The main driver is the rising supply of homes, largely due to buy-to-let investors selling rental properties. At the same time, slightly higher mortgage rates and more cautious consumer sentiment are putting mild downward pressure on demand.
"},"textLinks":[{"text":"1 May 2026","url":"/zakelijk/economie/woningmarkt/huizenprijzen-tot-einde-jaar-naar-verwachting-stabiel-volgend-jaar-weer-lichte-stijging"}],"title":"House prices expected to remain stable until year-end, with a modest increase next year"},{"componentType":"paragraph","richBody":{"value":"Higher interest rates are mainly affecting first-time buyers. The overall impact on the housing market remains limited for now, although risks are more pronounced in urban areas and in the new-build segment.
"},"textLinks":[{"text":"26 March 2026","url":"/zakelijk/economie/woningmarkt/midden-oostenoorlog-duwt-hypotheekrente-omhoog-woningmarkt-blijft-vooralsnog-overeind"}],"title":"Middle East conflict pushing up mortgage rates, housing market holding up for now"},{"componentType":"paragraph","richBody":{"value":"Tightness in the owner‑occupied housing market is easing, but not everywhere to the same degree. In major cities outside the Randstad, house prices are still rising by more than 10% year‑on‑year.
"},"textLinks":[{"text":"2 February 2026","url":"/zakelijk/economie/woningmarkt/huizenprijsstijging-flink-hoger-in-steden-buiten-de-randstad"}],"title":"House price growth significantly higher in cities outside the Randstad"},{"componentType":"paragraph","richBody":{"value":"The Dutch housing stock is changing: newbuild properties are becoming smaller and are increasingly apartments.
"},"textLinks":[{"text":"4 September 2025","url":"/zakelijk/economie/woningmarkt/appartementen-rukken-op-nieuwbouw-in-nederland-steeds-kleiner"}],"title":"Apartments on the rise: newbuild homes in the Netherlands are becoming smaller"}],"title":{"value":"House prices and home sales
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/5ff1f9245a34e532/original/Loans_goals-Garden_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Two‑thirds of homeowners have made their homes more sustainable in recent years. Higher‑income households did so more often than lower‑income households. Solar panels were the most popular measure, particularly among higher incomes.
"},"textLinks":[{"text":"9 October 2025","url":"/zakelijk/economie/woningmarkt/verschil-in-verduurzaming-koopwoningen-tussen-inkomensgroepen-neemt-toe"}],"title":"Energy efficiency of owner occupied homes varies across income groups"},{"componentType":"paragraph","richBody":{"value":"Additional measures are needed to accelerate the sustainability of homes in order to meet statutory climate targets.
"},"textLinks":[{"text":"1 November 2024","url":"/zakelijk/economie/woningmarkt/herverdelingseffecten-verduurzamingsnorm-woning-minder-nadelig-voor-lage-inkomens-dan-gasbelasting"}],"title":"Redistribution effects of sustainability standards less negative for low incomes than gas tax"},{"componentType":"paragraph","richBody":{"value":"In the first quarter of this year, the estimated added value of a home with energy label A+ or higher, compared with an identical home with energy label G, was 23%.
"},"textLinks":[{"text":"19 April 2024","url":"/zakelijk/economie/woningmarkt/meerwaarde-energiezuinige-woning-flink-toegenomen"}],"title":"Added value of energy efficient homes has increased significantly"},{"componentType":"paragraph","richBody":{"value":"Climate change and climate policy create additional costs for homeowners. Some households will need support to adapt their homes.
"},"textLinks":[{"text":"21 February 2024","url":"/zakelijk/economie/woningmarkt/kosten-klimaatbestendige-woningmarkt-voorlopig-beheersbaar-maar-tweedeling-ligt-op-de-loer"}],"title":"Costs of a climate resilient housing market manageable for now, but risk of inequality remains"}],"title":{"value":"Making the housing stock more sustainable
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c2465a2e1603f5f/original/Feedback-Light_Bulb_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Over the past four years, the number has fallen from around 17,500 to 10,700. While the Dutch government has announced measures, reversing this downward trend will be challenging.
