Demand for housing in Ukraine in 2025: what Ukrainians are buying, what budgets they are setting, and why they trust the secondary market

Ukrainians are gradually returning to buying housing, despite the war and economic instability. Find out which properties are the most popular, what budgets buyers are setting, and what influences the choice between new construction and secondary housing

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Despite the difficult war conditions, interest in the real estate market in Ukraine is gradually growing. According to OLX Real Estate, 31% of Ukrainians plan to buy housing in 2025 — 3% more than last year. The number of those who do not consider buying at all, on the contrary, has decreased to 10%.

The main barriers are war, prices, and low incomes

About 80% of Ukrainians admit that the frequency of Russian attacks directly influences their decision to buy a home. Other factors include high prices, low incomes, economic instability, and expensive loans. However, the number of people who view real estate not only as a basic need but also as an investment in their own future is gradually growing.

Buyers' budgets and motives

The vast majority of buyers — 63% — have a budget of up to $50,000. Only 10% are willing to spend more than $100,000, which reflects the real purchasing power of Ukrainians.

Apartments account for 75% of requests, while houses or other types of housing are of interest to a smaller share of the audience. The main motives are the need for their own housing or the desire to improve living conditions. At the same time, 22% of Ukrainians consider the purchase as an investment — to preserve capital or for potential rental.

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Primary and secondary markets: what people choose more often

Most Ukrainians do not have a clear preference: 57% see no difference between new buildings and secondary housing. However, 31% prefer secondary housing, while 12% are looking exclusively for new properties.

The advantages of new buildings are obvious — modern architecture, new infrastructure, attractive appearance. The share of those who pay attention to these factors has increased by 11% over the year. At the same time, only 28% of buyers consider the possibility of purchasing through the “єОселя” program to be an advantage.

However, the main risks of new buildings also remain: unfinished construction, delays in commissioning, or the delivery of buildings without basic utilities.

The secondary market is attractive because the housing is ready to move in, and it is possible to assess its actual condition, the neighborhood, and even the neighbors — this criterion has grown by 12%. The disadvantages are traditional: old buildings, outdated repairs, and legal risks, particularly with documents or property rights.

💡 Tip: if you are buying an apartment on the secondary market, it is worth taking care of property insurance in advance. On the Visit Ukraine platform, you can take out express home insurance online — it's quick, official, and will help protect your investment in case of unforeseen events.

Price is the main factor in choosing

Regardless of the type of market, the cost of housing remains a key criterion.

89% of buyers of new buildings and 81% of those who choose the secondary market put price first. For the secondary market, additional factors are the number of rooms, area, and neighborhood, and for new buildings — layout, stage of construction, and development of nearby infrastructure.

How Ukrainians feel about loans and the “єОселя” program

Demand for mortgages remains high, although it is held back by the high risks of war. 38% of Ukrainians are willing to buy housing on credit, of which 17% plan to take advantage of the “єОселя” program, while the rest are considering bank loans or installment plans from developers.

Most respondents (51%) consider the main advantage of a loan to be the ability to purchase a home without having to save money for many years. At the same time, 85% consider an interest rate of no more than 5% per annum to be acceptable.

Among those who do not plan to take out a loan, fears about debt burden, financial instability, and overpayments during wartime prevail.

Awareness of the “єОселя” program has grown significantly: 78% of Ukrainians already know about it, and 7% have taken advantage of it. However, satisfaction with the program's terms has decreased by 18% compared to the end of 2024, which may indicate a need to update approaches and offer more flexible terms for different categories of citizens.

We remind you! More and more Ukrainians are investing in housing abroad – from apartments in Spain to houses in Poland or Portugal. However, before signing a contract, you need to resolve the main issue – how to legally transfer your funds outside Ukraine. Read about how to transfer money to the EU to buy property without breaking the law – what limits exist, transfer options, declaration rules, and bank requirements for confirming the origin of funds.

Photo: Freepik

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