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Cost of living index > Property price index > Lowest mortgage rates in the world

2025 - Cities With The Lowest Mortgage Rates In The World

We strive to ensure the accuracy of our research data. If you can help improve it, please share some prices from your city

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World
Europe
Asia
Africa
Middle East

Top 300 Cities with the lowest mortgage rates in the world 2025

Descending rankings:

Cities with the most expensive property prices in the world

Rankings

Cities with the most expensive property prices in the world Cities with the most expensive utilities in the world Cities with the most expensive mobile services in the world Cities with the most expensive internet service Cities with the most expensive apartment prices Cities with the most expensive rent prices Cities with the highest mortgage rates in the world

Ascending rankings:

Cities with the lowest mortgage rates in the world

Rankings

Cities with the cheapest property prices in the world Cities with the cheapest utilities in the world Cities with the cheapest mobile service in the world Cities with the cheapest internet service in the world Cities with the cheapest apartment prices in the world Cities with the cheapest rent in the world Cities with the lowest mortgage rates in the world

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Ranking

Indicators

#

Place

Cities

Mortgage rate (30 years, fixed)

More affordable at first

Mortgage monthly payment (1-bedroom apartment)

US Dollars, $

Rent price (1-bedroom apartment)

US Dollars, $
🏅 1
🇹🇼   Taoyuan, Taiwan
1.48
1 163.69
324.23
🥈 2
1.53
829.72
689.14
🥉 3
🇯🇵   Kawasaki, Japan
1.66
1 198.41
405.51
4
🇯🇵   Yokohama, Japan
1.70
668.32
424.57
5
🇯🇵   Kyoto, Japan
1.70
1 309.77
301.87
6
🇯🇵   Kobe, Japan
1.72
738.84
267.70
7
🇯🇵   Nagoya, Japan
1.74
330.35
345.04
8
🇯🇵   Saitama, Japan
1.74
864.95
197.69
9
🇯🇵   Tokyo, Japan
1.74
1 152.94
524.25
10
🇯🇵   Sapporo, Japan
1.75
371.79
290.06
11
🇹🇼   Tainan, Taiwan
1.81
528.59
169.28
12
🇯🇵   Osaka, Japan
1.98
637.17
388.75
13
🇹🇼   Taipei, Taiwan
2.01
1 587.02
441.77
14
🇹🇼   Taichung, Taiwan
2.11
962.02
263.10
15
🇹🇼   Kaohsiung, Taiwan
2.31
721.39
266.27
16
🇨🇭   Zürich, Switzerland
2.32
4 511.67
1 958.01
17
🇨🇭   Basel, Switzerland
2.39
3 368.82
1 277.23
18
🇨🇭   Geneva, Switzerland
2.42
3 839.38
1 959.48
19
🇳🇨   Nouméa, New Caledonia
2.67
1 026.31
669.67
20
🇬🇫   Cayenne, French Guiana
