Skip to content
Immolytics

What can you buy with your rent?

Enter the rent you pay and what you have saved. The calculation turns that rent into a loan payment, then into a purchase price, notary fees included, and shows the municipalities in your region where it is enough.

€/month

The loan is calculated so that its monthly payment equals this amount.

EUR

It pays the purchase costs and the part of the price the loan does not cover.

Region of the purchase
Loan term
%

Starting point: 3.53%, the average rate on a housing loan fixed for more than ten years in August 2026, according to the National Bank. Replace it with the rate in your offer.

Price you can pay

€218,000

Purchase costs deducted, at the rate for a sole own home in Wallonia.

Loan this rent repays over 25 years
€199,110
What you have saved
€30,000
Registration duties and notary fees
€10,782
Net income for this rent to be a third of it
€3,000 / month
Net income for this rent to be half of it
€2,000 / month

The loan finances 91.3% of the price. That is above the National Bank's 90% benchmark. A bank can accept it, but only for a small share of its new loans: 35% at most for first-time buyers, 20% for others. Source: National Bank of Belgium

Rent is not the whole cost of a home: an owner also pays property tax, insurance and upkeep. This calculation leaves out outstanding balance insurance and the costs of the loan deed.

Where €218,000 is enough in Wallonia

The municipalities where the median price of a house or a flat does not exceed your budget, from most to least expensive. A median price means half of sales are below it.

Houses: 112 municipalities out of 262

And 100 other, cheaper municipalities.

Flats: 61 municipalities out of 92

And 49 other, cheaper municipalities.

Statbel median prices for sales at the notary, the same as on our municipality pages.

FAQ

At the average rate of 3.53% published by the National Bank for August 2026, a monthly payment of 1,000 euros repays about 199,000 euros over 25 years. Registration duties and notary fees then come out of your savings.
No law sets a percentage. For the monthly payment to take a third of your income, you need a net income of three times the payment. 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. Each bank applies its own rule.
No. An owner also pays property tax, home insurance, outstanding balance insurance and upkeep. Keep a margin for these costs.
They are Statbel median prices for sales at the notary, the same as on our municipality pages. Half of sales are below this price.