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Cost of living index > Property price index > Lowest mortgage rates in Europe

2026 - Cities With The Lowest Mortgage Rates In Europe

We strive to ensure the accuracy of our research data. If you can help improve it, please share some prices from your city

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Top Cities with the lowest mortgage rates in Europe 2026

Descending rankings:

Cities with the most expensive property prices in Europe

Rankings

Cities with the most expensive property prices in Europe Cities with the most expensive utilities in Europe Cities with the most expensive mobile services in Europe Cities with the most expensive internet service in Europe Cities with the most expensive apartment prices in Europe Cities with the most expensive rent prices in Europe Cities with the highest mortgage rates in Europe

Ascending rankings:

Cities with the lowest mortgage rates in Europe

Rankings

Cities with the cheapest property prices in Europe Cities with the cheapest utilities in Europe Cities with the cheapest mobile service in Europe Cities with the cheapest internet service in Europe Cities with the cheapest apartment prices in Europe Cities with the cheapest rent in Europe Cities with the lowest mortgage rates in Europe

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Ranking

Indicators

#

Place

Cities

European ranking

Mortgage rate (30 years, fixed)

More affordable at first

Mortgage monthly payment (1-bedroom apartment)

US Dollars, $

Rent price (1-bedroom apartment)

US Dollars, $
🏅 1
🇨🇭   Zürich, Switzerland
2.32
4 511.67
1 958.01
🥈 2
🇨🇭   Basel, Switzerland
2.39
3 368.82
1 277.23
🥉 3
🇨🇭   Geneva, Switzerland
2.42
3 839.38
1 959.48
4
🇪🇸   Córdoba, Spain
3.04
387.65
468.21
5
🇲🇹   St. Paul's Bay, Malta
3.06
840.45
702.31
6
🇪🇸   Valladolid, Spain
3.20
600.96
420.80
7
🇧🇬   Sofia, Bulgaria
3.20
593.62
419.84
8
🇧🇪   Antwerp, Belgium
3.29
969.70
740.86
9
🇱🇺   Luxembourg, Luxembourg
3.30
2 367.97
1 483.01
10
🇪🇸   Palma, Spain
3.34
880.94
956.75
11
3.40
605.94
247.75
12
🇪🇸   Seville, Spain
3.41
663.57
647.64
13
🇪🇸   Murcia, Spain
3.42
569.49
510.01
14
🇦🇹   Vienna, Austria
3.45
1 877.07
824.34
15
🇪🇸   Málaga, Spain
3.46
867.06
829.29
16
🇫🇷   Strasbourg, France
3.49
1 028.11
591.45
17
🇪🇸   Alicante, Spain
3.49
529.93
720.96
18
🇪🇸   Bilbao, Spain
3.51
939.09
780.55
19
3.52
484.50
682.62
20
🇫🇷   Toulouse, France
3.54
1 078.17
580.49
21
🇮🇹   Milan, Italy
3.55
1 429.60
999.92
22
🇦🇹   Graz, Austria
3.59
1 166.71
610.37
23
🇪🇸   Barcelona, Spain
3.59
1 361.00
982.98
24
🇫🇮   Tampere, Finland
3.60
1 073.81
683.64
25
🇫🇷   Lille, France
3.60
924.38
554.92
26
🇫🇷   Bordeaux, France
3.62
1 546.86
590.95
27
🇪🇸   Sabadell, Spain
3.62
707.40
869.18
28
🇫🇮   Espoo, Finland
3.65
1 780.26