2.70
848.50
606.52
21
2.93
345.86
2 084.34
22
🇯🇪   Saint Helier, Jersey
2.96
2 812.62
1 416.89
23
🇪🇸   Córdoba, Spain
3.04
387.65
468.21
24
🇲🇴   Mação, Macao
3.06
2 144.56
708.03
25
🇲🇹   St. Paul's Bay, Malta
3.06
840.45
702.31
26
🇸🇦   Madinah, Saudi Arabia
3.10
353.67
595.98
27
🇸🇬   Singapore, Singapore
3.13
4 442.69
2 121.86
28
🇹🇭   Samut Prakan, Thailand
3.13
890.03
201.34
29
🇪🇸   Valladolid, Spain
3.20
600.96
420.80
30
🇧🇬   Sofia, Bulgaria
3.20
593.62
419.84
31
🇧🇪   Antwerp, Belgium
3.29
969.70
740.86
32
🇱🇺   Luxembourg, Luxembourg
3.30
2 367.97
1 483.01
33
🇪🇸   Palma, Spain
3.34
880.94
956.75
34
🇸🇲   San Marino, San Marino
3.36
759.33
543.24
35
3.40
605.94
247.75
36
🇪🇸   Seville, Spain
3.41
663.57
647.64
37
🇪🇸   Murcia, Spain
3.42
569.49
510.01
38
🇦🇹   Vienna, Austria
3.45
1 877.07
824.34
39
🇬🇮   Gibraltar, Gibraltar
3.46
2 388.20
1 605.98
40
🇪🇸   Málaga, Spain
3.46
867.06
829.29
41
🇫🇷   Strasbourg, France
3.49
1 028.11
591.45
42
🇪🇸   Alicante, Spain
3.49
529.93
720.96
43
🇪🇸   Bilbao, Spain
3.51
939.09
780.55
44
3.52
484.50
682.62
45
🇫🇷   Toulouse, France
3.54
1 078.17
580.49
46
🇮🇹   Milan, Italy
3.55
1 429.60
999.92
47
🇦🇹   Graz, Austria
3.59
1 166.71
610.37
48
🇪🇸   Barcelona, Spain
3.59
1 361.00
982.98
49
🇫🇮   Tampere, Finland
3.60
1 073.81
683.64
50
🇫🇷   Lille, France
3.60
924.38
554.92
51
🇫🇷   Bordeaux, France
3.62
1 546.86
590.95
52
🇪🇸   Sabadell, Spain
3.62
707.40
869.18
53
🇹🇩   N'Djamena, Chad
3.62
45.23
166.50
54
🇫🇮   Espoo, Finland
3.65
1 780.26
872.16
55
🇵🇹   Porto, Portugal
3.66
840.43
915.75
56
🇩🇪   Berlin, Germany
3.66
1 836.57
965.62
57
🇩🇪   Munich, Germany
3.66
2 601.37
1 178.32
58
🇰🇷   Daejeon, South Korea
3.68
1 290.82
270.10
59
🇩🇪   Hamburg, Germany
3.70
1 815.25
870.17
60
🇭🇰   Hong Kong, Hong Kong
3.70
4 932.00
1 617.76
61
🇲🇾   Malacca, Malaysia
3.70
62
🇰🇲   Moroni, Comoros
3.71
428.78
547.39
63
🇪🇸   Madrid, Spain
3.71
1 219.40
994.61
64
🇩🇪   Dresden, Germany
3.72
1 122.07
505.28
65
3.74
1 201.64
860.51
66
🇨🇱   Puente Alto, Chile
3.74
388.40
399.85
67
🇫🇮   Helsinki, Finland
3.74
1 587.60
893.73
68
🇪🇸   Valencia, Spain
3.75
658.95
814.73
69
🇩🇪   Dortmund, Germany
3.77
677.20
539.48
70
🇩🇪   Hanover, Germany
3.77
951.77
694.86
71
🇫🇷   Nantes, France
3.78
1 093.06
607.83
72
🇫🇷   Montpellier, France
3.79
1 297.58
662.06
73
🇧🇪   Brussels, Belgium
3.80
1 377.69
918.47
74
🇩🇪   Leipzig, Germany
3.80
832.88
540.52
75
🇰🇷   Gwangju, South Korea
3.80
1 653.46
310.08
76
🇪🇸   Zaragoza, Spain
3.80
706.01
595.74
77
