Buying · budget by municipality

Buying in Brussels: the real budget

Brussels · Bruxelles-Capitale · Statbel prices, first half of 2026

In brief

In Brussels, a house usually sold for €425,500 in the first half of 2026. That is the median price: half of sales are above, half below. That is 21% less than a typical municipality in Brussels (€539,500).
With a 20% deposit, you need €118,440 of your own, duties and fees included. Then €1,710 a month for 25 years, at 3.53%.
An apartment usually sold for €269,000.
In five years, the price of terraced and semi-detached houses changed by +10.5%.

Sale prices at the notary (Statbel). The house you have in mind may cost much more, or much less.

Brussels

Where Brussels is in Belgium

€425,500house, median pricefirst half of 2026, 102 sales

€269,000apartment, median pricefirst half of 2026, 748 sales

1,868sales in twelve months

What does a house in Brussels really cost?

On top of the price come registration duties and notary fees. We use the Brussels rate for the only home you will live in. A second home or an investment pays more.

median house price: €425,500
registration duties (12.5% after a €200,000 abatement): €28,188
notary fees and deed costs: €5,152
total cost of the purchase: €458,840
from your own pocket (20% deposit, duties and fees): €118,440
amount borrowed: €340,400
monthly repayment over 25 years at 3.53%: €1,710 / month

Fixed-rate mortgage rate published by the National Bank (August 2026). Notary fees at the legal rate. The calculator takes this price: adjust it to your situation.

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What income do you need to buy in Brussels?

For the median house in Brussels, the monthly payment is €1,710 per month. For it to take only a third of your income, you need a net household income of about €5,130 per month. If it takes half, you need about €3,420.

Net household income, payment at one third: €5,130 / month
Net household income, payment at half: €3,420 / month

Net monthly household income, with no other loan running. No law sets this ratio: each bank applies its own rule and looks at what you have left to live on. The National Bank mainly watches loans that finance more than 90% of the price and whose monthly payment is more than half of disposable income.

Paying rent?

With €118,440 saved for the down payment and costs, rent of €1,710 per month would be enough to repay the loan on this house. As an owner, you would also pay property tax, insurance and upkeep.

What can you buy with your rent?

What condition are the homes in?

A poorly insulated home costs less to buy. But it costs more to heat. Check its EPC as closely as its price.

28.5% of homes in the Brussels-Capital Region have an EPC rating of G, the worst class. Brussels does not publish this figure municipality by municipality.

EPC ratings in Brussels, in detail

In 2024, 43 new homes got a permit. That is the new supply on its way.

Estimate the cost of renovation

How do you value a house in Brussels?

Start from recent sales of similar houses in the municipality. Then adjust for the house itself.

The prices above show the level of the municipality. Your house sits above or below it.

Three things explain most of the gap between two nearby houses:

The living area and the size of the plot: they set the starting point.
The condition of the house and the age of the roof, windows, wiring and heating.
The EPC, which shows how much energy the house uses.

The exact location within the municipality matters too. Only a visit shows the flaws and strengths that figures miss.

Cheaper in a nearby municipality?

A few kilometres away, the same budget sometimes buys a bigger home. Here are each municipality's median house price and overall score.

Schaerbeek€591,25074/100 Anderlecht€356,50082/100 Molenbeek-Saint-Jean€318,00072/100 Ixelles€815,00069/100 Uccle€745,00080/100 Woluwe-Saint-Lambert€660,00070/100

Prepare your purchase in Brussels

Frequently asked questions

For a house at the median price of €425,500, allow €28,188 in registration duties (12.5%) and €5,152 in notary and deed costs. Total: €458,840. With a 20% deposit, you put in €118,440 of your own and borrow €340,400. That is €1,710 a month over 25 years, at 3.53%.

Brussels is in the Brussels Region. You pay 12.5% of the price. If it is your only home and you live in it, the first €200,000 is not taxed. This applies if the price does not exceed €600,000.

Compare it with recent sales of similar houses. Adjust for size, condition and EPC. Then check the result against the prices on this page. You get a range, not an exact price.

No. The estimate says what the house is worth on the market. The selling price also depends on how fast the seller wants to sell, and on negotiation.

In five years, the median price of terraced and semi-detached houses in Brussels changed by +10.5% (figures published in September 2026). The past guarantees nothing. It mainly shows whether the municipality rose faster or slower than its region.

Sources: Statbel for prices and sales at the notary, regional registers for the EPC, Statbel for building permits. Duties and fees at current rates, mortgage rate from the National Bank. This is not personal advice: check your situation with a notary.

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