{"data":{"asOf":"2026-09-30","id":"finwire_average_pole","name":"Przeciętny Polak finwire","methodVersion":1,"measures":{"median":"median","mean":"arithmetic mean","model":"finwire.pl model (annuity payment)","distribution":"distribution in classes","mode":"most frequent value"},"traits":[{"id":"age","value":43.4,"unit":"years","measure":"median","period":"2025","periodKind":"year","flag":"ep","source":{"label":"Eurostat, struktura ludności (demo_pjanind)","url":"https://ec.europa.eu/eurostat/databrowser/view/demo_pjanind/default/table"},"history":[{"period":"1960","value":26.4},{"period":"1965","value":27.5},{"period":"1970","value":28.3},{"period":"1975","value":28.2},{"period":"1980","value":29.4},{"period":"1985","value":30.7},{"period":"1990","value":32.2},{"period":"1991","value":32.5},{"period":"1992","value":32.8},{"period":"1993","value":33.1},{"period":"1994","value":33.4},{"period":"1995","value":33.7},{"period":"1996","value":34},{"period":"1997","value":34.3},{"period":"1998","value":34.6},{"period":"1999","value":34.8},{"period":"2000","value":35.1},{"period":"2001","value":35.4},{"period":"2002","value":35.7},{"period":"2003","value":35.9},{"period":"2004","value":36.2},{"period":"2005","value":36.5},{"period":"2006","value":36.7},{"period":"2007","value":37},{"period":"2008","value":37.3},{"period":"2009","value":37.5},{"period":"2010","value":37.9},{"period":"2011","value":38.2},{"period":"2012","value":38.5},{"period":"2013","value":38.8},{"period":"2014","value":39.2},{"period":"2015","value":39.6},{"period":"2016","value":39.9},{"period":"2017","value":40.3},{"period":"2018","value":40.6},{"period":"2019","value":41},{"period":"2020","value":41.3},{"period":"2021","value":41.9},{"period":"2022","value":42.2},{"period":"2023","value":42.6},{"period":"2024","value":43},{"period":"2025","value":43.4}]},{"id":"wage","value":7695,"unit":"pln","measure":"median","period":"2026-04","periodKind":"month","flag":null,"source":{"label":"GUS, Rozkład wynagrodzeń w gospodarce narodowej w kwietniu 2026 r.","url":"https://stat.gov.pl/obszary-tematyczne/rynek-pracy/pracujacy-zatrudnieni-wynagrodzenia-koszty-pracy/rozklad-wynagrodzen-w-gospodarce-narodowej-w-kwietniu-2026-r-,32,28.html"},"netPln":5575.41,"netTaxYear":2026,"distributionPeriod":"2026-04","percentiles":[{"p":10,"grossPln":4806},{"p":20,"grossPln":5363.6},{"p":30,"grossPln":6115.67},{"p":40,"grossPln":6872.4},{"p":50,"grossPln":7695},{"p":60,"grossPln":8681.8},{"p":70,"grossPln":9812.85},{"p":80,"grossPln":11508.07},{"p":90,"grossPln":14926}]},{"id":"flat","value":8536,"unit":"pln_m2","measure":"median","period":"2026-Q2","periodKind":"quarter","flag":"preliminary","source":{"label":"GUS, ceny lokali mieszkalnych (Dziedzinowa Baza Wiedzy)","url":"https://dbw.stat.gov.pl/"}},{"id":"mortgage","value":486500,"unit":"pln","measure":"mean","period":"2026-09","periodKind":"month","flag":null,"source":{"label":"Biuro Informacji Kredytowej (BIK), komunikaty prasowe","url":"https://media.bik.pl/informacje-prasowe"}},{"id":"payment","value":3119.67,"unit":"pln","measure":"model","period":"2026-09","periodKind":"month","flag":null,"source":{"label":"NBP, oprocentowanie