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Real estate crisis: Where average earners can still buy in 2025!
Find out in which German regions normal earners can still buy real estate in 2025 and what returns are possible.
Real estate crisis: Where average earners can still buy in 2025!
The real estate market in Germany is currently presenting itself as an ambivalent terrain for average earners who are looking for a suitable condominium. Despite increased prices in many large cities, there are still attractive options, especially in regions that promise above-average increases in value. An outstanding example is the district of Nordfriesland, which is particularly known for its expected increase in value due to the island of Sylt. According to a report by Focus A 100 square meter apartment there could bring in a profit of 218,000 euros with a return of 23% by 2035, while the national average is around 50,000 euros (15% return).
Rising real estate prices in metropolitan regions are making it increasingly difficult for average earners to realize their dream of owning their own home. The Postbank Housing Atlas 2025 shows that out of 400 regions examined, 40 actually offer good conditions for buying real estate. This selection is based on the prospect of value increases by 2035 and a moderate price level compared to rents, which will be below 25 annual net rents in 2024.
The best regions for buying real estate
The top ten regions characterized by both high future value gains and below-average prices are as follows:
| rank | region | Current price | Increase in value until 2035 | return |
|---|---|---|---|---|
| 1 | Erfurt, Thuringia | 286,300 euros | 71,208 euros | 22.1% |
| 2 | Osnabrück, Lower Saxony | 322,000 euros | 68,694 euros | 21.4% |
| 3 | Ludwigshafen am Rhein, Rhineland-Palatinate | 314,000 euros | 68,362 euros | 21.8% |
| 4 | Schwäbisch-Hall district, Baden-Württemberg | 321,000 euros | 66,253 euros | 20.6% |
| 5 | Schwandorf district, Bavaria | 324,000 euros | 66,228 euros | 20.4% |
| 6 | Weimar, Thuringia | 315,000 euros | 65,969 euros | 20.9% |
| 7 | Neustadt an der Aisch district – Bad Windsheim, Bavaria | 321,000 euros | 65,717 euros | 20.5% |
| 8 | Ansbach district, Bavaria | 313,000 euros | 65,481 euros | 20.9% |
| 9 | Flensburg, Schleswig-Holstein | 313,000 euros | 65,459 euros | 20.9% |
| 10 | Frankenthal (Palatinate), Rhineland-Palatinate | 303,000 euros | 63,356 euros | 20.9% |
In these regions, purchase prices are below the 25 annual net rent, which makes purchasing existing condominiums increasingly attractive. The data also shows that buying property has become cheaper than renting in 363 of the 400 areas examined.
Market development and forecasts
An interesting observation of the current market development is the decline in purchase prices in the seven largest German cities, where the decline amounts to an average of 2.3 annual net rents. In other large cities the decline is less severe, while a similar trend of -1.6 was observed in rural areas and medium-sized cities.
The ratio factor, the purchase price in relation to the annual net rent, is particularly high on the North Sea coast. In North Frisia it reaches the highest level in Germany at 70.3. This means that an investment in this region should be considered particularly carefully in order to minimize resale risks.
In summary, it should be noted that despite the challenges on the real estate market, there are certainly worthwhile regions for normal earners that point to future increases in value. However, intensive market analysis is essential to make smart investment decisions. Further information on this is provided by the Postbank, which also addresses the development of sales and rental prices in its study.