Real estate in the Netherlands

Top 10 cities in the Netherlands with cheap property: where it is profitable to buy a home

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Real estate in the Netherlands is traditionally associated with high prices, dense development and frantic demand. Outside Amsterdam and Rotterdam lies another market – more stable, affordable and promising. Dutch cities with cheap property offer a real alternative to overheated metropolises. Here, buying a home offers not only benefits, but also freedom of choice: more square metres, a quieter environment, reliable rental income.

1. emmen: space, ecology and economy

Emmen occupies a key position among destinations with attractive housing costs. The average price per square metre of around €2,100 makes it particularly accessible to first-time investors. This figure remains 40-50 per cent lower than in Rotterdam or Utrecht, and the quality of housing and urban planning remains high. The development of the city is focused on sustainability, with an emphasis on low-carbon transport, energy-efficient neighbourhood redevelopment and the creation of green public areas.

The region is actively developing co-operation with the German border regions. This provides additional population flows, employment in cross-border projects and rental demand. Industrial zones and logistics centres offer jobs, and educational programmes at local colleges strengthen Emmen’s position as a centre of attraction for young people. Dutch cities with cheap property rarely combine sustainability, dynamic development and stable capital growth at once.

2. Heerenveen: sport, stability and logistics

Heerenveen is not only a sporting symbol of the Netherlands, but also a city with a well-developed infrastructure and a balanced price policy. The cost per square metre is kept at around €2,400, while the city administration continues to invest in roads, digital infrastructure and support for small businesses. Sporting events and academies provide a steady stream of temporary tenants, while logistics companies are developing warehouse properties within the city limits.

The proximity to the major administrative centres of Groningen and Leeuwarden generates sustained economic activity. The urban layout provides convenient connections to neighbouring regions, making Heerenveen a strategic place to live and invest.

3. Venlo: industry, border, benefit

Venlo is strategically located on the eastern border of the country and is actively using this factor to attract investment. The average cost of housing is around €2,200 per square metre, making the market accessible to both local buyers and international investors. The city is developing as an important logistics hub – there are large distribution centres, warehouses and transport companies oriented to the whole of Benelux and Germany.

The border location allows to attract tenants from different countries. Venlo creates a multicultural environment in which demand for housing remains high all year round. Local authorities are investing in landscaping, modernising roads and simplifying building regulations. Dutch cities with cheap property and access to cross-border business form a unique profile – strong demand, fast tenant turnover and the potential for above-average price growth.

4. tilburg: student drive and cultural dynamics

Tilburg demonstrates a vibrant combination of academic energy, a creative environment and a stable rental market. The university, cultural clusters and festivals form a continuous flow of temporary residents – students, young professionals and teachers. The cost per square metre remains at 2,600 euros, which compares favourably with similar educational centres in the country.

Price growth in Tilburg is uniform – 5-8% per year, due to the interest in investments in compact housing. New neighbourhoods are targeted at a young audience, offering studio flats, public spaces and convenient transport accessibility. The city does not depend on seasonal tourism, which makes the rental market predictable. \

5. Zwolle: administrative stability and silence

Zwolle retains its status as a reliable centre in the north-eastern part of the country. The average cost per square metre – around €2,500 – remains lower than in Utrecht, while the city offers high social stability and a clean environment. As the capital of the Overijssel province, Zwolle manages regional institutions, educational centres and hospitals, which creates a constant demand for renting and buying homes.

Municipal programmes support housing renewal, green renovation of neighbourhoods and affordable housing for families. A well-developed infrastructure and balanced planning make the city a convenient place to live and invest. Where to buy a house cheaper in the Netherlands and still retain all the elements of urban energy – Zwolle holds a strong position among such destinations.

6. Apeldoorn: parks, silence and safety

Apeldoorn offers a quiet and measured life away from the tourist noise. The average price per square metre of €2,400 is combined with high environmental standards, well-developed social infrastructure and security. The town forms an attractive environment for those seeking privacy, stability and clean air.

Demand is fuelled by families, older Europeans and government employees. Apeldoorn is home to parklands, museums, cultural centres and lacks the pressure of mass tourism. This makes housing liquid and resistant to fluctuations in demand. Dutch cities with cheap property rarely combine such quietness with real investment appeal.

7. Leeuwarden: student centre and budgetary choices

Leeuwarden occupies a key place in the educational map of Friesland. The city is actively developing the infrastructure around universities, colleges and research centres. This factor consistently generates a high demand for renting and buying housing. The price per square metre starts from 2,200 euros, and the offer covers a wide range – from small-sized flats to two-storey townhouses.

