Authored by the expert who managed and guided the team behind the Belgium Property Pack
Everything you need to know before buying real estate is included in our Belgium Property Pack
€300,000 can secure decent property in Belgium as of September 2025. With the national average apartment price at €271,218 and house price at €355,371, your budget aligns with mainstream options outside premium urban cores.
This budget works particularly well in Wallonia where many homes sit under €300k, while cities like Antwerp, Ghent, and Brussels offer select apartments and smaller houses. You'll need an additional 11-15% for fees and taxes, plus ongoing costs around €3,000-7,500 annually.
If you want to go deeper, you can check our pack of documents related to the real estate market in Belgium, based on reliable facts and data, not opinions or rumors.
€300,000 buys 2-3 bedroom apartments in most Belgian cities or small houses in Wallonia, with additional costs of €33,000-45,000 in fees and taxes depending on region.
Monthly mortgage payments run approximately €1,392 over 25 years at current 3.85% rates, while rental yields average 4-5% gross in major cities.
| Aspect | Details | Cost Range |
|---|---|---|
| Property Size | 100-160 sqm, 2-3 bedrooms | €300,000 |
| Additional Fees | Registration tax, notary, legal fees | €33,000-45,000 |
| Down Payment | 10-25% depending on residency | €30,000-75,000 |
| Monthly Mortgage | 25-year loan at 3.85% | €1,392 |
| Annual Costs | Maintenance, insurance, taxes | €4,950-11,500 |
| Rental Yield | Gross return on investment | 4-5.2% |
| Renovation Budget | For older properties | €250-1,000/sqm |
How much does an average apartment or small house cost in Belgium right now if I want to buy in the 300k range?
€300,000 positions you well within Belgium's current property market as of September 2025.
The national average apartment price sits at €271,218, while the average house price reaches €355,371. Your €300,000 budget falls comfortably within these ranges, giving you solid options for apartments nationwide and access to smaller houses or properties requiring renovation.
In practical terms, €300k secures modern 2-bedroom apartments in most Belgian cities, 3-bedroom apartments in secondary locations, or 2-3 bedroom houses in Wallonia. Brussels requires more selective searching, typically yielding smaller apartments or older properties needing updates.
The Belgian residential market shows regional price variations of up to 40%, meaning your purchasing power stretches significantly further in certain areas. Antwerp and Ghent suburbs offer better value than city centers, while Walloon cities like Liège and Namur provide the most property for your money.
Which cities or regions in Belgium still have decent properties available under 300k?
Wallonia consistently offers the best value for €300,000 budgets across multiple cities and towns.
**Liège** provides excellent options with 120-160 sqm houses featuring 3 bedrooms, often with gardens or terraces. The city's rental market supports investment properties with yields around 5.0% gross.
**Namur** delivers similar value propositions, offering detached homes and larger apartments within your budget. The region's lower cost of living translates to affordable property maintenance and local services.
**Antwerp suburbs** like Mortsel, Edegem, and Kontich feature 2-3 bedroom apartments and small houses around €280,000-300,000. These areas maintain good transport links to Antwerp city center while offering more space per euro.
**Ghent's surrounding municipalities** including Sint-Amandsberg and Ledeberg present opportunities for apartments and smaller houses. Properties here benefit from Ghent's growing tech sector and university presence.
**Brussels peripheral areas** such as Schaerbeek, Forest, and Saint-Gilles offer entry-level apartments, though houses remain scarce at this price point unless requiring significant renovation.
What size of property and how many bedrooms can I realistically expect for 300k in Belgium?
Property size and bedroom count vary significantly by region, with Wallonia offering the most space for your €300,000 budget.
| Region/City | Typical Size (sqm) | Bedrooms | Property Type |
|---|---|---|---|
| Wallonia (Liège, Namur) | 120-160 | 2-3 | Houses, large apartments |
| Antwerp suburbs | 100-130 | 2-3 | Apartments, small houses |
| Ghent suburbs | 90-120 | 2-3 | Apartments, townhouses |
| Brussels | 60-90 | 2 | Apartments mainly |
| Flanders rural | 110-140 | 2-3 | Houses, renovated farms |
Most properties at this price point include standard amenities like fitted kitchens, central heating, and private parking or garage access. Newer constructions may feature energy-efficient systems, while older properties often provide larger rooms and period features.
