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Understand housing better

Whether you are buying, renting or simply curious about the market, here is reliable, independent information on Icelandic housing, explained in plain language.

What would you like to understand better?

Housing has been in the spotlight for the past decade, both in Iceland and abroad. That is no surprise. For most people the largest share of their assets is tied up in property, and access to secure housing is directly linked to stability, financial security and quality of life.

Despite the importance of housing, far more has been written about stock markets than about housing markets, both in public debate and in academic writing. The aim here is to put that right by gathering independent, accessible knowledge in one place for people who want to understand the housing market better: prices, supply, rents, loans and the other factors that shape it.​

The housing market

General and academic writing on the housing market, including HMS monthly reports
The rental market and its wider context, including the rental market survey

Mortgages

Mortgages fall broadly into indexed and non-indexed mortgages

Statistics & dashboards

Kaupverðsjá HMS and data from Hagstofa Íslands and Þjóðskrá

All about mortgages

The site's main subject areas. Each category gathers together explanations, data, legislation and sources on its topic.

First-time buyers

Moving out of your parents' home?

Private pension savings

Is it worth using private pension savings?

Indexation

What is indexation?

Shared-equity loans

Are they worth it for first-time buyers?

Learn about mortgage indexation

Indexation

Money and inflation

Interest rates

Indexed and non-indexed mortgages – pros and cons

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Mortgage calculator

Húsnæðis- og mannvirkjastofnun, banks, savings banks and pension funds all offer loan calculators. You can enter the loan assumptions — amount, term, interest rate and inflation — and get results you can use to compare different options.  

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