How much house can I afford on €5,000 net?
Short answer: On €5,000 net, the maximum affordable instalment is around €1,750 per month. At 4 % interest and 2 % repayment this corresponds to a borrowing capacity of about €350,000. Depending on your equity and after deducting 15–20 % incidental building costs, a realistic house budget of roughly €311,000 to €372,000 remains.
The following example calculation shows the rule of thumb with 10 % and with 20 % equity. The maximum instalment of €1,750 is taken as an upper limit without deducting further fixed costs – your personal limit may be lower.
Example calculation for €5,000 net at 4% interest and 2% repayment – simplified, not financial advice (as of 2026).
| Metric | with 10% equity | with 20% equity |
|---|---|---|
| Max. affordable instalment (35% of net) | €1,750 / month | — |
| Borrowing capacity (4% interest + 2% repayment) | €350,000 | €350,000 |
| Assumed equity | €39,000 (10%) | €88,000 (20%) |
| Total budget (loan + equity) | €389,000 | €438,000 |
| Realistic house budget (after 15–20% incidental costs) | €311,000 – €331,000 | €350,000 – €372,000 |
All values are rounded guide values based on the 35% rule of thumb. You can calculate your personal budget in the budget calculator or more precisely in the mortgage calculator.
What is realistic with this budget?
€5,000 net opens up access to generous houses – from the town villa and the country house to the spacious single-family home with upmarket fittings. Demanding floor plans and more individual designs also become financeable.
Bear in mind: the catalogue price of a house includes neither the plot nor the incidental building costs. Factor in an additional 15 to 20 % incidental costs and calculate the plot separately by region.
Matching houses on €5,000 net
Generous town villas, country houses and single-family homes suit the budget on €5,000 net. The selection is made purely factually according to how well the price fits the budget – not a ranking. Each card leads to the house detail with living space, finishing stage and fittings.
Different income? Budgets compared
Compare your budget with neighbouring income classes:House on €4,000 net. You can determine your exact budget at any time in the budget calculator "How much house can I afford?", and you can find matching offers at Prefab house up to €250,000.
Find matching houses on €5,000 net
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