The city focuses on creating an accessible environment for young professionals and students, combining cultural initiatives, start-up programmes and improved public transport. Leeuwarden offers the opportunity to buy a home with a low entry threshold and a quick income through daily or long-term rentals.

8. De Fenter: history, logistics and growth

De Fenter offers a rare combination of historical atmosphere and industrial pragmatics. The city retains its medieval architecture, cosy centre and active business area. The cost per square metre – between €2,600 and €2,700 – is showing moderate growth, driven by the influx of logistics and retail companies.

The municipality is modernising waterfronts, developing river ports and investing in transport interchanges, which strengthens the city’s position as a logistics hub in the eastern part of the country. Property investments offer stable returns and the possibility of further growth through redevelopment of older neighbourhoods.

9. Oss: an industrial city with potential

Oss is among the hidden favourites among small industrial centres. The city is actively developing the pharmaceutical, chemical and transport sectors, which creates a steady demand for housing from factory and office workers. The average price of €2,300 per square metre makes this city a favourable entry point to the market. The market here is not prone to overheating and allows you to invest without the risk of overvaluation. Dutch cities with cheap property located outside the tourist destinations form a stable tenant base, especially in the long-term rental segment for workers and professionals.

10. Sittard-Gellen: a multicultural cluster

Sittard-Gellen is a border town with a distinctly international character. The cost per square metre – around €2,100 – makes it one of the most affordable in the country. The geographical position between Belgium and Germany allows for the free flow of labour, capital and business connections. This is fuelling interest from expatriates, freelancers and digital specialists.

Dutch cities with cheap property: conclusions

Dutch cities with cheap property form the second layer of the market, where rationality triumphs over hype. They are suitable for those who build their investment strategy thoughtfully: they evaluate not advertising but parameters, not metres but potential. These cities offer more for less – from a square metre to the standard of living.

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Buying a property in the Netherlands in 2025 requires accurate calculations and an understanding of the law. Superficial schemes and “willy-nilly” do not work here. Holland sets high standards for both properties and buyers. Most mistakes are made before the contract is signed – that’s when money, time and chances are lost.

Prices: figures that do not deceive

Buying property in the Netherlands starts with a sober look at prices. In 2025, the average cost of housing in Amsterdam reached €6,550 per m². In Utrecht it is €5,100 and in Rotterdam it is around €4,700. Houses in the countryside are cheaper, but they are also less liquid.

New objects are offered at fixed prices – without bidding, but with mandatory participation in lotteries and tenders. On the secondary market the situation is more tense. Here, owners raise the price by 5-10% of the market price, focusing on the demand from foreigners. This is especially strong in areas with tourist infrastructure.

Buying property in the Netherlands: conditions

Foreigners can buy any type of property – a house, a flat or a plot of land. But mortgages are granted only if you have a residence permit or EU income. The bank will ask for proof of employment, tax history, credit rating and a deposit of 20-30%.

The transaction is formalised by a notary – not a broker. He checks the documents, formalises the transfer of ownership and registers the transaction in the Kadaster register.

Transaction order: steps, no margin for error

Buying a property in the Netherlands follows a strict procedure. It includes:

  1. Finding and verifying an object. A professional broker analyses the market offers, checks legal cleanliness, communications, status of land and building permits.
  2. Signing a preliminary contract. The document fixes the price, terms and obligations of the parties. A deposit – 10% of the value.
  3. Final signing at the notary’s office. The notary checks all documents, transfers the funds to the seller, formalises the transfer of ownership and sends the data to the registration chamber.
  4. Property registration. Kadaster enters the new owner into the register. From this moment on, the status of owner is acquired.

All stages are strictly regulated and legally protected. This approach minimises risks and guarantees the transparency of the transaction at every step.

Taxes and expenses: count to the last euro

Buying a property in the Netherlands comes with several mandatory costs. One of the main ones is the transfer tax (Overdrachtsbelasting). In 2025, the rate is 2% for residential properties and 10.4% for non-residential properties.

Additionally:

  • Notary services: €1,000-€2,000;
  • registration and legal support: €800-€1,500;
  • brokerage commission: 1-2% of the value.

Total costs can be as high as 5-8% of the value of the property.

What not to ignore when buying a property in the Netherlands

Buying a property in the Netherlands entails a number of responsibilities. The owner pays an annual property tax (Onroerendezaakbelasting – OZB) as well as utility and municipal fees.

The maintenance of the dwelling requires compliance with building and technical regulations. In case of redevelopment, it must be approved by the municipality. Fines of up to €25,000 are provided for violations.

Investments: calculation, not emotion

Property in the Netherlands brings a stable yield – on average 3.5-5% per annum, especially when renting in Amsterdam, Utrecht and Haarlem. Studios and “two-bedrooms” are in demand – they are quickly rented by students and young professionals.