Are there hidden costs like registration fees, notary fees, or taxes on top of the 300k purchase price, and how much do they usually add up to?
Additional buying costs add 11-15% to your €300,000 purchase price, varying significantly by region.
**Registration tax** forms the largest component: 6% in Flanders, 12.5% in Brussels and Wallonia. Flanders exempts the first €80,000 for residents, while Wallonia exempts €20,000. These exemptions can save €4,800-10,000 depending on circumstances.
**Notary fees** typically run 0.2-4% of purchase price, averaging 1.2% or approximately €3,600 on a €300,000 property. The notary handles legal transfer, searches, and registration processes.
**Additional costs** include property valuation (€300-500), legal fees (€500-1,000), and mortgage arrangement fees (€500-1,500). Some buyers also pay for independent building surveys (€800-1,200).
**Total impact by region:** - Flanders: €33,000 (11% total) - Brussels: €45,000 (15% total) - Wallonia: €45,000 (15% total)
It's something we develop in our Belgium property pack.
If I need a mortgage, how much down payment do Belgian banks usually require for a 300k property?
Belgian banks typically require 10-20% down payment for residents and 15-25% for non-EU foreigners on a €300,000 property.
**For Belgian residents and EU citizens:** Banks generally accept 10% minimum (€30,000) with strong income proof and credit history. Most lenders prefer 15-20% (€45,000-60,000) for competitive rates and terms.
**For non-EU foreigners:** Requirements increase to 15-25% (€45,000-75,000) depending on residency status, income source, and banking relationship. Some banks require higher deposits for investment properties versus primary residences.
**Income requirements** typically demand net monthly income of 3.5-4 times the proposed mortgage payment. For a €270,000 loan (90% of €300k), monthly payments around €1,392 require minimum net income of €4,872-5,568.
**Additional mortgage costs** include life insurance (often mandatory), property insurance, and bank guarantee fees. These add €100-300 monthly to your housing budget beyond the mortgage payment itself.
Young professionals and first-time buyers may access reduced down payment schemes through regional programs, though these vary by location and change annually.
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What are the typical monthly mortgage repayments on a 300k property in Belgium at today's interest rates?
Monthly mortgage payments on a €300,000 property run approximately €1,392 based on September 2025 interest rates.
**Current mortgage rates** range 3-4% for 20-25 year fixed loans, with 3.85% representing typical market conditions for well-qualified borrowers. Rates vary by bank, loan term, and borrower profile.
**Payment breakdown for €270,000 loan (90% LTV) over 25 years at 3.85%:** - Principal and interest: €1,392/month - Property insurance: €100-400/year (€8-33/month) - Life insurance: €50-150/month - Total monthly housing cost: €1,550-1,675
**Shorter loan terms** reduce total interest but increase monthly payments. A 20-year loan raises payments to approximately €1,585/month while saving €25,000+ in total interest over the loan life.
**Variable rate options** start lower (2.5-3.2%) but carry rate adjustment risk. Most financial advisors recommend fixed rates given current market uncertainty and potential rate increases through 2025-2027.
Banks typically cap total housing costs at 33% of gross household income, meaning you'd need minimum €4,700 gross monthly income for comfortable approval on a €300,000 property purchase.
How do maintenance costs, insurance, and property taxes add to the total yearly budget beyond the purchase price?
Annual property ownership costs beyond mortgage payments range €4,950-11,500 depending on property type, age, and location.
**Maintenance costs** vary significantly: - Modern apartments: €1,200-2,400/year (€100-200/month) - Older apartments: €1,800-3,000/year (€150-250/month) - Houses: €2,400-3,600/year (€200-300/month) - Properties requiring updates: €3,600-6,000/year initially
**Property insurance** runs €100-400 annually depending on coverage level and property size. Basic fire insurance costs €100-200/year, while comprehensive coverage including theft and damage reaches €300-400/year.
**Property taxes** significantly impact annual budgets: - Wallonia: 1.25% base rate plus municipal surcharges (total: 2.5-3.5%) - Brussels: 2.25% base rate plus surcharges (total: 3.5-4.5%) - Flanders: 2.5% base rate plus surcharges (total: 4-5%)
**Annual tax examples for €300,000 property:** - Wallonia: €7,500-10,500 - Brussels: €10,500-13,500 - Flanders: €12,000-15,000
**Additional costs** include utilities if vacant, common area fees for apartments (€50-200/month), and periodic major repairs like roof replacement or heating system updates.
