Gemert-Bakel · report
Affordability in Gemert-Bakel
At the average sale price, a home costs €523,546. With 10% down and a 30-year mortgage, the payment is €2,233 a month. The Netherlands sets no single cap on the payment: each year the law fixes how much of their income a household may spend on the mortgage, by income and interest rate.
- Payment, two incomes
- 24%
- Payment, one income
- 49%
Try your own numbers
Starting from the average sale price of €523,546 in Gemert-Bakel, the median disposable income of a household, €54,800 a year (2025, Gemert-Bakel), and a mortgage rate of 3.9% (August 2026).
The payment takes 24% of disposable income. The Netherlands sets no single limit on it.
- Home price
- €523,546
- Monthly payment
- €2,222
- Share of net income
- 24%
The mortgage payment as a share of income, year by year
The average home with 10% down over 30 years, at each year's average price and rate, against that year's median household income and against twice it.
- Two median incomes
- One median income
Show the numbers
| Period | Two median incomes | One median income |
|---|---|---|
| 2025 | 22.9% | 45.8% |
| 2024 | 21.2% | 42.3% |
| 2023 | 22.5% | 44.9% |
| 2022 | 19.8% | 39.6% |
| 2021 | 17.4% | 34.7% |
| 2020 | 16.6% | 33.2% |
| 2019 | 15.5% | 31.1% |
| 2018 | 16.2% | 32.4% |
| 2017 | 15.2% | 30.4% |
| 2016 | 14.8% | 29.5% |
| 2015 | 15.8% | 31.6% |
| 2014 | 15.9% | 31.9% |
| 2013 | 18.8% | 37.6% |
| 2012 | 19.3% | 38.5% |
| 2011 | 20.7% | 41.4% |
Netherlands 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.
- Netherlands
- EU
Show the numbers
| Year | Netherlands | EU |
|---|---|---|
| 2025 | 6.5% | 7.7% |
| 2024 | 6.9% | 8.2% |
| 2023 | 9.3% | 8.8% |
| 2022 | 10.0% | 8.7% |
| 2021 | 8.3% | 8.7% |
| 2020 | 8.3% | 7.8% |
| 2019 | 9.9% | 9.4% |
| 2018 | 9.4% | 9.6% |
| 2017 | 9.4% | 10.1% |
| 2016 | 10.7% | 10.9% |
| 2015 | 14.9% | 11.2% |
| 2014 | 15.4% | 11.5% |
| 2013 | 15.7% | 11.6% |
| 2012 | 14.4% | 11.5% |
| 2011 | 14.5% | 10.6% |
| 2010 | 14.0% | 10.0% |
| Share of people who | Netherlands | 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 CBS's median disposable income of private households: the whole household's income after taxes, social contributions and benefits, students living away from home left out. It is published about a year late, so today's price is set against the latest year. The Netherlands sets no single limit on the payment as a share of income: each year the law fixes how much of their gross income a household may spend on the mortgage, by income and interest rate, from the Nibud's tables, and a loan may not exceed the home's value. CBS's prices are plain averages of the homes sold, so they move with the mix of homes.
Other reports for Gemert-Bakel
Renting the average home costs less each month than owning it. Owning counts interest, running costs and the return the deposit could earn, at the average sale price; rent is what private tenants pay on average, after housing benefit. Repaying the loan is saving, so it is left out.
- Rent per month
- €660
- Owning per month
- €2,206
226.3% more homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 494
- Per 1,000 residents
- 15.7
Sale prices have fallen by 3% or more once since 1997. That fall began in 2007.
- Deepest fall
- −19.5%
- Recovery from the low
- 48 months
In 2025 the population grew by 265 while 215 homes were finished: 1.2 new residents for every new home.
- New residents per new home, 2025
- 1.2
- Population change, 2025
- +265
3.5% of the 13,455 homes registered on 1 January 2026 had nobody living in them.
- Empty, 2026
- 3.5%
- Empty homes
- 475
In 2024, 11% of the homes added came from existing buildings rather than new ones.
- Homes from existing buildings, 2024
- 11%