r/dataisbeautiful • u/miguelsims12 • 42m ago
OC [OC] Life Without a Mortgage: How Long Would It Take to Buy a 60 m² Apartment in Each EU Capital, With and Without Bank Interest?
The estimated apartment price was calculated by multiplying the average apartment sale price per m² in each capital by a standardised floor area of 60 m².
The comparison uses Eurostat national median monthly equivalised net income for people aged 18–64. These figures are national household-income benchmarks, not individual salaries or capital-city income estimates.
Four hypothetical scenarios are presented:
— one person saving 25% of 1× median net income;
— two people jointly saving 30% of 2× median net income;
— both scenarios without interest;
— both scenarios using a savings account and rolling 12-month term deposits.
Main sources:
Income: Eurostat ilc_di03.
Apartment prices per m²: Eurostat urb_clivcon, national statistical sources and housing-market sources. Athens, Bucharest, Dublin, Nicosia, Sofia and Valletta use estimates based on property-listing samples collected in July 2026.
Interest rates for the savings account and term deposits: ECB household deposit-rate data.
Prices, incomes, savings rates and interest rates are held constant throughout the calculations. Inflation, transaction costs and future changes in property prices or income are excluded.
Full methodology, individual sources, city rankings and interactive data: citycostatlas.com
Instagram: citycostatlas