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Homeowners with and without an outstanding mortgage in Europe, per country 2018

Home ownership rates in Europe, split by whether or not having a mortgage loan, varied per country in 2018. This according to an overview of how many people within each member state of the European Union are an owner-occupier either with or without an outstanding mortgage. In 2018, roughly 70 percent of the total population in Belgium was a homeowner. 43.4 percent of the total population was a homeowner with an outstanding mortgage, whilst 28.9 percent was a owner-occupier but without a mortgage loan. An average 26.5 percent of the total population within the EU-28 in 2017 was an owner-occupant with a mortgage or housing loan. This was lower in Eastern Europe and the Baltic states, as well as in Italy, Germany, Malta, Austria, Cyprus and Greece. In contrast to this are countries like the Netherlands and Sweden.

The European housing market, or residential real estate, has recently shown clear signs of recovery, with an increasing house price being the main trend. Eight years after the financial crisis, the majority of property markets in Europe have gained momentum with only a few still on the mend or lagging behind. For example, between the start of 2014 and the end of 2015, Romania and Portugal were among the countries which experienced an increase in housing prices, whilst the prices in Slovenia and Italy decreased.

Share of the population in European countries who are owner-occupants in 2018, with or without a mortgage

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Release date

May 2020



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Statistics on "Residential real estate in Europe"

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