Demand is consistently higher than supply, especially in areas with good transport and educational infrastructure. It is important to take into account: rent is strictly regulated, the contract is for at least one year, indexation is limited, and penalties for violations are possible.

Immigration and residence permit

Buying a property in the Netherlands does not entitle you to a residence permit. The law does not provide for benefits in the presence of property. Ownership status can be a plus when applying for a visa on other grounds: business, startup, work.

Immigration requires legal income, contract, health insurance and integration. Only after several years of legal residence does one become eligible for permanent residence.

How to buy property in the Netherlands

Buying a home is not a spontaneous process. It requires analysis, preparation, and consideration of dozens of factors. A simple list helps keep you focused:

Step-by-step instructions:

  1. Determine budget and region.
  2. Evaluate goals: living, renting, investing.
  3. Contact a licensed broker.
  4. Check the object: technical condition, documents.
  5. Sign the preliminary contract.
  6. To post bail.
  7. To be notarised.
  8. Complete your registration with Kadaster.
  9. Calculate all taxes and fees.
  10. To record the rights and obligations of the owner.

Buying property in the Netherlands: restrictions

Purchasing a home is open to non-EU citizens, but with a number of nuances. Many cities have an opkoopbescherming rule – a ban on renting for the first 4 years after purchase. This helps protect the market from speculation. In Amsterdam and Rotterdam new projects can include quotas for sale only to residents – without local registration the transaction cannot be carried out.

Foreigners are not eligible for subsidies and pay all taxes and services in full. At the same time, there are no restrictions on land acquisition: both building plots and fully owned agricultural land are available.

Object types

Buying property in the Netherlands covers a wide range of properties. The market includes:

  1. Flats in apartment blocks are a common format in cities. The layout is standard, often without balconies. The average size is 65-85 m².
  2. Tanhouses are two- and three-storey houses with a common wall, popular in suburbs. The price starts from €320,000.
  3. Villas and detached houses are premium segment properties, often located outside of cities. Costs start from €650,000.
  4. Building plots are a scarce commodity, especially near agglomerations. Municipalities sell such plots by agreement, with strict conditions for development.

The key to making the right choice is to match the purpose of the purchase with the location. A compact flat in the centre is suitable for renting. For living – a house in a quiet neighbourhood. For investment – a liquid object in a development zone.

Regional differences

The property market in the Netherlands differs significantly by region. Amsterdam is the most expensive and overheated: the price per m² exceeds €6,500, objects leave in 12 days. Utrecht and Haarlem are stable, but with less competition – €4,900-5,100/m². In Rotterdam and The Hague housing is more affordable, but there are rental restrictions and neighbourhoods with a high migration background.

Maastricht and Groningen offer stability and prices of up to €3,800/m², maintaining growth potential – both for living and investment for 5-7 years.

Leases and alternatives

Buying a property in the Netherlands is not always justified. Renting a flat costs €1,200-1,800/month, and the tenant does not have to pay for taxes, repairs, insurance and registration.

If the plan of residence – up to 3 years, renting is more favourable. If the term is 5 years or more, buying becomes reasonable, especially in view of rising prices and difficulties with mortgages.

Conclusion

Buying a property in the Netherlands in 2025 is an informed decision, not an emotion. The property must be fit for purpose: investment, residence or migration. With a clear strategy and proper design, the property becomes a stable asset rather than a burden.

The Netherlands consistently attracts the attention of emigrants with its high quality of social services and developed infrastructure. An important factor for moving to the country is the financial costs to be borne on a monthly basis. Let’s take a detailed look at how much a month of living in the Netherlands costs in 2025, highlighting key aspects of the budget and daily expenses.

Cost of living in the Netherlands: basic monthly costs

How much a month of living in the Netherlands costs depends on the city you choose. Amsterdam, Rotterdam and Utrecht are three popular destinations for foreigners, but prices vary greatly. Amsterdam is characterised by the highest cost of living. A family of three here has to spend from €4000 to €5000 per month, including rent, utilities, transport and groceries. Rotterdam residents spend a smaller amount – from €3500 to €4000, and Utrecht occupies the middle ground with costs in the region of €3700-4300.

Housing and utilities

The cost of living in the Netherlands is significantly increased by renting or buying a property. The average price for a flat of about 80 square metres in Amsterdam reaches €2000-2500. In Utrecht, similar accommodation costs €1600-2000, and in Rotterdam you can find an option for €1300-1800. Buying a property is not a budget option either, but the investment pays off with stability and price growth. The average cost of a square metre in Amsterdam is €7000-9000, in Rotterdam and Utrecht – from €5000 to €7000. Utilities, including heating, electricity, water and internet, add another €200-300 to the budget each month.

