Herlev · report
Affordability in Herlev
At the average sale price of houses, a 90 m² home costs DKK 3,712,680. With 10% down and a 30-year mortgage, the payment is DKK 15,916 a month. Denmark sets no cap on the payment; lenders treat debt above four times gross income as high.
- Payment, two incomes
- 31%
- Payment, one income
- 62%
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Starting from the average sale price of houses, DKK 41,252/m², in Herlev, a median disposable income of DKK 308,375 a year per person, equivalised (2024, Herlev), and a mortgage rate of 4.0% (September 2026).
The payment takes 31% of disposable income. Denmark sets no limit on it.
- Home price
- DKK 3,712,680
- Monthly payment
- DKK 15,952
- Share of net income
- 31%
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 | 27.0% | 54.0% |
| 2023 | 28.0% | 56.0% |
| 2022 | 22.7% | 45.4% |
| 2021 | 20.3% | 40.6% |
| 2020 | 18.1% | 36.2% |
| 2019 | 19.0% | 38.0% |
| 2018 | 18.6% | 37.2% |
| 2017 | 19.0% | 37.9% |
| 2016 | 19.3% | 38.6% |
| 2015 | 18.3% | 36.6% |
| 2014 | 17.1% | 34.2% |
| 2013 | 17.0% | 34.0% |
| 2012 | 16.6% | 33.3% |
| 2011 | 17.7% | 35.4% |
| 2010 | 19.2% | 38.3% |
| 2009 | 19.6% | 39.2% |
| 2008 | 24.8% | 49.7% |
| 2007 | 30.6% | 61.2% |
| 2006 | 30.8% | 61.7% |
| 2005 | 26.4% | 52.7% |
| 2004 | 20.5% | 41.0% |
| 2003 | 20.0% | 40.1% |
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 Herlev
Asking prices have an 80% chance of landing between DKK 46,435/m² and DKK 57,154/m² by September 2027.
- Expected, September 2027
- DKK 51,795/m²
- Chance of a rise
- 81%
Houses sold in Q2 2026 had first been offered at 2.7% more than they fetched. A year ago the gap was +3.2%.
- Gap today
- +2.7%
- Change in a year
- −0.5 pp
87.7% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 25
- Per 1,000 residents
- 0.8
Asking prices have fallen by 3% or more 3 times since 2004. The deepest began in June 2006.
- Deepest fall
- −28.2%
- Recovery from the low
- 108 months
In 2025 the population grew by 1,245 while 472 homes were finished: 2.6 new residents for every new home.
- New residents per new home, 2025
- 2.6
- Population change, 2025
- +1,245
3.1% of the 15,206 homes registered on 1 January 2026 had nobody living in them.
- Empty, 2026
- 3.1%
- Empty homes
- 477
In 2025, 0% of the homes added came from existing buildings rather than new ones.
- Homes from existing buildings, 2025
- 0%