🇩🇪   Frankfurt, Germany
3.80
1 553.78
952.00
78
🇮🇹   Florence, Italy
3.82
1 307.89
722.11
79
🇽🇰   Pristina, Kosovo
3.83
401.17
253.87
80
🇩🇪   Stuttgart, Germany
3.84
1 611.81
945.27
81
🇭🇷   Split, Croatia
3.84
1 200.17
628.22
82
🇨🇳   Beijing, China
3.84
2 193.23
457.69
83
🇦🇹   Linz, Austria
3.87
1 268.17
639.12
84
🇩🇪   Duisburg, Germany
3.88
1 082.85
429.47
85
🇫🇷   Lyon, France
3.89
1 265.07
622.74
86
🇫🇷   Nice, France
3.90
1 304.97
932.60
87
🇳🇱   Rotterdam, Netherlands
3.91
1 327.42
1 267.56
88
🇳🇱   Amsterdam, Netherlands
3.95
2 511.27
1 635.51
89
🇸🇮   Ljubljana, Slovenia
3.96
1 400.55
709.00
90
🇨🇳   Guangzhou, China
3.96
1 287.02
278.68
91
🇧🇪   Ghent, Belgium
3.96
978.25
721.09
92
🇮🇹   Bologna, Italy
3.96
985.69
741.98
93
🇫🇷   Paris, France
3.97
2 816.43
1 068.43
94
🇨🇳   Suzhou, China
3.98
1 079.72
210.05
95
🇨🇳   Wuhan, China
3.98
717.85
250.74
96
🇳🇴   Trondheim, Norway
3.98
1 921.01
1 018.49
97
🇮🇪   Dublin, Ireland
3.99
1 861.15
1 874.74
98
🇩🇰   Copenhagen, Denmark
3.99
1 694.97
1 409.41
99
🇰🇷   Busan, South Korea
4.03
2 432.14
289.59
100
🇮🇹   Turin, Italy
4.05
638.05
529.43
101
🇩🇪   Bremen, Germany
4.07
1 373.25
507.51
102
🇫🇷   Marseille, France
4.07
1 137.23
617.03
103
🇩🇪   Cologne, Germany
4.08
1 788.48
785.63
104
🇸🇪   Gothenburg, Sweden
4.09
1 317.43
745.65
105
🇰🇷   Ulsan, South Korea
4.10
882.83
186.18
106
🇩🇪   Essen, Germany
4.11
1 076.80
499.73
107
🇩🇪   Nuremberg, Germany
4.16
1 856.02
648.72
108
🇨🇳   Shenzhen, China
4.16
2 088.05
394.10
109
🇮🇪   Kildare, Ireland
4.17
831.58
1 092.20
110
🇳🇱   The Hague, Netherlands
4.18
1 252.13
1 297.53
111
🇭🇷   Zagreb, Croatia
4.18
985.49
560.92
112
🇨🇳   Shanghai, China
4.19
2 632.60
495.10
113
🇱🇹   Kaunas, Lithuania
4.20
728.90
415.55
114
🇮🇱   Petah Tikva, Israel
4.20
2 495.95
960.44
115
🇳🇱   Eindhoven, Netherlands
4.21
1 234.44
1 075.38
116
🇲🇾   Johor Bahru, Malaysia
4.23
319.14
332.91
117
🇨🇳   Chongqing, China
4.24
460.21
168.56
118
🇮🇹   Catania, Italy
4.24
398.45
379.82
119
🇩🇪   Düsseldorf, Germany
4.24
2 219.83
894.83
120
🇵🇭   Caloocan, Philippines
4.26
388.09
258.81
121
4.28
863.97
852.41
122
🇮🇹   Rome, Italy
4.28
1 247.54
760.92
123
🇸🇰   Bratislava, Slovakia
4.28
1 225.04
637.29
124
🇮🇹   Venice, Italy
4.29
1 024.45
543.24
125
🇲🇦   Tangier, Morocco
4.30
349.88
195.82
126
🇲🇦   Meknes, Morocco
4.30
182.26
147.35
127
🇨🇾   Limassol, Cyprus
4.30
1 538.13
1 086.47
128
🇸🇪   Stockholm, Sweden
4.30
1 955.47
1 002.09
129
🇱🇹   Vilnius, Lithuania
4.34
1 224.85
539.05
130
4.34
105.28
131
🇮🇹   Genoa, Italy