nowych kredytów mieszkaniowych (baza EBC)","url":"https://data.ecb.europa.eu/data/datasets/MIR/MIR.M.PL.B.A2C.A.R.A.2250.PLN.N"},"loanAmountPln":486500,"loanAmountPeriod":"2026-09","interestRatePct":5.95,"interestRatePeriod":"2026-09","termYears":25},{"id":"pension","value":4525.41,"unit":"pln","measure":"mean","period":"2026-09","periodKind":"month","flag":null,"source":{"label":"ZUS, Miesięczna informacja o wybranych świadczeniach pieniężnych","url":"https://www.zus.pl/baza-wiedzy/statystyka/miesieczna-informacja-o-wybranych-swiadczeniach-pienieznych"}},{"id":"spending","value":1910.16,"unit":"pln","measure":"mean","period":"2025","periodKind":"year","flag":null,"source":{"label":"GUS, budżety gospodarstw domowych (Dziedzinowa Baza Wiedzy)","url":"https://dbw.stat.gov.pl/"},"divisions":[{"division":1,"label":"Żywność i napoje bezalkoholowe","pln":506.78},{"division":4,"label":"Mieszkanie i energia","pln":391.04},{"division":7,"label":"Transport","pln":196.55},{"division":9,"label":"Rekreacja i kultura","pln":145.35},{"division":12,"label":"Pozostałe towary i usługi","pln":125.51},{"division":6,"label":"Zdrowie","pln":120.12},{"division":11,"label":"Restauracje i hotele","pln":107.6},{"division":5,"label":"Wyposażenie mieszkania","pln":99.94},{"division":8,"label":"Łączność","pln":76.12},{"division":3,"label":"Odzież i obuwie","pln":72.46},{"division":2,"label":"Alkohol i wyroby tytoniowe","pln":48.95},{"division":10,"label":"Edukacja","pln":19.74}]},{"id":"car","value":75.8,"unit":"percent","measure":"distribution","period":"2024","periodKind":"year","flag":"b","source":{"label":"Eurostat, samochody osobowe według wieku (road_eqs_carage)","url":"https://ec.europa.eu/eurostat/databrowser/view/road_eqs_carage/default/table"},"medianClass":"Y10-20","totalCars":22951213,"classes":[{"code":"Y_LT2","label":"do 2 lat","count":1098084,"sharePct":4.8},{"code":"Y2-5","label":"2-5 lat","count":1399645,"sharePct":6.1},{"code":"Y5-10","label":"5-10 lat","count":3060709,"sharePct":13.3},{"code":"Y10-20","label":"10-20 lat","count":9328756,"sharePct":40.6},{"code":"Y_GT20","label":"ponad 20 lat","count":8064019,"sharePct":35.1}]},{"id":"brand","value":115862,"unit":"count","measure":"mode","period":"2026-09","periodKind":"months12","flag":null,"source":{"label":"Ministerstwo Cyfryzacji, pierwsze rejestracje według marek (dane.gov.pl)","url":"https://dane.gov.pl/"},"brand":"VOLKSWAGEN","sharePct":8.5,"fromPeriod":"2025-10","runnerUp":{"brand":"TOYOTA","count":106120,"sharePct":7.8}}]},"meta":{"datasetId":"average-pole","source":"Eurostat; GUS; BIK; NBP; ZUS; Ministerstwo Cyfryzacji (CEPiK); compiled by finwire.pl","sourceUrl":"https://finwire.pl/przecietny-polak","license":"Public data of the listed institutions - attribution required (Eurostat reuse with source acknowledgement); finwire.pl compilation and model payment CC BY 4.0.","asOf":"2026-09-30","fetchedAt":"2026-11-07T01:56:15.070Z","citation":"Source: finwire.pl (Eurostat; GUS; BIK; NBP; ZUS; Ministerstwo Cyfryzacji (CEPiK); compiled by finwire.pl), https://public-api.finwire.pl/datasets/average-pole","docsUrl":"https://public-api.finwire.pl/datasets/average-pole"}}