Region Hovedstaden · report
Affordability in Region Hovedstaden
Figures for Denmark: Region Hovedstaden has no reliable figures of its own.
At the average sale price of houses, a 90 m² home costs DKK 3,747,600. With 10% down and a 30-year mortgage, the payment is DKK 16,066 a month. Denmark sets no cap on the payment; lenders treat debt above four times gross income as high.
- Payment, two incomes
- 33%
- Payment, one income
- 66%
Try your own numbers
Starting from the average sale price of houses, DKK 41,640/m², in Region Hovedstaden, 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 33% of disposable income. Denmark sets no limit on it.
- Home price
- DKK 3,747,600
- Monthly payment
- DKK 16,102
- Share of net income
- 33%
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 | 29.6% | 59.2% |
| 2023 | 30.1% | 60.2% |
| 2022 | 22.9% | 45.8% |
| 2021 | 21.2% | 42.4% |
| 2020 | 18.9% | 37.8% |
| 2019 | 18.4% | 36.9% |
| 2018 | 19.0% | 38.1% |
| 2017 | 18.9% | 37.7% |
| 2016 | 18.7% | 37.4% |
| 2015 | 18.7% | 37.5% |
| 2014 | 18.0% | 36.0% |
| 2013 | 17.7% | 35.4% |
| 2012 | 17.0% | 34.1% |
| 2011 | 18.5% | 36.9% |
| 2010 | 19.6% | 39.2% |
| 2009 | 21.0% | 41.9% |
| 2008 | 29.2% | 58.5% |
| 2007 | 34.2% | 68.3% |
| 2006 | 33.7% | 67.4% |
| 2005 | 27.1% | 54.2% |
| 2004 | 21.7% | 43.4% |
| 2003 | 21.2% | 42.3% |
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 Region Hovedstaden
Asking prices have an 80% chance of landing between DKK 52,176/m² and DKK 56,952/m² by September 2027.
- Expected, September 2027
- DKK 54,564/m²
- Chance of a rise
- 93%
Houses sold in Q2 2026 had first been offered at 4.0% more than they fetched. A year ago the gap was +4.9%.
- Gap today
- +4.0%
- Change in a year
- −0.9 pp
42.7% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 6,140
- Per 1,000 residents
- 3.2
Prices of existing homes have fallen by 3% or more 3 times since 1992. The deepest began in Q3 2006.
- Deepest fall
- −29.9%
- Recovery from the low
- 108 months
In 2025 the population grew by 16,332 while 8,012 homes were finished: 2.0 new residents for every new home.
- New residents per new home, 2025
- 2.0
- Population change, 2025
- +16,332
4.4% of the 957,541 homes registered on 1 January 2026 had nobody living in them.
- Empty, 2026
- 4.4%
- Empty homes
- 42,606
In 2025, 4% of the homes added came from existing buildings rather than new ones.
- Homes from existing buildings, 2025
- 4%
Public bodies signed DKK 1.5B of housing works here in 2025, and DKK 6.7B since 2017.
- Signed in 2025
- DKK 1.5B
- Per resident, 2025
- DKK 775