article energy performance certificate for a flat in a block, and about notary’s fees in how much does a notary cost. If you are buying an older house, also consider a condition assessment: building surveyor (building expert report) usually costs PLN 2,000 ‑ 2,750. All services related to buying and selling property are listed in the property category.
„600–900 zł za operat szacunkowy akceptowany przez bank.”
zleca.pl, 2026, source
„699 zł. Brutto z VAT. Mieszkanie.”
audytomat.com, source
„Cena zależy od rodzaju nieruchomości i zakresu analizy, zazwyczaj wynosi od 600 do 5 000 zł.”
biuroekspertyz.com.pl, source
„operat mieszkania kosztuje od około 700 do 1400 zł”
nskup.pl, 2026-09, source
The prices in this article come from property valuers’ public price lists and trade publications. Each price is accompanied by its source, date and a verbatim quotation on the service page, and we update the medians together with the index (as at 5 October 2026).
Frequently asked questions
How much does an hour of a property valuer's work cost?
Rzeczoznawcy majątkowi rzadko liczą za godzinę: wyceniają cały operat, zwykle PLN 735 ‑ 1,500 za mieszkanie. Stawek godzinowych nie mamy w indeksie.
Can a valuation report be prepared online?
Zamówienie i płatność często odbywają się online, ale rzetelny operat wymaga oględzin nieruchomości, które są w cenie usługi. Operat mieszkania kosztuje według cenników około PLN 900.
Does the price of a valuation report include VAT?
Nie zawsze: część cenników podaje kwoty netto, do których rzeczoznawca dolicza VAT. Porównując oferty z przedziału PLN 735 ‑ 1,500, pytaj o cenę brutto.
What is the difference between a valuation report and an expert opinion from a building surveyor?
Operat szacunkowy określa wartość rynkową nieruchomości, a ekspertyza budowlana ocenia jej stan techniczny. Ekspertyza jest droższa: mediana PLN 2,250.
How much does a valuation report for a betterment levy cost?
Operat do ustalenia opłaty adiacenckiej zleca i opłaca gmina, a nie właściciel. Właściciel płaci za własny operat tylko wtedy, gdy chce przedstawić kontrargumenty; kosztuje on podobnie jak zwykła wycena, typowo PLN 735 ‑ 1,500.
Check prices with sources
Every amount quoted in the article has a source, date and verbatim quote from the price list on the service page.
Translation of the original Polish article dated 30 September 2026. Quotations from price lists are in Polish, as published by the companies. Read the original in Polish.
Found an error? Report it. Do you provide these services? Add your company's price list free of charge.
