Demographic factors next to economic, political and legal ones, are important elements determining the development of the housing market. The analysis of the age structure of the population and of the dynamics of change shows that the population of baby boomers in the age group that is actively entering the labor market and becoming independent is a stimulant for the development of the housing market. Individuals who are gaining economic independence generate new needs and, with appropriate

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... ncial resources, also future demand for their own accommodation. Deliberations regarding the housing market benefit noticeably from the analysis of home buyers' age structure, especially in the context of the family life cycle. This issue became the focus of our study, which aims to determine the age of apartment buyers on the local market during an economic downturn and state interventionism in the form of preferential mortgages. The analysis makes use of information from notarial acts (including the personal identity number PESEL - the year of birth of the purchaser) and statistical tools. The results of the study may support the decisions and direction of state aid aimed at meeting housing needs.