Where in Europe do most people own their home?
Albania comes top at 95% and Switzerland bottom at 42%. The EU-27 figure is 69%.
Share of the population (people, not households) living in an owner-occupied home, with or without a mortgage (EU-SILC).
These are survey estimates, so each comes with sampling error. Countries close together in the table may not really differ; treat near neighbours as roughly equal rather than as a strict ranking.
Most figures are for 2025; a few countries' latest figure is from 2024, shown in the table.
| Country | survey share | Year |
|---|---|---|
| Albania | 95% | 2025 |
| Slovakia | 94% | 2025 |
| Romania | 93% | 2025 |
| Croatia | 91% | 2025 |
| Hungary | 90% | 2025 |
| Serbia | 89% | 2025 |
| Montenegro | 87% | 2024 |
| Poland | 87% | 2025 |
| North Macedonia | 87% | 2024 |
| Lithuania | 87% | 2025p |
| Bulgaria | 86% | 2025 |
| Latvia | 82% | 2025 |
| Norway | 80% | 2025 |
| Estonia | 80% | 2025 |
| Italy | 77% | 2025 |
| Czechia | 75% | 2025 |
| Slovenia | 74% | 2025 |
| Spain | 74% | 2025 |
| Portugal | 71% | 2025 |
| Belgium | 71% | 2025 |
| Ireland | 71% | 2025 |
| Malta | 71% | 2025 |
| Greece | 69% | 2025 |
| Cyprus | 69% | 2025 |
| Netherlands | 69% | 2025 |
| Finland | 67% | 2025 |
| Sweden | 65% | 2025 |
| Luxembourg | 64% | 2025 |
| France | 61% | 2025 |
| Denmark | 58% | 2025 |
| Türkiye | 57% | 2025 |
| Austria | 54% | 2025 |
| Germany | 47% | 2025 |
| Switzerland | 42% | 2024 |
p = provisional figure, which may be revised.
How do we know?
Source: Eurostat (European Commission), Eurostat ilc_lvho02: Distribution of population by tenure status, type of household and income group. Source: Eurostat (ilc_lvho02), Distribution of population by tenure status, type of household and income group. Reuse authorised with acknowledgement. Eurostat copyright and licence policy (Commission Decision 2011/833/EU; CC BY 4.0 for Commission content).
What kind of number: An estimate from a survey or statistical model.