Czechs remain committed to homeownership despite rising costs

Despite high housing prices and growing financial pressures, most Czechs remain committed to the goal of owning their own home, according to the first edition of the Housing Future Index published by the KB Group. The index, which measures public sentiment about housing accessibility, financing, sustainability, and smart technology, reached 51 out of 100 points in 2025, suggesting cautious optimism among the population.

The survey found that 80% of respondents view homeownership as unaffordable under current conditions. Nevertheless, many continue to save regularly and plan to use financial tools such as mortgages and building savings loans to bridge the gap. While concerns about the rising costs of real estate and construction are widespread, there is still strong interest in long-term investment in housing, including sustainable and energy-efficient solutions. Nearly three-quarters of those planning to build or renovate a home said they are considering sustainable housing, and nearly half would be willing to pay up to 10% more for it.

Generational differences were also observed. Generation Z, defined as those under 30, showed lower confidence in their ability to achieve homeownership, with an index score of 46 compared to the general population’s 51. They were also more open to renting or shared housing as an alternative. However, they expressed greater optimism about long-term affordability, with 23% expecting housing to become more accessible in the next decade.

Savings habits remain strong, with half of respondents actively putting money aside for housing. Around 31% use dedicated financial products for regular savings, while another 19% contribute irregularly. Market data supports this trend: the number of new mortgages rose by 83% year-on-year in 2024, while loans from building savings schemes increased by 45%.

The sustainability index scored relatively high at 70 out of 100, reflecting growing interest in environmentally conscious living. Many respondents expect Czech housing to become more energy efficient over the next ten years. Generation Z again led in this area, being both more likely to consider sustainable housing and more willing to invest in it. Smart technologies, while not yet widespread, are gaining attention, particularly among younger people who anticipate greater integration of digital solutions into housing in the future.

Despite ongoing challenges, such as rising housing costs and limited accessibility, the index indicates that Czechs remain determined to pursue homeownership and are increasingly looking to modern financial tools, sustainable solutions, and digital innovation to achieve it.

Source: KB Group