The Dutch housing market in 2025: still on the move
House prices keep rising, while mortgage rates have dipped again. What does that double-whammy mean if you’re hoping to buy this year? Below you’ll find the key trends—and how to use them to your advantage.
1. House prices are smashing new records
- Average sale price: € 474,534 for an existing home in January 2025—up 11.5 % in a single year and higher than the previous peak in July 2022.
- Why so high? Demand is sky-high, supply is lagging (new-build projects face delays) and the population keeps growing—25 buyers for every “banana,” as the Dutch saying goes.
- Smart move: Compare not just on price but on potential. A property with a solid energy label usually sells for more when you move on.
2. Mortgage rates: lower—and borrowing power is up
- Rates that flirted with 4–5 % in 2023–24 have slipped back to about 3 % in 2025.
- Stronger budgets: Average incomes rose 4.3 %, and the NHG guarantee limit climbed to € 450,000, so many buyers qualify for a higher loan.
- Extra perk: Choose an energy-efficient home and you can borrow up to € 50,000 extra on top of the normal maximum.
3. Green homes are hotter than ever
Energy-efficient houses with label A or B sell faster and for more money. The Dutch government sweetens the deal with bigger sustainability grants—now € 10,000 per rental property (up from € 6,000). Thinking long-term? Efficiency upgrades pay you twice: lower bills today and a higher resale price tomorrow.
4. Creative living solutions open new doors
Because supply is tight, buyers (and local councils) are thinking outside the box:
- Split a large house into two apartments.
- Build modular, moveable homes.
- Relocate to smaller towns or villages where space is plentiful and prices are friendlier.
Especially that last option is booming—more room, more peace, and a better price tag outside the Randstad.
5. Bottom line: the market keeps moving—move with it
Rising prices plus falling rates create a unique window of opportunity. Whether you’re a first-time buyer, mover or investor, 2025 is a year to act quickly—armed with good advice. Curious about your maximum mortgage, local incentives or the best green-home subsidies? Talk to an adviser who thinks along with you and helps you get ahead of the market.
