--- title: "Dutch Housing Market Statistics: What They Mean for a Property Valuation" description: "A current snapshot of the Dutch housing market using figures from CBS, Kadaster, DNB and NHG, with a clear explanation of what national data can and cannot say about one home." url: "https://bestetaxateur.pro/en/guides/dutch-housing-market-and-valuation-statistics-2026/" locale: "en" author: "Joel Wilke" publishedDate: "2026-08-23T00:00:00.000Z" updatedDate: "2026-08-23T00:00:00.000Z" categories: "Stats" tags: "Dutch housing market statistics, home value, property valuation, existing homes, NHG, CBS, Kadaster" --- # Dutch Housing Market Statistics: What They Mean for a Property Valuation A current snapshot of the Dutch housing market using figures from CBS, Kadaster, DNB and NHG, with a clear explanation of what national data can and cannot say about one home. ## TL;DR: the market is still rising, at a slower pace The latest [CBS and Kadaster figures](https://www.cbs.nl/en-gb/news/2026/34/house-prices-up-by-nearly-4-percent-in-july-year-on-year) show that existing owner-occupied homes in the Netherlands were 3.9% more expensive in July 2026 than in July 2025. The price index rose 0.5% between June and July. The Cadastre recorded 22,241 housing transactions in July, 5.0% more than in July 2025. If you are preparing a property valuation, keep local market context such as [property valuation in Aankoop Taxatie Doorstromers, Amsterdam](https://taxateuramsterdam.pro/nl/aankoop-taxatie-doorstromers-amsterdam) separate from the property-specific evidence and report purpose. These figures give useful context for a valuation. They do not directly set the value of one home. A valuer considers recent comparable sales, the property itself, the location, legal matters and the valuation date. A national index answers a different question from an individual valuation report. If this is your situation, use the steps below to decide which facts and questions matter for you. If you follow market changes, compare [property valuation trends](/en/guides/property-valuation-trends-netherlands-2026/) with the local characteristics of your home. If you need a mortgage report, match [mortgage valuation](/en/mortgage-valuation/) to the lender's requirements before you book an inspection. When you compare the two figures, keep [WOZ value and market value](/en/guides/woz-value-and-market-value/) tied to its own purpose and reference date. ## Which figures answer the valuation question? - [The key July 2026 figures](#the-key-july-2026-figures) - [Why the price index matters more than an average sale price](#why-the-price-index-matters-more-than-an-average-sale-price) - [What the NHG limit has to do with valuation](#what-the-nhg-limit-has-to-do-with-valuation) - [What national statistics can mean for one home](#what-national-statistics-can-mean-for-one-home) - [Our method and limits](#our-method-and-limits) - [Frequently asked questions](#frequently-asked-questions) ## The key July 2026 figures The figures below use different measures. Always read the period, population and definition with the number.
3.9% year on year
The price index for existing privately owned homes was 3.9% higher in July 2026 than in July 2025.
0.5% month on month
The price index was 0.5% higher in July than in June 2026.
22,241 transactions
The Cadastre recorded this number of housing transactions in July 2026, up 5.0% from a year earlier.
€500,988 average
This was the average transaction price for an owner-occupied home in July. It is an average sale price, not a quality-adjusted index.
156.7 index level
The price index for existing owner-occupied homes stood at 156.7 in July 2026, with 2020 = 100.
€470,000 NHG limit
The standard NHG limit in 2026 is €470,000. With additional energy-saving measures, the limit can be €498,200 under the applicable rules.