872.16
29
🇵🇹   Porto, Portugal
3.66
840.43
915.75
30
🇩🇪   Berlin, Germany
3.66
1 836.57
965.62
31
🇩🇪   Munich, Germany
3.66
2 601.37
1 178.32
32
🇩🇪   Hamburg, Germany
3.70
1 815.25
870.17
33
🇪🇸   Madrid, Spain
3.71
1 219.40
994.61
34
🇩🇪   Dresden, Germany
3.72
1 122.07
505.28
35
3.74
1 201.64
860.51
36
🇫🇮   Helsinki, Finland
3.74
1 587.60
893.73
37
🇪🇸   Valencia, Spain
3.75
658.95
814.73
38
🇩🇪   Dortmund, Germany
3.77
677.20
539.48
39
🇩🇪   Hanover, Germany
3.77
951.77
694.86
40
🇫🇷   Nantes, France
3.78
1 093.06
607.83
41
🇫🇷   Montpellier, France
3.79
1 297.58
662.06
42
🇧🇪   Brussels, Belgium
3.80
1 377.69
918.47
43
🇩🇪   Leipzig, Germany
3.80
832.88
540.52
44
🇪🇸   Zaragoza, Spain
3.80
706.01
595.74
45
🇩🇪   Frankfurt, Germany
3.80
1 553.78
952.00
46
🇮🇹   Florence, Italy
3.82
1 307.89
722.11
47
🇽🇰   Pristina, Kosovo
3.83
401.17
253.87
48
🇩🇪   Stuttgart, Germany
3.84
1 611.81
945.27
49
🇭🇷   Split, Croatia
3.84
1 200.17
628.22
50
🇦🇹   Linz, Austria
3.87
1 268.17
639.12
51
🇩🇪   Duisburg, Germany
3.88
1 082.85
429.47
52
🇫🇷   Lyon, France
3.89
1 265.07
622.74
53
🇫🇷   Nice, France
3.90
1 304.97
932.60
54
🇳🇱   Rotterdam, Netherlands
3.91
1 327.42
1 267.56
55
🇳🇱   Amsterdam, Netherlands
3.95
2 511.27
1 635.51
56
🇸🇮   Ljubljana, Slovenia
3.96
1 400.55
709.00
57
🇧🇪   Ghent, Belgium
3.96
978.25
721.09
58
🇮🇹   Bologna, Italy
3.96
985.69
741.98
59
🇫🇷   Paris, France
3.97
2 816.43
1 068.43
60
🇳🇴   Trondheim, Norway
3.98
1 921.01
1 018.49
61
🇮🇪   Dublin, Ireland
3.99
1 861.15
1 874.74
62
🇩🇰   Copenhagen, Denmark
3.99
1 694.97
1 409.41
63
🇮🇹   Turin, Italy
4.05
638.05
529.43
64
🇩🇪   Bremen, Germany
4.07
1 373.25
507.51
65
🇫🇷   Marseille, France
4.07
1 137.23
617.03
66
🇩🇪   Cologne, Germany
4.08
1 788.48
785.63
67
🇸🇪   Gothenburg, Sweden
4.09
1 317.43
745.65
68
🇩🇪   Essen, Germany
4.11
1 076.80
499.73
69
🇩🇪   Nuremberg, Germany
4.16
1 856.02
648.72
70
🇮🇪   Kildare, Ireland
4.17
831.58
1 092.20
71
🇳🇱   The Hague, Netherlands
4.18
1 252.13
1 297.53
72
🇭🇷   Zagreb, Croatia
4.18
985.49
560.92
73
🇱🇹   Kaunas, Lithuania
4.20
728.90
415.55
74
🇳🇱   Eindhoven, Netherlands
4.21
1 234.44
1 075.38
75
🇮🇹   Catania, Italy
4.24
398.45
379.82
76
🇩🇪   Düsseldorf, Germany
4.24
2 219.83
894.83
77
🇮🇹   Rome, Italy
4.28
1 247.54
760.92
78
🇸🇰   Bratislava, Slovakia
4.28
1 225.04
637.29
79
🇮🇹   Venice, Italy
4.29
1 024.45
543.24
80
🇸🇪   Stockholm, Sweden
4.30
1 955.47
1 002.09
81
🇱🇹   Vilnius, Lithuania
4.34
1 224.85
539.05
82
🇮🇹   Genoa, Italy
4.34
526.47
575.32
83
🇸🇰   Košice, Slovakia
4.35
864.81
497.92
84
🇱🇻   Riga, Latvia
4.43
573.13
340.83
85
🇮🇹   Bari, Italy
4.43
730.77
485.13
86
🇳🇴   Bergen, Norway
4.43
1 218.76
833.11
87
🇲🇹   Birkirkara, Malta
4.47
921.98
869.18
88
4.47
517.43
260.14
89
🇵🇹   Lisbon, Portugal
4.51
1 363.88
1 072.74
90
🇬🇷   Athens, Greece
4.52
1 039.46
510.61
