Home ownership rate in Europe by country
Home ownership rate across Europe (periods shown: 2020 · 2024 · 2025) ranges from 93.8% (Slovakia) down to 42.0% (Switzerland), against a euro-area average of 65.1%.
The home ownership rate is the share of the population living in households that own their home, with or without a mortgage or loan still to repay. The rest live as tenants, paying a market rent or a reduced rent, or living rent-free. It comes from the EU-SILC household survey and is published once a year.
| 12-mo trend | ||||
|---|---|---|---|---|
| 🇸🇰Slovakia | 93.8%2025 | ▲ 0.7 | ▲ 1.5 | ▲ |
| 🇷🇴Romania | 93.2%2025 | ▼ 1.1 | ▼ 2.9 | ▼ |
| ðŸ‡ðŸ‡·Croatia | 91.4%2025 | â–² 0.4 | â–² 0.1 | â–² |
| ðŸ‡ðŸ‡ºHungary | 89.8%2025 | â–¼ 1.8 | â–¼ 1.6 | â–¼ |
| 🇵🇱Poland | 87.2%2025 | ▲ 0.1 | ▲ 1.6 | ▲ |
| 🇱🇹Lithuania | 86.5%2025 | ▼ 0.9 | ▼ 2.1 | ▼ |
| 🇧🇬Bulgaria | 86.1%2025 | ▲ 0.1 | ▲ 1.8 | ▲ |
| 🇱🇻Latvia | 82.2%2025 | ▼ 1.5 | ▲ 1.0 | ▲ |
| 🇮🇸Iceland | 81.7%2020 | ▲ 0.6 | ▲ 3.9 | ▲ |
| 🇳🇴Norway | 80.0%2025 | ▲ 1.2 | ▼ 0.8 | ▼ |
| 🇪🇪Estonia | 79.7%2025 | ▲ 0.4 | ▼ 1.7 | ▼ |
| 🇮🇹Italy | 77.1%2025 | ▲ 1.2 | ▲ 2.0 | ▲ |
| 🇨🇿Czechia | 75.1%2025 | ▲ 0.4 | ▼ 3.8 | ▼ |
| 🇸🇮Slovenia | 74.2%2025 | ▼ 0.6 | ▼ 0.4 | ▼ |
| 🇪🇸Spain | 73.6%2025 | ▼ 0.1 | ▼ 1.5 | ▼ |
| 🇵🇹Portugal | 71.2%2025 | ▼ 2.2 | ▼ 6.1 | ▼ |
| 🇧🇪Belgium | 70.9%2025 | ▲ 0.6 | ▼ 0.2 | ▼ |
| 🇮🇪Ireland | 70.9%2025 | ▲ 1.6 | ▲ 1.3 | ▲ |
| 🇲🇹Malta | 70.9%2025 | ▲ 1.3 | ▼ 11.0 | ▼ |
| 🇬🇷Greece | 69.4%2025 | ▼ 0.3 | ▼ 4.5 | ▼ |
| 🇨🇾Cyprus | 69.2%2025 | ▼ 0.2 | ▼ 1.7 | ▼ |
| 🇳🇱Netherlands | 68.8%2025 | 0.0 | ▼ 0.3 | ▼ |
| 🇫🇮Finland | 66.9%2025 | ▼ 1.2 | ▼ 3.8 | ▼ |
| 🇸🇪Sweden | 64.6%2025 | ▼ 0.2 | ▲ 0.1 | ▲ |
| 🇱🇺Luxembourg | 64.1%2025 | ▲ 0.6 | ▼ 4.3 | ▼ |
| 🇫🇷France | 61.4%2025 | ▲ 0.2 | ▼ 2.2 | ▼ |
| 🇩🇰Denmark | 58.4%2025 | ▼ 2.5 | ▼ 0.9 | ▼ |
| 🇦🇹Austria | 54.2%2025 | ▼ 0.3 | ▼ 1.1 | ▼ |
| 🇩🇪Germany | 47.2%2025 | 0.0 | ▼ 3.3 | ▼ |
| 🇨ðŸ‡Switzerland | 42.0%2024 | â–¼ 0.6 | â–² 0.4 | â–² |
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Source: Eurostat (ilc_lvho02) · released 2026-09-17 · modifications: none
See the euro-area aggregate →
Frequently asked questions
- Which European country has the highest home ownership rate?
- Slovakia, at 93.8%.
- Which European country has the lowest home ownership rate?
- Switzerland, at 42.0%.
- What is the euro-area average home ownership rate?
- The euro-area average is 65.1%.