Expenses for food and meals

On average, the cost of food for one person is around €300-400 per month. A family of three spends up to €1000-1200. Albert Heijn, Jumbo, Lidl supermarkets remain the most popular shops where shoppers save up to 20% of their budget compared to smaller outlets. Average price for groceries:

  • bread— €1,50–3,00;
  • milk (1 litre) – €1-1.50;
  • eggs (10 pcs.) – €2,50-3,50;
  • cheese (1kg) – €8-15;
  • meat (1 kg) – €10-20.

Lunch in a café costs around €10-15 per person, dinner in a mid-range restaurant from €25-30.

Transport costs in the Netherlands: how to organise travel around the country

Transport costs in the Netherlands have a significant impact on the overall budget of how much it costs to live in the country for a month. This is a country with a developed infrastructure, where travelling is an integral part of everyday life. Bicycles and public transport serve as the main means, while motorised traffic also has its own peculiarities and costs.

Bicycles are hugely popular in the Netherlands, and for good reason. Cycling in the country is so developed that it is often the main way of travelling for city dwellers. The cost of bicycle transport starts from €200 and up, depending on the model and quality. For example, standard bicycles cost around €300-500, while high-quality sport or electric variations cost from €800 to €1500 or more.

As for public transport, the Netherlands offers an extensive system with buses, trams and subways connecting all major cities and towns. Fares vary by region, but on average a monthly pass for all modes costs between €90 and €100. In Amsterdam, for example, a card worth around €100 per month will be required to travel. A single journey costs €3 on average, and for longer journeys you will need to factor in additional costs.

Buying your own car is already more expensive. A litre of petrol costs on average €2-2.20, which is considerably higher than in most other European countries. Monthly car insurance ranges from €50 to €150 depending on the region, type of car and driving experience. Parking also adds a sum to the costs. In major cities such as Amsterdam and Rotterdam, renting a parking space can cost between €200 and €300 per month, and in some cases, such as in the central parts of the regions, the service can cost €400 or more.

Health insurance and quality of health care

Health insurance in the country is compulsory for all citizens and residents. Lack of a certificate is punishable by fines that can reach up to €450 per year. The average cost of health insurance for one person is €120-150 per month. The figure may vary depending on the insurer, the chosen package of services and age. Medicine in the Netherlands is considered to be one of the best in the world, and insurance covers all basic services, including medical appointments, hospitalisation, in-patient treatment and emergency care.

The medical system in the Netherlands is represented by both public and private clinics. The former provide a wide range of services, including high-quality treatment, but often with longer waiting times. Private clinics provide faster access to specialists, but care is more expensive and often requires additional insurance coverage.

Immigration to the Netherlands: costs of documentation and residence permits

When it comes to the question of how much a month of living in the Netherlands costs, obtaining a residence permit (HND) or permanent residence permit (PRP) is an integral part of the move that affects the costs. There are several programmes available in the stanza, each with its own requirements and fees. One of the most common ways to obtain a residence permit is to buy a property or run a business.

There are a number of costs associated with obtaining a residence permit in the Netherlands. The initial processing of documents costs on average from €200 to €300. The amount includes fees and possible additional services. If you decide to extend your residence permit, you will need to pay from €100 to €200 every 1-2 years, depending on the situation. In case of obtaining a residence permit or citizenship, the costs increase significantly. Registration of permanent residence costs approximately €200, and preparation of documents for citizenship can cost €900 or more.

For foreigners wishing to invest in property or set up a business in the Netherlands, the procedure takes several months. It is important to take into account not only the processing fees, but also the possible costs of lawyers and consultants who can help simplify the process and avoid mistakes.

Neighbourhoods and their impact on the cost of living: How much does it cost to live in the Netherlands for a month?

Expense amounts vary by location. Amsterdam, for example, is divided into neighbourhoods with different pricing policies:

  1. Centrum is the most expensive option with accommodation starting from €2500 per month.
  2. Zuid is an upmarket neighbourhood popular with expats, with prices from €2000.
  3. West – lots of cafes, shops, flats from €1700.
  4. Noord is an affordable location with accommodation starting from €1500 per month.

Rotterdam and Utrecht have similar tendencies: the central areas are always more expensive than the outskirts.

Bottom line

How much does it cost to live in the Netherlands for a month? The figure is above the European average, but in return for these costs, residents receive exceptional social services, security and career prospects. The cities of Amsterdam, Rotterdam and Utrecht offer the conditions for successful adaptation and comfortable living, making the Netherlands an attractive country for immigration in 2025.