Dutch Buyers Now Need Two Average Incomes to Afford a Home

In April, the average cost of an existing house hit €472,054. De Hypotheker calculated that purchasers would have to earn in the region of €100,000 a year together to afford a mortgage of this level.

Average earners and singles priced out
The median income in the Netherlands is in 2025 €46 500. That means someone on a single average salary will be unable to secure a mortgage on an average priced home, barring them completely from the property market without substantial savings or outside assistance.
"This gap once again underlines the difficulty that singles or modestly earning couples encounter when wanting to enter the housing market," said De Hypotheker.

Home affordability collapses by 40 per cent in five years
Only five years ago the average price of a home was €334,000 and a combined income of €71,000 was required to buy them. In the decades since, the pay of a typical worker has skidded, failing to keep up with housing costs which increased by 40%.
The findings mirror the rising unease about the affordability of housing in the Netherlands, with supply shortages, soaring demand and higher interest rates making it increasingly difficult for many in the country to buy a home.