4.34
526.47
575.32
132
🇸🇰   Košice, Slovakia
4.35
864.81
497.92
133
🇲🇾   Kuala Lumpur, Malaysia
4.36
454.48
319.72
134
🇱🇻   Riga, Latvia
4.43
573.13
340.83
135
🇮🇹   Bari, Italy
4.43
730.77
485.13
136
🇳🇴   Bergen, Norway
4.43
1 218.76
833.11
137
🇲🇹   Birkirkara, Malta
4.47
921.98
869.18
138
4.47
517.43
260.14
139
🇦🇮   The Valley, Anguilla
4.50
1 188.23
820.00
140
4.50
1 698.17
759.51
141
🇨🇳   Tianjin, China
4.50
1 006.51
211.56
142
🇵🇹   Lisbon, Portugal
4.51
1 363.88
1 072.74
143
🇬🇷   Athens, Greece
4.52
1 039.46
510.61
144
🇩🇰   Aarhus, Denmark
4.53
1 398.90
903.51
145
🇨🇱   Antofagasta, Chile
4.54
574.57
330.04
146
🇬🇺   Hagåtña, Guam
4.54
998.36
1 636.31
147
🇹🇭   Nonthaburi, Thailand
4.57
990.48
170.83
148
🇨🇳   Chengdu, China
4.57
697.84
155.90
149
🇬🇷   Thessaloniki, Greece
4.57
831.08
425.76
150
🇮🇹   Verona, Italy
4.60
804.05
633.15
151
🇲🇾   Klang, Malaysia
4.63
122.52
286.62
152
4.64
2 123.60
1 067.04
153
🇨🇳   Xi'An, China
4.66
585.83
193.82
154
🇱🇷   Monrovia, Liberia
4.67
1 606.33
87.75
155
🇴🇲   Muscat, Oman
4.69
434.06
395.72
156
🇮🇪   Cork, Ireland
4.69
1 283.24
1 241.61
157
4.70
1 213.25
1 347.78
158
🇳🇱   Utrecht, Netherlands
4.71
1 576.86
1 249.65
159
🇧🇯   Cotonou, Benin
4.73
218.59
135.17
160
🇨🇱   Curico, Chile
4.78
357.69
270.70
161
🇨🇼   Willemstad, Curaçao
4.78
915.77
497.65
162
🇳🇴   Oslo, Norway
4.79
2 182.75
1 105.36
163
🇮🇱   Haifa, Israel
4.81
2 055.69
684.21
164
🇬🇧   London, United Kingdom
4.82
3 610.87
2 097.28
165
🇨🇾   Nicosia, Cyprus
4.83
679.88
524.37
166
🇸🇦   Makkah, Saudi Arabia
4.83
431.79
274.72
167
4.88
1 746.06
768.69
168
🇬🇧   Barnet, United Kingdom
4.92
1 437.66
1 230.14
169
4.95
979.11
838.73
170
🇨🇱   Chillán, Chile
4.95
919.84
316.03
171
🇸🇦   Jeddah, Saudi Arabia
4.96
387.39
420.61
172
🇨🇱   Temuco, Chile
4.97
598.91
315.00
173
🇮🇹   Palermo, Italy
4.99
350.66
371.56
174
🇶🇦   Doha, Qatar
5.00
1 567.12
1 628.17
175
🇮🇹   Naples, Italy
5.01
970.78
547.98
176
🇲🇦   Casablanca, Morocco
5.01
384.72
287.82
177
5.05
302.32
152.27
178
🇨🇲   Bamenda, Cameroon
5.05
151.17
94.51
179
5.06
1 133.40
908.47
180
🇸🇪   Malmö, Sweden
5.08
984.73
684.60
181
🇮🇱   Tel Aviv-Yafo, Israel
5.08
4 694.60
1 273.99
182
🇨🇱   Viña del Mar, Chile
5.09
543.91
327.06
183
🇨🇱   San Bernardo, Chile
5.09
499.50
253.53
184
🇨🇱   Rancagua, Chile
5.09
549.09
324.84
185
🇸🇦   Riyadh, Saudi Arabia
5.10
631.48
848.80
186
🇨🇱   Concepción, Chile
5.11
727.25
341.50
187
🇪🇪   Tallinn, Estonia
5.12
1 138.01
540.39
188
🇨🇱   Talca, Chile
5.17
365.79
340.99
189
