According to the mortgage advisory chain, that larger gap is striking, because the increased wages and decreased mortgage interest should also strengthen the position of single home buyers. But this is not the case due to the fast house prices. The average selling price of houses has risen by no less than 9 percent on an annual basis to 474,234 euros.
Maximum mortgage
Two -income households with a joint annual income of 85,000 euros gross can get a mortgage of a maximum of 400,608 euros this year, De Hypotheker calculates. But singles with an average salary of 46,500 euros cannot borrow more than 215,083 euros.
As a result, the range of accessible homes for single people this year has only risen to 2.1 percent compared to 1.7 percent in 2024. They still have the best chance of a owner -occupied home in the provinces of Groningen, Limburg and Zeeland. But in large cities such as Amsterdam, Eindhoven and Utrecht, they are almost hopeless.
‘Improve opportunities singles’
“Due to the high house prices, Singles cannot benefit from the growing housing supply,” says commercial director Mark de Rijke van de Hypotheker. “There is urgent action to improve the opportunities of this group of home buyers.”
Fons (72) reluctantly renovates his house because he can’t find anything smaller: “Digging, this house is ideal for family with four children”
De Rijke is thinking of the construction of smaller houses for single people and a better range of senior housing. “A better flow in the housing market can considerably increase the chances for singles.”
Dual
Model -earning couples have seen it rise considerably for their available housing supply from 29 percent in 2024 to now 36 percent. They are more likely, because there have been many houses on the market of housing investors who no longer see bread in renting out these buildings.
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Two -income households who are looking for an owner -occupied home can mainly make their way in Groningen, Limburg and Zeeland. There they can pay more than half of the houses for sale. In Rotterdam and The Hague, this applies to nearly 50 percent of the homes that are on sale. They are less promising in Amsterdam (21 percent) and Eindhoven (28 percent).
Top priority
According to De Rijke, it is for the fourth consecutive year that dual -income households are more likely to have a home for sale. “That’s positive.”
At the same time, he points to the dire shortage of homes that have since risen to more than 400,000. “The substantial reduction of this deficiency is top priority.”