The article presents a synthetic assessment of the diversity of the housing situation in Polish communes in the context of ongoing demographic changes. In addition, it presents an original method of typological research combining measures of the housing and demographic situation for all 2,477 communes in Poland as at the end of 2021. The scope of the study covered the years 2011–2021. The article identified that both functional urban areas and coastal municipalities have their own specificity in terms of housing and demographic situation, to a lesser extent this phenomenon affects mountain municipalities. It was also pointed out that the lack of a place-based policy in the National Housing Program makes it difficult to shape the national housing policy in a manner adapted to local and regional conditions.
The article discusses the financialisation of housing while examining its economic, social, and political determinants as well as the consequences of its development. The conceptual perspective is not limited to the macroeconomic mechanisms of the process. The impact of marketisation and, consequently, the financialisation of housing was analysed in detail using the city of Gdańsk as an example. The mechanisms of financialisation in the neoliberal market economy and its impact on housing markets were discussed, as well as the financialisation of households through their inclusion in financial operations was considered. Additionally, the phenomena of touristification, studentification, and the increasing number of vacant dwellings were analysed as processes that transform urban spaces, which have a close relationship with the financialisation of housing markets. The importance of legal regulations and active housing policy in counteracting the negative effects of financialisation was pointed out.