The first five figures come from the monthly CBS and Kadaster release. The NHG figures come from the [official NHG explanation](https://www.nhg.nl/faq/verduurzaming/wat-is-de-nhg-grens-bij-het-treffen-van-energiebesparende-voorzieningen/). These amounts belong to different systems. An NHG limit is a lending rule, not an estimate of the average market value of all homes. ## Why the price index matters more than an average sale price An average sale price can change because a month contains more expensive homes or more lower-priced homes. The mix of homes sold affects the average. A higher average therefore does not automatically mean that a similar home gained the same amount of value. Before you compare fees, ask each provider about [property valuer selection](/en/compare-property-valuers/) for your property and report recipient. The [research hub for home values, valuation and mortgages](/en/research/) collects monthly Stats, News and Trends. DNB’s [Spring 2026 projections](https://www.dnb.nl/en/current-economic-issues/housing-market/) state that expected annual price growth for existing homes in 2026 through 2028 is lower than in the previous year. The CBS and Kadaster price index is designed to track price movements in existing owner-occupied homes more consistently. The series adjusts for differences in the quality of homes sold in different periods. The [CBS price series](https://www.cbs.nl/en-gb/series/time/prices-of-owner-occupied-dwellings) shows an index level of 156.7 in July 2026, with 2020 = 100. For one property, these questions remain important: 1. Which homes are genuinely comparable in type, size, location and condition? 2. How close are the transaction dates to the valuation date? 3. Has the local market moved faster or slower than the national average? 4. Are there features that make the home unusual, such as leasehold, a homeowners’ association, an extension or deferred maintenance? ## What the NHG limit has to do with valuation The NHG limit helps determine whether a mortgage may fall within the conditions of the Dutch National Mortgage Guarantee. In 2026 the standard limit is €470,000. When additional energy-saving measures are financed, a higher limit of €498,200 can apply. The amount above €470,000 must then be used for eligible energy-saving measures. The exact test depends on the rules and the full lending situation. A valuation report may be relevant to that assessment. NHG explains that, for an existing-home purchase, the lower of the purchase price and the market value in the valuation report can matter. The lender and mortgage adviser assess the complete application. A statistics page cannot replace that assessment. Ask the relevant lender or adviser which report, validation and date they accept before you commission a valuation. ## What national statistics can mean for one home National figures are most useful as context. They can support four conversations: ### 1. A conversation about the valuation date A valuation is tied to a date. The index shows that the national market changed by 3.9% between July 2025 and July 2026. That is a starting point for market research. It is not a percentage to apply to one home without further analysis. ### 2. A conversation about recent comparables A valuer can compare the national movement with local transactions. In a fast-moving segment, a sale from six months earlier may be less useful than a more recent sale. The quality of the comparison remains more important than one national figure. ### 3. A conversation about borrowing limits The NHG limit, purchase price, market value and maximum mortgage are different concepts. Anyone buying near €470,000 should check them separately. Borrowing is also constrained by income, interest rates, existing commitments and other lending standards. ### 4. A conversation about property features A national average says little about an energy label, foundation, renovation, leasehold, homeowners’ association reserves or a special location. These details can affect how a home compares with other sales. Put them on a list of questions and documents before requesting a report. ## Our method and limits This monthly statistics page follows a fixed method: - The period is stated beside each figure. - The source is linked in the text and listed at the end. - A price index, average sale price, transaction count and lending limit are discussed separately. - Facts, explanation and editorial interpretation are kept distinct. - National figures are not presented as an individual valuation. - The figures are reviewed when a new monthly release or relevant official rule becomes available. The CBS and Kadaster figures cover existing privately owned homes in the Netherlands. They show averages and index movements. Regional differences, property types and individual circumstances can vary from the national picture. That is a projection, not a guaranteed result. ## Frequently asked questions ### Does 3.9% mean that my home gained 3.9% in value? No single national figure can answer that. It is the year-on-year movement in the price index for existing owner-occupied homes. One home requires recent local comparables and an assessment of the property itself. ### Is €500,988 the value of an average Dutch home? It is the average transaction price for owner-occupied homes sold in July 2026. The mix of property types and locations in that month affects the amount. Use the price index to track price movement and treat the average as a separate measure. ### Can I always get NHG with a value below €470,000? No. The limit is one condition. The purchase price or market value, the mortgage, your income, the property and the other NHG requirements also matter. Discuss your situation with a mortgage adviser or lender. ### Where will the next update appear?