Property Market & Mortgage Affordability
Two questions that matter for every property financing: How are prices developing? And how affordable is a mortgage in my region? Here you'll find both at a glance.
Thinking about buying property in Austria? Before you sign anything, it pays to run a proper mortgage comparison for Austria. On kredit123.at you can check current rates from numerous banks side by side and see — at a glance — which lender actually fits your situation. Our independent comparison is free, non-binding and typically saves home buyers several thousand euros over the term of the loan.
Mortgage Comparison AustriaCompare rates & conditions from numerous banks for mortgage financing – free & non-bindingPrice development in Austria
The house price index shows how residential property prices have changed compared to the previous year. A positive value means rising prices, a negative one falling.
Current trend
Prices rising
Change vs. previous year quarter · Q4 2025
What does this mean for you? Residential properties are on average 3.7% more expensive than a year ago. This may mean that an early mortgage comparison is worthwhile.
For comparison: in the previous year quarter (Q4 2024) the change was +1.1%.
Development in recent years
Source: Statistik Austria – Häuserpreisindex via data.gv.at, CC BY 4.0
Compare mortgage financing now – free & non-binding
What this means for your financing
Property prices in Austria move in cycles. Whether buying now is the right decision depends less on the index itself and more on your personal financing structure – equity, household income and the term you can comfortably afford. A quick rate calculation shows what's realistic for your budget.
Planning a specific house or apartment purchase? Then current bank offers matter more than long-term trends. If you already have an existing loan, it's also worth checking whether refinancing could lower your monthly rate.
Personal advice
Interpret market data correctly – our experts help you find the right timing and optimal financing structure.
- Market analysis for your region
- Numerous banks compared
- Free & non-binding
Important notice: This map shows a simplified, regional assessment based on public data. It does not replace personal advice and does not constitute an individual creditworthiness or lending decision. Your actual affordability depends on many other factors (e.g. equity, term, fixed costs).
Disclaimer
The content on this page has been carefully researched and prepared. However, we assume no liability for the accuracy, completeness or timeliness of the information provided. The data presented serves exclusively for informational purposes and does not replace professional financial or legal advice.
What does it look like for you personally?
Regional averages are a starting point – but your financing is individual. Compare loan conditions non-bindingly and find out what's possible for you.
Planning a purchase? See our guide for house & apartment financing