In Lviv, Uzhgorod, Lutsk and Ivano-Frankivsk, monthly payments under the єOselya program are already lower than the average cost of renting one-room apartments. In most other safe regions, mortgage payments are only 10-20% higher than rent, so if you have a down payment, buying a home is increasingly becoming more profitable than long-term renting.
This is evidenced by analytical data from a specialized agency for real estate search.. According to information, after the start of a full-scale war, the demand for housing in Ukraine was significantly redistributed. Western regions and relatively safe regions have faced rapid increases in rental costs due to internal migration.
At the same time, the state program Yoselya gave many Ukrainians the opportunity to purchase their own housing on preferential terms. As a result, monthly loan payments in a number of cities have already approached the cost of rent or even become lower than it. Experts note that today the decision between renting and buying is no longer as clear as it used to be.. The most favorable situation for buyers is observed in the western regions of the country, where rental prices have increased the most.
In Lviv, renting a one-room apartment costs on average 19,395 UAH per month. At the same time, the estimated monthly payment under the єOselya program in the Lviv region is about 17,100 UAH. Thus, own housing costs approximately 2,300 UAH less than rent.
A similar picture is observed in Ivano-Frankivsk. The median cost of renting a one-room apartment here reached UAH 17,203, while the estimated payment for єOseleya is about UAH 14,700. The difference exceeds UAH 2,500 monthly in favor of own housing.
In Lutsk, renting a one-room apartment is about 15,000 UAH per month. The payment under the ДOselya program is estimated at UAH 14,000, which also makes the purchase somewhat more profitable.
The greatest difference was recorded in Uzhgorod. The median cost of renting a one-room apartment here is UAH 21,944 per month - this is the highest figure among all regional centers of Ukraine. For comparison, the estimated payment under the єOselya program in Transcarpathia is about 15,700 UAH. The difference exceeds 6 thousand hryvnia monthly.
Despite the positive trends for buyers, in most cities, rent is still slightly cheaper than mortgage payments. In the capital, renting a one-room apartment costs about 16,000 UAH per month. At the same time, the payment under the єOselya program is approximately 18,300 UAH. A similar situation is also observed in:.
In most cases the difference is between 10% and 20%. The largest gap between rent and mortgage payments is observed in cities that are close to the war zone. Due to security risks, demand for housing there remains lower, and rental rates are much more affordable. For example:.
In these cities, renting is still much more profitable than purchasing housing on credit.
The highest estimated payment under the program among all analyzed regions was recorded in the Chernivtsi region. Here the monthly payment can reach 19,650 UAH. For comparison, the average rent for a one-room apartment in Chernivtsi is about 13,182 UAH. Experts note that the choice between renting and buying depends not only on monthly expenses. What remains important is the presence of a down payment, a stable income, plans to live in a particular city and the general security situation.