"},"textLinks":[{"text":"14 April 2026","url":"/zakelijk/economie/woningmarkt/steeds-minder-woningtransformaties-door-afgenomen-financiele-haalbaarheid"}],"title":"Fewer housing conversions as financial viability declines"},{"componentType":"paragraph","richBody":{"value":"In its coalition agreement and Budget Memorandum, the Schoof government announced several measures to build more new homes and make better use of the existing housing stock.
"},"textLinks":[{"text":"19 September 2024","url":"/zakelijk/economie/nederland/woonbeleid-stap-in-gewenste-richting-voor-behalen-doelen-is-meer-nodig"}],"title":"Housing policy moving in the right direction, but more needed to reach targets"},{"componentType":"paragraph","richBody":{"value":"Middle‑income households struggling to find a home are ultimately best helped by reducing the housing shortage. This requires measures that speed up housing construction. Planned extensions to existing rent regulation are expected to have the opposite effect.
"},"textLinks":[{"text":"4 June 2024","url":"/zakelijk/sector/real-estate/direct-verlagen-van-hoge-huren-lost-het-woningtekort-niet-op"}],"title":"Cutting high rents won’t solve the housing shortage"},{"componentType":"paragraph","richBody":{"value":"The Dutch housing market is difficult to access, creates wealth inequality and is volatile. A redesign of housing policy can help address these structural issues.
"},"textLinks":[{"text":"16 June 2022","url":"/zakelijk/economie/woningmarkt/economisch-perspectief-op-grondige-renovatie-woningmarkt"}],"title":"Economic perspective on a thorough renovation of the housing market"}],"title":{"value":"Housing market policy
"}}],"componentType":"actionAccordion"},{"componentType":"linkList","iconTitle":{"title":"Mortgages"},"textLinks":[{"text":"Calculate maximum mortgage","url":"/en/personal/mortgage/mortgage-calculator"},{"text":"Current Mortgage Interest","url":"/particulier/hypotheek/actuele-hypotheekrente"},{"text":"Mortgage refinancing","url":"/particulier/hypotheek/oversluiten"},{"text":"Buying your first home","url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage"},{"text":"Buying your next home","url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek"},{"text":"Your mortgage","url":"/particulier/hypotheek/jouw-hypotheek"},{"text":"Mortgage forms","url":"/en/personal/mortgage/mortgage-types"},{"text":"Sustainable living","url":"/en/personal/mortgage/sustainable-living"},{"text":"Mortgage advice","url":"/en/personal/mortgage/mortgage-advice"},{"text":"Costs","url":"/en/personal/mortgage/advisory-fees"},{"text":"Situation","url":"/en/personal/mortgage/situation"},{"text":"Property services","url":"/en/personal/mortgage/property-services"},{"text":"Contact","url":"/en/personal/mortgage/contact"}]}]},"hasMacro":false,"id":"a98e7b66-7eea-4185-8a54-97b2620c5eee","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.
"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Buying a home","url":"/en/personal/mortgage/buying-a-house"}},"componentType":"productHeader","coreHeader":{"body":"Everything you need to know about recent developments and forecasts for the Dutch housing market. What are the expectations of ING Research’s economists? You can read it here. All articles are available in Dutch only.","headerImage":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/1c5cc8c871996a2/original/Ceramic-canal-houses-for-sale-in-dutch-store.jpg","transformBaseUrl":"https://assets.ing.com/transform/77226388-5091-48b9-a35f-74acc5ea01ae/Ceramic-canal-houses-for-sale-in-dutch-store","type":"image","width":3264},"title":"The Dutch housing market"},"cta":{"componentType":"cta","textLink":{"text":"Calculate your borrowing capacity","url":"/en/personal/mortgage/mortgage-calculator"}}},"publishDate":"2026-06-08T15:51:54.322+02:00"}}