91
🇩🇰   Aarhus, Denmark
4.53
1 398.90
903.51
92
🇬🇷   Thessaloniki, Greece
4.57
831.08
425.76
93
🇮🇹   Verona, Italy
4.60
804.05
633.15
94
🇮🇪   Cork, Ireland
4.69
1 283.24
1 241.61
95
🇳🇱   Utrecht, Netherlands
4.71
1 576.86
1 249.65
96
🇳🇴   Oslo, Norway
4.79
2 182.75
1 105.36
97
🇬🇧   London, United Kingdom
4.82
3 610.87
2 287.28
98
🇬🇧   Barnet, United Kingdom
4.92
1 437.66
1 230.14
99
4.95
979.11
838.73
100
🇮🇹   Palermo, Italy
4.99
350.66
371.56
101
🇮🇹   Naples, Italy
5.01
970.78
547.98
102
5.06
1 133.40
908.47
103
🇸🇪   Malmö, Sweden
5.08
984.73
684.60
104
🇪🇪   Tallinn, Estonia
5.12
1 138.01
540.39
105
5.24
587.07
706.21
106
🇨🇿   Prague, Czechia
5.30
1 953.73
771.83
107
5.38
1 015.88
744.86
108
5.53
3 210.01
1 632.05
109
🇨🇿   Brno, Czechia
5.54
1 489.59
616.09
110
5.58
882.41
1 013.15
111
🇲🇪   Podgorica, Montenegro
5.65
790.10
422.03
112
5.65
1 420.28
928.84
113
5.73
1 096.23
1 036.14
114
5.79
1 598.99
1 079.34
115
🇷🇸   Belgrade, Serbia
5.82
1 018.35
471.45
116
5.95
1 111.29
724.53
117
5.98
2 446.00
1 307.15
118
5.99
1 712.61
1 068.75
119
🇨🇿   Ostrava, Czechia
6.09
743.21
410.32
120
🇵🇱   Szczecin, Poland
6.13
872.27
510.13
121
🇬🇧   Leeds, United Kingdom
6.13
1 321.47
973.94
122
6.17
1 376.04
948.87
123
🇵🇱   Gdynia, Poland
6.19
1 233.73
617.85
124
🇦🇱   Tirana, Albania
6.23
607.95
409.34
125
🇷🇴   Cluj-Napoca, Romania
6.43
1 173.63
437.78
126
🇷🇴   Timișoara, Romania
6.48
608.20
308.33
127
🇵🇱   Łódź, Poland
6.55
849.67
443.16
128
🇷🇴   Constanța, Romania
6.62
600.95
412.82
129
🇭🇺   Budapest, Hungary
6.66
1 155.28
445.36
130
🇷🇴   Bucharest, Romania
6.75
746.00
365.85
131
🇵🇱   Bydgoszcz, Poland
6.75
988.56
466.67
132
🇷🇴   Craiova, Romania
6.77
641.95
265.26
133
🇵🇱   Gdańsk, Poland
6.78
1 366.96
669.09
134
🇵🇱   Wrocław, Poland
6.87
1 417.67
621.65
135
🇷🇴   Iași, Romania
7.04
630.09
291.07
136
🇱🇮   Vaduz, Liechtenstein
7.38
2 344.50
1 133.67
137
🇵🇱   Poznań, Poland
7.38
1 186.39
618.78
138
🇵🇱   Warsaw, Poland
7.67
2 047.37
787.90
139
🇭🇺   Debrecen, Hungary
7.79
956.23
368.36
140
🇵🇱   Kraków, Poland
8.01
1 774.02
675.93
141
🇭🇺   Szeged, Hungary
8.20
1 054.05
288.66
142
🇮🇸   Reykjavík, Iceland
8.95
2 764.39
1 701.67
143
🇬🇪   Kutaisi, Georgia
9.65
455.53
233.33
144
🇲🇩   Chișinău, Moldova
10.51
779.64
390.74
145
🇬🇪   Tbilisi, Georgia
11.54
769.40
427.23
146
🇬🇪   Batumi, Georgia
12.95
649.71
351.72
147
🇧🇾   Minsk, Belarus
13.90
1 053.20
281.58
148
🇺🇦   Lviv, Ukraine
15.58
908.05
342.61
149
🇦🇲   Yerevan, Armenia
16.03
1 591.86
646.51
150
🇺🇦   Dnipro, Ukraine
18.12
1 111.53
289.42
151
🇺🇦   Donetsk, Ukraine
19.26
445.63
225.13
152
🇺🇦   Kyiv, Ukraine
19.47
1 517.86
338.53
153
🇺🇦   Luhansk, Ukraine
20.82
565.26
133.47
154
🇺🇦   Kharkiv, Ukraine
21.05
862.93
141.62
155
🇺🇦   Odesa, Ukraine
21.11
1 040.63
147.99

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