🇰🇷   Incheon, South Korea
5.24
2 302.14
335.73
190
5.24
587.07
706.21
191
🇹🇭   Chiang Mai, Thailand
5.27
440.32
225.73
192
🇨🇿   Prague, Czechia
5.30
1 953.73
771.83
193
🇲🇦   Agadir, Morocco
5.31
354.60
145.98
194
🇨🇱   Arica, Chile
5.33
429.05
220.49
195
🇺🇾   Montevideo, Uruguay
5.33
946.44
379.34
196
🇰🇷   Seoul, South Korea
5.34
4 348.48
501.50
197
🇰🇷   Suwon-si, South Korea
5.34
2 408.71
265.13
198
🇹🇭   Samut Sakhon, Thailand
5.36
557.88
427.00
199
5.38
1 015.88
744.86
200
🇰🇷   Daegu, South Korea
5.40
3 778.14
257.80
201
🇨🇱   Valparaíso, Chile
5.49
508.79
365.73
202
5.53
3 210.01
1 632.05
203
🇨🇿   Brno, Czechia
5.54
1 489.59
616.09
204
5.55
1 279.60
1 428.17
205
🇹🇱   Dili, Timor-Leste
5.56
1 543.99
853.13
206
5.56
1 529.28
982.18
207
🇹🇭   Phuket, Thailand
5.57
1 085.77
458.17
208
🇲🇸   Brades, Montserrat
5.58
537.32
500.00
209
5.58
882.41
1 013.15
210
🇻🇳   Haiphong, Vietnam
5.59
200.09
265.30
211
🇲🇪   Podgorica, Montenegro
5.65
790.10
422.03
212
5.65
1 420.28
928.84
213
5.67
691.72
427.77
214
🇦🇺   Ipswich, Australia
5.68
1 135.57
856.98
215
🇮🇶   Basrah, Iraq
5.68
412.28
350.92
216
🇧🇧   Bridgetown, Barbados
5.70
1 345.74
454.08
217
5.73
1 096.23
1 036.14
218
🇮🇱   Jerusalem, Israel
5.73
3 616.37
1 013.14
219
🇨🇰   Avarua, Cook Islands
5.75
266.27
138.90
220
🇵🇭   Taguig, Philippines
5.76
810.89
313.02
221
🇹🇭   Bangkok, Thailand
5.77
1 010.40
322.23
222
🇨🇦   Montreal, Canada
5.78
1 720.61
977.63
223
5.79
1 598.99
1 079.34
224
🇨🇲   Yaoundé, Cameroon
5.79
44.15
173.95
225
🇷🇸   Belgrade, Serbia
5.82
1 018.35
471.45
226
5.83
1 539.47
627.25
227
🇵🇭   Bulakan, Philippines
5.89
616.77
101.07
228
5.91
1 960.57
708.74
229
🇩🇿   Blida, Algeria
5.93
156.21
106.23
230
5.95
1 111.29
724.53
231
5.98
2 446.00
1 307.15
232
🇺🇸   Detroit, Michigan
5.99
570.09
1 065.10
233
5.99
1 712.61
1 068.75
234
🇬🇼   Bissau, Guinea-Bissau
6.00
590.85
211.06
235
🇦🇺   Brisbane, Australia
6.01
1 933.45
1 328.19
236
🇶🇦   Ar-Rayyan, Qatar
6.01
1 134.77
1 025.06
237
🇺🇸   San Diego, California
6.03
2 989.06
2 245.07
238
6.03
492.81
843.58
239
🇵🇦   Panama City, Panama
6.04
640.82
822.56
240
🇨🇦   Edmonton, Canada
6.05
1 036.91
911.43
241
🇦🇺   Melbourne, Australia
6.06
2 333.12
1 212.50
242
🇦🇺   Geelong, Australia
6.06
2 232.63
1 113.04
243
🇩🇿   Algiers, Algeria
6.06
431.34
129.89
244
🇨🇿   Ostrava, Czechia
6.09
743.21
410.32
245
🇦🇺   Canberra, Australia
6.09
2 151.51
1 425.11
246
🇦🇺   Blacktown, Australia
6.09
1 251.20
715.31
247
🇦🇺   Wollongong, Australia
6.09
1 299.33
671.17
248
