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Housing costs in Europe

Eurostat house price index (HPI) and HICP actual-rents index (both 2015=100) for all 27 member states, plus euro-area mortgage interest rates from the ECB. House prices are quarterly (latest 2026-Q2), rents monthly (2025-12), mortgage rates monthly (2026-08).

Data updated: 9 Oct 2026

House prices, euro area

7.1 % YoY

unweighted average across euro-area countries, 2026-Q2

Eurostat HPI, 2015=100

Rents, euro area

5.9 % YoY

unweighted average across euro-area countries, 2025-12

Eurostat HICP rentals, 2015=100

Mortgage rate, euro area

3.43 % p.a.

average new-business rate on house purchases, 2026-08

ECB MIR statistics

Austria: 5.1 % Belgium: 2.1 % Bulgaria: 15.5 % Cyprus: 7.9 % Czechia: 8.6 % Germany: 0.6 % Denmark: 9.4 % Estonia: 5.8 % Spain: 12.1 % Finland: -2.7 % France: -0.8 % Greece: no data Croatia: 12.7 % Hungary: 10.2 % Ireland: 6.0 % Italy: 4.0 % Lithuania: 14.3 % Luxembourg: -2.2 % Latvia: 11.4 % Malta: 6.9 % Netherlands: 4.3 % Poland: 6.3 % Portugal: 16.5 % Romania: 12.1 % Sweden: 4.8 % Slovenia: 9.1 % Slovakia: 13.6 %
-2.7 % 16.5 % low → high

Chart: housing costs compared

Same values as the table below. Switch metric to compare house-price change, rent change or mortgage rates.

All countries

Data updated: 9 Oct 2026

Country House price index HPI YoY % Rents YoY % Mortgage rate % Trend (house prices)
Austria 175.4 (2026-Q2) 5.1 4.1 3.61
Belgium 146.0 (2026-Q2) 2.1 4.0 3.70
Bulgaria 284.8 (2026-Q2) 15.5 11.7 2.42
Croatia 252.6 (2026-Q2) 12.7 34.6 2.91
Cyprus 159.1 (2026-Q2) 7.9 2.7 3.31
Czechia 263.9 (2026-Q2) 8.6 6.4 –
Denmark 165.6 (2026-Q2) 9.4 2.3 –
Estonia 236.7 (2026-Q2) 5.8 5.5 4.26
Finland 97.5 (2026-Q2) -2.7 0.2 3.24
France 125.5 (2026-Q2) -0.8 2.6 3.20
Germany 153.5 (2026-Q2) 0.6 2.3 4.01
Greece – – 8.4 3.30 –
Hungary 389.6 (2026-Q2) 10.2 5.7 –
Ireland 205.9 (2026-Q2) 6.0 3.3 3.45
Italy 121.0 (2026-Q2) 4.0 3.8 3.55
Latvia 233.5 (2026-Q2) 11.4 7.3 4.39
Lithuania 291.0 (2026-Q2) 14.3 12.0 4.16
Luxembourg 166.4 (2026-Q2) -2.2 1.3 3.59
Malta 183.9 (2026-Q2) 6.9 1.7 1.91
Netherlands 222.6 (2026-Q2) 4.3 4.9 3.94
Poland 229.2 (2026-Q2) 6.3 3.9 –
Portugal 301.4 (2026-Q2) 16.5 4.9 3.00
Romania 182.0 (2026-Q2) 12.1 8.6 –
Slovakia 225.9 (2026-Q2) 13.6 6.0 3.73
Slovenia 234.2 (2026-Q2) 9.1 0.4 3.22
Spain 200.6 (2026-Q2) 12.1 2.4 3.04
Sweden 139.3 (2026-Q2) 4.8 4.7 –

– = not available for this country: Greece has no HPI in our dataset, and ECB mortgage rates cover euro-area countries only. Indices are 2015=100.