Denmark · report
Affordability in Denmark
At the average sale price of houses, a 90 m² home costs DKK 1,756,890. With 10% down and a 30-year mortgage, the payment is DKK 7,532 a month. Denmark sets no cap on the payment; lenders treat debt above four times gross income as high.
- Payment, two incomes
- 15%
- Payment, one income
- 31%
Try your own numbers
Starting from the average sale price of houses, DKK 19,521/m², in Denmark, a median disposable income of DKK 294,291 a year per person, equivalised (2024, Denmark), and a mortgage rate of 4.0% (September 2026).
The payment takes 15% of disposable income. Denmark sets no limit on it.
- Home price
- DKK 1,756,890
- Monthly payment
- DKK 7,549
- Share of net income
- 15%
The mortgage payment as a share of income, year by year
A 90 m² home with 10% down over 30 years, at each year's average price and rate, against one and against two of that year's median incomes.
- Two median incomes
- One median income
Show the numbers
| Period | Two median incomes | One median income |
|---|---|---|
| 2024 | 14.6% | 29.3% |
| 2023 | 15.1% | 30.2% |
| 2022 | 11.7% | 23.3% |
| 2021 | 10.5% | 21.0% |
| 2020 | 9.9% | 19.7% |
| 2019 | 9.9% | 19.8% |
| 2018 | 10.2% | 20.4% |
| 2017 | 10.2% | 20.4% |
| 2016 | 10.2% | 20.4% |
| 2015 | 10.3% | 20.7% |
| 2014 | 10.2% | 20.4% |
| 2013 | 10.3% | 20.5% |
| 2012 | 10.1% | 20.3% |
| 2011 | 11.3% | 22.6% |
| 2010 | 11.8% | 23.5% |
| 2009 | 13.3% | 26.7% |
| 2008 | 18.7% | 37.4% |
| 2007 | 20.0% | 40.1% |
| 2006 | 18.3% | 36.6% |
| 2005 | 14.6% | 29.2% |
| 2004 | 12.6% | 25.2% |
| 2003 | 12.7% | 25.5% |
Denmark against the EU
Share of people spending over 40% of their disposable income on housing, then the rest of Eurostat's survey of living conditions. These are national figures, shown here as context.
- Denmark
- EU
Show the numbers
| Year | Denmark | EU |
|---|---|---|
| 2025 | 14.7% | 7.7% |
| 2024 | 14.6% | 8.2% |
| 2023 | 15.4% | 8.8% |
| 2022 | 14.7% | 8.7% |
| 2021 | 15.5% | 8.7% |
| 2020 | 14.1% | 7.8% |
| 2019 | 15.6% | 9.4% |
| 2018 | 14.7% | 9.6% |
| 2017 | 15.7% | 10.1% |
| 2016 | 15.1% | 10.9% |
| 2015 | 15.1% | 11.2% |
| 2014 | 15.6% | 11.5% |
| 2013 | 17.9% | 11.6% |
| 2012 | 16.7% | 11.5% |
| 2011 | 18.5% | 10.6% |
| 2010 | 21.9% | 10.0% |
| Share of people who | Denmark | EU |
|---|---|---|
| Spend over 40% of income on housing | 6.3% | 7.7% |
| … nationals (adults) | 4.4% | 7.1% |
| … citizens of another EU country (adults) | 17.1% | 15.2% |
| … non-EU citizens (adults) | 38.0% | 18.1% |
| Live in an overcrowded home | 12.7% | 16.8% |
| Own their home outright | 39.7% | 43.7% |
| Own with a mortgage | 31.5% | 24.8% |
| Rent at market price | 16.3% | 20.8% |
| Rent at a reduced price or free | 12.5% | 10.7% |
Income is Statistics Denmark's median equivalised disposable income: a family's income after tax, divided by its equivalence scale, so one income is a single adult's. Denmark sets no limit on the payment as a share of income. Lenders need a 5% deposit, and debt above four times gross income counts as high, which rules out some variable-rate and interest-only loans when the loan is also above 60% of the home's value.
Other reports for Denmark
Asking prices have an 80% chance of landing between DKK 24,169/m² and DKK 26,148/m² by September 2027.
- Expected, September 2027
- DKK 25,158/m²
- Chance of a rise
- 96%
Houses sold in Q2 2026 had first been offered at 4.9% more than they fetched. A year ago the gap was +6.0%.
- Gap today
- +4.9%
- Change in a year
- −1.0 pp
25.3% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 24,594
- Per 1,000 residents
- 4.1
Prices of existing homes have fallen by 3% or more 3 times since 1992. The deepest began in Q3 2007.
- Deepest fall
- −21.2%
- Recovery from the low
- 75 months
In 2025 the population grew by 32,946 while 25,465 homes were finished: 1.3 new residents for every new home.
- New residents per new home, 2025
- 1.3
- Population change, 2025
- +32,946
6.5% of the 3,071,410 homes registered on 1 January 2026 had nobody living in them.
- Empty, 2026
- 6.5%
- Empty homes
- 198,672
In 2025, 8% of the homes added came from existing buildings rather than new ones.
- Homes from existing buildings, 2025
- 8%
Public bodies signed DKK 4.7B of housing works here in 2025, and DKK 64.5B since 2017.
- Signed in 2025
- DKK 4.7B
- Per resident, 2025
- DKK 781