🇦🇺   Perth, Australia
6.11
1 665.80
1 024.07
249
🇺🇸   Denver, Colorado
6.13
1 451.52
1 671.06
250
🇵🇱   Szczecin, Poland
6.13
872.27
510.13
251
🇬🇧   Leeds, United Kingdom
6.13
1 321.47
973.94
252
🇺🇸   Kansas City, Missouri
6.14
779.69
1 040.00
253
🇨🇦   Halifax, Canada
6.14
1 121.81
1 211.26
254
🇩🇿   Oran, Algeria
6.15
334.52
99.27
255
🇵🇸   Hebron, Palestine
6.15
240.95
174.24
256
🇦🇺   Sydney, Australia
6.15
3 669.66
1 338.93
257
🇺🇸   Portland, Oregon
6.16
1 369.52
1 467.36
258
🇨🇦   Calgary, Canada
6.17
1 228.75
1 145.63
259
6.17
1 376.04
948.87
260
🇺🇸   New York, New York
6.18
5 154.52
2 568.15
261
🇺🇸   Columbus, Ohio
6.18
1 223.87
1 251.11
262
🇺🇸   Minneapolis, Minnesota
6.19
1 011.66
1 186.25
263
🇵🇱   Gdynia, Poland
6.19
1 233.73
617.85
264
🇰🇼   Kuwait City, Kuwait
6.20
1 216.52
707.27
265
🇺🇸   Nashville, Tennessee
6.22
1 403.18
1 722.85
266
6.22
697.30
952.41
267
🇦🇱   Tirana, Albania
6.23
607.95
409.34
268
🇨🇦   Longueuil, Canada
6.23
41.95
982.90
269
🇺🇸   Long Beach, California
6.23
2 923.39
1 957.75
270
🇺🇸   Milwaukee, Wisconsin
6.25
774.24
1 198.53
271
6.25
1 093.25
1 537.50
272
🇺🇸   Dallas, Texas
6.27
1 000.87
1 568.22
273
🇺🇸   Chicago, Illinois
6.27
1 088.65
1 451.39
274
🇨🇦   Kitchener, Canada
6.27
1 725.24
1 258.96
275
🇺🇸   San Antonio, Texas
6.29
851.74
1 288.60
276
6.29
962.74
1 125.68
277
🇺🇸   Sacramento, California
6.30
1 754.19
1 659.72
278
🇨🇦   Toronto, Canada
6.30
3 111.87
1 384.21
279
🇺🇸   Oakland, California
6.31
2 869.59
1 508.11
280
6.32
2 862.43
2 222.33
281
🇺🇸   Houston, Texas
6.32
785.95
1 158.29
282
🇺🇸   Fort Worth, Texas
6.32
952.26
1 164.61
283
🇲🇺   Port Louis, Mauritius
6.32
523.45
367.09
284
🇺🇸   Phoenix, Arizona
6.34
1 424.55
1 352.26
285
🇦🇺   Gold Coast, Australia
6.37
1 798.45
1 263.71
286
6.38
4 654.80
2 717.81
287
🇨🇦   Oshawa, Canada
6.38
5 010.00
791.53
288
🇨🇦   Windsor, Canada
6.40
1 074.53
1 103.90
289
🇺🇸   Memphis, Tennessee
6.41
612.43
1 036.40
290
🇨🇦   Laval, Canada
6.42
67.04
1 111.69
291
🇺🇸   Tucson, Arizona
6.43
1 036.64
1 113.34
292
🇷🇴   Cluj-Napoca, Romania
6.43
1 173.63
437.78
293
🇺🇸   Miami, Florida
6.43
1 841.50
2 043.02
294
🇨🇦   Gatineau, Canada
6.44
2 862.23
800.19
295
🇨🇦   Winnipeg, Canada
6.45
1 225.17
936.05
296
🇨🇦   Ottawa, Canada
6.48
1 875.79
1 308.31
297
🇷🇴   Timișoara, Romania
6.48
608.20
308.33
298
🇺🇸   Austin, Texas
6.49
1 152.49
1 447.60
299
🇨🇦   Burnaby, Canada
6.49
1 917.88
1 722.04
300
🇨🇦   Vaughan, Canada
6.49
2 097.14
1 484.62

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