On average, a single-family home in the Netherlands costs €483,000. In Amsterdam, this is €678,500 (both July 2025). 

In the case of an owner-occupied home, there are more initial costs than just the agreed purchase price. The so-called buyer’s costs (transfer tax, notary fees, the costs of a structural inspection, appraisal costs, the costs of a buying agent and the advice and brokerage costs of the mortgage advisor) amount to between 5 and 8% of the purchase price. You cannot include these amounts in your mortgage, you have to pay them from your own savings.  

Depending on the mortgage provider and the agreed purchase price, a gross annual income of between €101,000 and €128,000 is required to pay for this with a mortgage. 

Yes, you can finance a renovation through your mortgage, but only up to the market value of the home after renovation. The extra funds are placed in a construction deposit (bouwdepot).

The answer to this question differs per region. In Amsterdam the average time on market is 15–25 days, especially in popular neighbourhoods like De Pijp, Oud-West, and Amsterdam-Noord. In Eindhoven it’s 20-30 days, in Groningen 30-days. The more expensive a home is, the longer it will be on the market.

In general, you will have to act quickly if you see a house to your liking. Overbidding is common practice in the larger cities, don’t expect to be able to negotiate the buying price down there.

1) Determine your budget
2) Determine your expectations; location, type of home, how many rooms, garden, city/neighbourhood
3) Get mortgage pre-approval
4) Start your property search
5) Schedule and attend viewings
6) Make an offer
7) Sign the preliminary purchase agreement
8) Apply for a mortgage
9) Finalize the sale at the notary
10) Pay additional costs (e.g. taxes, notary fees)
11) Register your new address with the municipality

Anywr Netherlands offers a home purchase programme. Included are advice on finding and visit the best real estate agent in your market, find a good mortgage provider, accompaniment to the first viewings. We’ll support you through the most important steps of your home purchase process.