Priced out of the dream: Why Czechs are rethinking homeownership

Rising prices, strained savings and higher mortgage costs are changing housing plans in Czechia. The divide extends beyond buying versus renting.

Dave Park

Written by Dave Park Published on 09.11.2026 09:11:00 (updated on 09.11.2026) Reading time: 3 minutes

Saving for a home assumes that, eventually, the savings will catch up with the price. A new survey suggests many people in Czechia are losing confidence in that calculation.

Almost 88 percent of respondents without their own home expect buying one to become harder, according to research commissioned by Generali Investments CEE. Meanwhile, 16 percent of Czech respondents say they cannot put aside any money toward purchasing a property.

The findings point to something more consequential than frustration with expensive apartments: a change in how people plan their lives. For prospective buyers, waiting may mean more years of rent or dependence on relatives. For existing homeowners, the challenge is increasingly how to keep monthly payments manageable.

When “buying later” becomes an uncertain plan

The survey, conducted Sept. 17–21 among 4,119 respondents across Czechia, Slovakia, Hungary and Poland, captures expectations rather than predicting what prices will do. Each country contributed at least 1,000 participants, ages 18–65, through an online panel.

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