The mortgage prevalence among homeowners in the 30 European countries in the ranking varied widely in 2024. About ** percent of the total population in Norway was a homeowner, with **** percent paying out a mortgage loan. Conversely, only *** percent of households in Romania had a mortgage, with nearly **** percent being homeowners. Meanwhile, an average of **** percent of the total population within the EU-27 was an owner-occupant with a mortgage or housing loan.Ìý
Homeownership depends on multiple factors, such as housing policy, the macroeconomic situation, the state of the housing sector, and the availability of finance. Countries with more developed mortgage markets tend to have lower mortgage interest rates.Ìý
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Eurostat. (July 24, 2025). Share of the population in European countries who are owner-occupants in 2024, with or without a mortgage [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 03, 2026, from /statistics/957803/homeowners-with-and-without-an-outstanding-mortgage-in-eu-28-per-country/
Eurostat. "Share of the population in European countries who are owner-occupants in 2024, with or without a mortgage." Chart. July 24, 2025. ÌÇÐÄÆƽâ°æ. Accessed August 03, 2026. /statistics/957803/homeowners-with-and-without-an-outstanding-mortgage-in-eu-28-per-country/
Eurostat. (2025). Share of the population in European countries who are owner-occupants in 2024, with or without a mortgage. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 03, 2026. /statistics/957803/homeowners-with-and-without-an-outstanding-mortgage-in-eu-28-per-country/
Eurostat. "Share of The Population in European Countries Who Are Owner-occupants in 2024, with or without a Mortgage." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 24 Jul 2025, /statistics/957803/homeowners-with-and-without-an-outstanding-mortgage-in-eu-28-per-country/
Eurostat, Share of the population in European countries who are owner-occupants in 2024, with or without a mortgage ÌÇÐÄÆƽâ°æ, /statistics/957803/homeowners-with-and-without-an-outstanding-mortgage-in-eu-28-per-country/ (last visited August 03, 2026)
Share of the population in European countries who are owner-occupants in 2024, with or without a mortgage [Graph], Eurostat, July 24, 2025. [Online]. Available: /statistics/957803/homeowners-with-and-without-an-outstanding-mortgage-in-eu-28-per-country/
