Renting vs. Buying: Where your money really counts in the real estate market!

Renting vs. Buying: Where your money really counts in the real estate market!

In Germany, property buyers are faced with the challenge of finding the right place to live and realistically assessing their own financial possibilities. An analysis of the Postbank Housing Atlas 2025 shows that a maximum of 30% of the net salary should be spent on housing costs. These aspects are particularly important for people who want to convert their rental property into real estate.

The study analyzes 400 cities and districts and examines how many square meters can be financed with monthly installments of 500 to 2,000 euros. Crucial to the calculations are assumptions such as an equity share of 20%, a term of 25 years and an average interest rate of 3.6% per year. These factors, combined with regional purchase prices, play a central role for potential buyers.

Cost-efficient living space in East Germany

In five regions of eastern Germany it is possible to purchase an area of ​​up to 100 square meters with a monthly rate of 500 euros. These regions include, among others, the Erzgebirgskreis, the Vogtlandkreis and the Zwickau district in Saxony as well as the Burgenlandkreis in Saxony-Anhalt. This illustrates the differences that exist in Germany.

Anyone who is willing to invest 1,000 euros per month can even purchase up to 238 square meters in the Vogtland district. With a budget of 2000 euros, a floor space of up to 476 square meters is possible. In contrast, there are also regions where more than 2,000 euros are necessary to purchase 100 square meters, such as in Munich, where only 50 square meters are available for 2,000 euros.

Price trends at a glance

The real estate market is constantly changing; Factors such as globalization and a changing age structure influence price developments in metropolitan areas. In cities like Hamburg in particular, prices per square meter rose by around eight percent compared to the previous year. Over the years, the price structure in major cities such as Stuttgart, Munich, Düsseldorf, Cologne and Berlin has also changed significantly.

Between 2013 and the current year, prices per square meter for all property types rose by a total of 22 percent. These developments make real estate investment increasingly attractive, especially in urban centers. In Berlin, the asking prices for condominiums increased by ten percent between June 2016 and June 2017.

The current market situation has also led to a worsening of the situation in some regions such as Dessau-Roßlau, where only 185 square meters are available for 1000 euros - 37 less than last year. At the same time, Chemnitz was able to achieve stabilization with prices per square meter improving to 191 square meters for 1,000 euros.

The statements from the current reports show that the real estate sector in Germany is developing dynamically under various influences in both metropolitan areas and rural regions. Personal financial possibilities and regional differences are crucial for potential buyers who want to buy a property with their rent. Provides comprehensive information Focus, while Home day provides detailed insights into price trends.