Housing cost overburden rate by tenure status by country
Countries reporting
47
Highest
26.4%
Greece
Lowest
2.1%
Albania
Median
6.4%
Years covered
23
2003–2025
Data points
949
What the numbers show
Housing cost overburden rate by tenure status is currently reported for 47 countries. The highest value is 26.4% in Greece; the lowest is 2.1% in Albania.
The median across all reporting countries is 6.4%, and the mean is 7.8%.
The gap between the highest and lowest reporting country is a factor of about 13.
Over the past decade 12 countries rose and 35 fell. The largest increase was in Malta (up 445.5%), and the largest decrease in Albania (down 77.2%).
Housing cost overburden rate by tenure status: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Greece | 26.4% | 2025 | down 42.0% | rising |
| 2 | Denmark | 23.4% | 2025 | up 55.0% | flat |
| 3 | Switzerland | 15.3% | 2024 | up 30.8% | rising |
| 4 | United Kingdom | 15.1% | 2018 | down 7.4% | falling |
| 4 | United Kingdom | 15.1% | 2018 | down 7.4% | falling |
| 6 | Norway | 13.5% | 2025 | up 42.1% | rising |
| 7 | Iceland | 13.1% | 2020 | up 36.5% | falling |
| 8 | Germany | 11.2% | 2025 | down 28.2% | falling |
| 9 | Sweden | 10.8% | 2025 | up 24.1% | rising |
| 10 | European Union (EU6-1958, EU9-1973, EU10-1981, EU12-1986, EU15-1995, EU25-2004, EU27-2007, EU28-2013, EU27-2020) | 10.1% | 2019 | up 2.0% | flat |
| 11 | Türkiye | 10.0% | 2025 | down 4.8% | flat |
| 12 | Estonia | 8.8% | 2025 | up 29.4% | rising |
| 12 | Estonia | 8.8% | 2025 | up 29.4% | rising |
| 14 | Euro area (EA11-1999, EA12-2001, EA13-2007, EA15-2008, EA16-2009, EA17-2011, EA18-2014, EA19-2015, EA20-2023, EA21-2026) | 8.7% | 2021 | down 17.9% | rising |
| 14 | Montenegro | 8.7% | 2024 | down 48.5% | falling |
| 16 | Czechia | 8.2% | 2025 | down 21.2% | falling |
| 17 | Luxembourg | 8.1% | 2025 | up 35.0% | rising |
| 18 | Serbia | 7.9% | 2025 | down 76.6% | falling |
| 19 | Spain | 7.2% | 2025 | down 30.1% | falling |
| 20 | Bulgaria | 6.9% | 2025 | down 53.4% | falling |
| 21 | Belgium | 6.7% | 2025 | down 28.7% | falling |
| 22 | Netherlands | 6.5% | 2025 | down 56.4% | falling |
| 22 | Netherlands | 6.5% | 2025 | down 56.4% | falling |
| 24 | France | 6.4% | 2025 | up 12.3% | rising |
| 25 | Portugal | 6.2% | 2025 | down 31.9% | falling |
| 26 | Austria | 6.1% | 2025 | down 4.7% | rising |
| 27 | Malta | 6.0% | 2025 | up 445.5% | volatile |
| 28 | Lithuania | 5.7% | 2025 | down 37.4% | falling |
| 28 | Latvia | 5.7% | 2025 | down 29.6% | falling |
| 28 | Latvia | 5.7% | 2025 | down 29.6% | falling |
| 28 | Lithuania | 5.7% | 2025 | down 37.4% | falling |
| 32 | North Macedonia | 5.6% | 2024 | down 64.1% | falling |
| 33 | Ireland | 5.4% | 2025 | up 14.9% | rising |
| 34 | Hungary | 5.3% | 2025 | down 38.4% | falling |
| 35 | Italy | 5.0% | 2025 | down 41.9% | falling |
| 35 | Romania | 5.0% | 2025 | down 68.6% | falling |
| 37 | Finland | 4.7% | 2025 | down 4.1% | rising |
| 38 | Poland | 4.1% | 2025 | down 52.9% | falling |
| 38 | Poland | 4.1% | 2025 | down 52.9% | falling |
| 40 | Slovenia | 3.5% | 2025 | down 42.6% | falling |
| 40 | Slovakia | 3.5% | 2025 | down 61.5% | falling |
| 40 | Slovenia | 3.5% | 2025 | down 42.6% | falling |
| 40 | Slovakia | 3.5% | 2025 | down 61.5% | falling |
| 44 | Croatia | 3.2% | 2025 | down 55.6% | falling |
| 44 | Croatia | 3.2% | 2025 | down 55.6% | falling |
| 46 | Cyprus | 2.4% | 2025 | down 38.5% | falling |
| 47 | Albania | 2.1% | 2023 | down 77.2% | falling |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.