Money Atlas · Map 07

The European housing squeeze.

See where housing costs cross the affordability threshold—and how the answer changes for low-income households, renters, owners and crowded homes.

Official Eurostat data27 EU countries2015–2024

Choose the pressure

Housing-cost overburden

Share of people living in households where total housing costs exceed 40% of disposable income, after housing allowances.

EU-SILC · 2024

Where does housing pressure show?

Share of people · higher means more pressure

Country positions are approximate. Select a tile to inspect the published estimate.

EL · 2024

Greece

28.9%

Housing-cost overburden

All people · overburden
28.9%
Lowest income fifth
88.6%
Market renters
37.4%
Overcrowding
27.0%

Who carries the cost?

Housing-cost overburden by age.

Greece · 2024 · same 40% threshold

Under 1828.0%
18–6428.5%
65 and over30.4%

These age bars always show the overall housing-cost overburden measure, even when the map is set to a tenure, income or overcrowding lens.

A decade in view

Did the squeeze widen or ease?

Greece · all people · housing-cost overburden

Housing-cost overburden in Greece, 2015 to 20242015: 45.5%; 2016: 40.5%; 2017: 39.6%; 2018: 39.5%; 2019: 36.2%; 2020: 33.3%; 2021: 28.8%; 2022: 26.7%; 2023: 28.5%; 2024: 28.9%0%12.5%25%37.5%50%1545.5%16171819202122232428.9%

Breaks in the line mean Eurostat did not publish a comparable estimate for that country-year.

Country ranking

The same pressure, all 27 countries.

Housing-cost overburden

What changes the picture

One housing crisis has several maps.

01

Income exposes the edge

The lowest-income fifth faces a far higher overburden rate than the population-wide figure in every country.

02

Tenure changes the ranking

Market renters and mortgaged owners do not face the same pattern, so an overall average can conceal very different systems.

03

Space is a separate strain

Overcrowding captures inadequate room rather than excessive cost. It should be read beside—not as a substitute for—the 40% threshold.

Exact snapshot

Five views of housing pressure.

Percent of people · 2024

CountryAll peopleLowest fifthMarket rentersMortgage ownersOvercrowding
Greece28.9%88.6%37.4%20.9%27.0%
Denmark14.6%49.8%28.7%5.5%9.3%
Germany12.0%33.3%13.8%14.5%11.5%
Sweden10.6%40.7%17.9%4.7%16.7%
Czechia9.2%33.5%30.6%4.0%16.6%
Hungary9.0%27.6%43.8%10.1%14.6%
Estonia8.6%29.8%30.8%6.6%18.4%
Bulgaria8.0%30.7%27.8%13.7%33.8%
Luxembourg8.0%26.6%20.0%4.5%6.8%
Spain7.8%29.6%28.1%4.3%9.1%
France7.0%25.2%20.2%1.1%10.4%
Netherlands6.9%20.0%43.9%1.0%4.6%
Portugal6.9%24.1%30.3%3.8%11.2%
Belgium6.7%24.9%24.3%1.0%6.5%
Latvia6.7%27.3%16.0%3.1%39.3%
Slovakia6.4%27.1%29.1%3.8%29.9%
Austria6.3%27.6%14.6%2.1%13.7%
Lithuania6.2%23.6%21.8%4.9%26.3%
Malta5.9%22.4%20.5%1.7%3.7%
Finland5.4%18.0%14.1%1.8%9.1%
Poland5.2%20.5%15.1%5.0%33.7%
Italy5.1%20.9%19.4%1.7%23.9%
Romania4.7%15.8%28.3%0.2%40.7%
Ireland4.5%13.6%18.3%1.3%5.0%
Slovenia3.8%15.8%16.5%3.5%10.6%
Croatia3.7%17.0%29.2%2.4%31.7%
Cyprus2.4%7.6%14.4%0.3%2.4%

Important boundary

Survey estimates—not a league table of housing policy.

  • EU-SILC uses harmonised definitions, but national housing systems and survey precision differ.
  • Housing costs are measured net of housing allowances and against disposable household income.
  • Small year-to-year moves can reflect sampling variation as well as real change.
Primary sourceEurostat EU-SILC

Housing-cost overburden by age (tessi161), income quintile (tessi162) and tenure (tessi164), plus overcrowding (ilc_lvho05a). 2015–2024 snapshots shown where published.