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German Housing Market Rebounds With Buyers Returning as Mortgage Rates Edge Higher

Gewos projects 656,000 home purchases in 2025 with turnover rising to €221 billion.

Overview

  • The projection implies roughly a 14% increase in transactions this year based on an analysis of completed sales contracts.
  • Average 10-year mortgage rates have risen to about 3.7% from 3.3% a year earlier, and FMH’s Max Herbst says a move to 4% by year-end is possible as costs track 10-year Bund yields.
  • Gewos expects existing single-family homes and resale apartments to reach or exceed 2021 activity levels, while building plots and new-build apartments remain more than 40% below pre-crisis norms.
  • Private buyers are re-entering the market as confidence improves, with some households shifting to ownership in response to high rents.
  • Prices are still below the last boom’s peak, with existing apartments about 6% lower and single-family homes about 7% lower, and price pressures are higher in large cities and their surrounding regions than in many rural areas.