House prices in Kampen

At the average sale price, a home costs €413,115. With 10% down and a 30-year mortgage, the payment is €1,762 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.

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.

32.7% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.

Sale prices have fallen by 3% or more once since 1995. That fall began in 2006.

In 2025 the population grew by 289 while 233 homes were finished: 1.2 new residents for every new home.

3.6% of the 23,970 homes registered on 1 January 2026 had nobody living in them.

In 2024, 21% of the homes added came from existing buildings rather than new ones.