House price-to-income ratio in Europe by country
House price-to-income ratio across Europe ranges from 144.9 (Portugal) down to 76.0 (Finland). Periods shown: Q4 2025 · Q2 2026.
The OECD’s house price-to-income ratio compares house prices with household disposable income per head. It is shown as a percentage of the country’s own long-term average, so 100 is that average and a value above 100 means the ratio is above its long-term average.
| 12-mo trend | ||||
|---|---|---|---|---|
| 🇵🇹Portugal | 144.9Q2 2026 | ▲ 2.9 | ▲ 15.0 | ▲ |
| 🇳🇱Netherlands | 141.4Q4 2025 | ▼ 0.1 | ▲ 1.9 | ▲ |
| 🇪🇸Spain | 129.9Q2 2026 | ▲ 2.1 | ▲ 10.8 | ▲ |
| 🇨🇭Switzerland | 125.0Q2 2026 | ▲ 1.5 | ▲ 4.5 | ▲ |
| 🇩🇰Denmark | 123.9Q2 2026 | ▲ 1.8 | ▲ 5.9 | ▲ |
| 🇦🇹Austria | 122.2Q2 2026 | ▲ 0.4 | ▲ 3.5 | ▲ |
| 🇳🇴Norway | 120.0Q2 2026 | ▼ 1.0 | ▲ 0.3 | ▲ |
| 🇧🇪Belgium | 119.7Q2 2026 | ▲ 0.3 | ▼ 1.2 | ▼ |
| 🇸🇪Sweden | 119.6Q2 2026 | ▲ 0.3 | ▲ 1.3 | ▲ |
| 🇬🇷Greece | 109.9Q2 2026 | ▼ 0.1 | ▲ 2.0 | ▲ |
| 🇮🇪Ireland | 109.7Q2 2026 | ▼ 0.9 | ▼ 0.8 | ▼ |
| 🇫🇷France | 105.1Q2 2026 | ▼ 1.4 | ▼ 2.0 | ▼ |
| 🇮🇹Italy | 90.1Q2 2026 | ▼ 0.3 | ▲ 0.4 | ▲ |
| 🇩🇪Germany | 84.7Q2 2026 | ▼ 1.0 | ▼ 2.2 | ▼ |
| 🇫🇮Finland | 76.0Q2 2026 | ▼ 1.1 | ▼ 2.5 | ▼ |
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Source: OECD (Analytical house prices indicators) · modifications: none
Frequently asked questions
- Which European country has the highest house price-to-income ratio?
- Portugal, at 144.9.
- Which European country has the lowest house price-to-income ratio?
- Finland, at 76.0.
- What is the euro-area average house price-to-income ratio?
- A euro-area aggregate is not available for this indicator.