What's the rental yield or potential return if I decide to rent out a 300k property in Belgium?
Belgian rental yields average 4-5.2% gross annually, with net yields around 2.5-3.5% after taxes and expenses for €300,000 properties.
**Gross rental yields by major cities:** - Brussels: 5.4% (€1,350/month average) - Liège: 5.0% (€1,250/month average) - Antwerp: 4.7% (€1,175/month average) - Ghent: 4.3% (€1,075/month average) - Namur: 4.8% (€1,200/month average)
**Net return calculation for €300,000 property:** - Gross rental income: €12,600-16,200/year - Less: Property taxes (€3,750-7,500) - Less: Maintenance and insurance (€1,500-3,000) - Less: Vacancy allowance (5-10% of gross) - Less: Income tax on rental profits - Net annual return: €7,500-10,500 (2.5-3.5%)
**Regional variations** affect yields significantly. Wallonia offers higher percentage returns but potentially slower capital appreciation. Brussels and Antwerp provide lower yields but stronger long-term capital growth prospects.
**Property management costs** add 8-12% of rental income if using professional services, reducing net yields accordingly. Self-managed properties achieve better returns but require time investment for tenant management and maintenance coordination.
It's something we develop in our Belgium property pack.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Belgium versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you're planning to invest there.
How much renovation budget should I expect if I go for an older property within that price range?
Renovation costs for older properties range €250-1,000 per square meter depending on scope and finishes required.
**Light renovation (cosmetic updates):** - Painting, flooring, basic fixtures: €250-500/sqm - 100 sqm apartment example: €25,000-50,000 - Timeline: 2-4 months - Suitable for: Properties from 1980s-2000s needing refresh
**Medium renovation (functional updates):** - Kitchen, bathroom, electrical, plumbing: €500-750/sqm - 100 sqm apartment example: €50,000-75,000 - Timeline: 3-6 months - Suitable for: Properties from 1960s-1980s
**Major renovation (structural work):** - Complete systems, layout changes, insulation: €750-1,000/sqm - 100 sqm apartment example: €75,000-100,000 - Timeline: 6-12 months - Suitable for: Pre-1960s properties or major updates
**Energy efficiency upgrades** qualify for regional subsidies: - Insulation: €15-30/sqm with grants covering 30-50% - Heat pump installation: €8,000-15,000 with €2,000-5,000 rebates - Solar panels: €10,000-20,000 with tax credits and feed-in tariffs
**Professional recommendations:** Always budget additional 15-20% contingency for unexpected issues like structural problems or permit delays. Obtaining multiple quotes and checking contractor credentials prevents cost overruns and quality issues.
Are there government subsidies, tax breaks, or incentives for first-time buyers in Belgium that could make a 300k purchase more affordable?
Belgian regions offer significant first-time buyer incentives that can save €10,000-25,000 on a €300,000 property purchase.
**Flanders incentives (2025):** - Reduced registration fees: 2% for primary residences (vs 6% standard) - Savings on €300k property: €12,000 - Additional 3% rate for single ownership - Conditions: First property ownership, primary residence, 5-year occupancy requirement
**Brussels incentives:** - €200,000 registration tax exemption (first €200k tax-free) - Additional €50,000 exemption for energy renovations - Combined savings potential: €25,000+ on €300k purchase - Income limits apply: €89,000 for singles, €178,000 for couples
**Wallonia incentives:** - Reduced registration fees on first €20,000 - Energy renovation grants: 30-50% of improvement costs - Social housing purchase options in select municipalities - Rural area bonuses for properties outside major cities
**Universal benefits:** - Mortgage interest deduction for primary residences - Energy improvement tax credits (federal level) - Municipal grants for facade improvements in historic areas
**Application requirements** typically include Belgian/EU residency, income documentation, and commitment to occupy as primary residence. Processing times range 2-6 months, so early application prevents closing delays.
How does the resale potential look for a 300k property in Belgium if I want to sell in 5–10 years?
Belgian property values have grown approximately 3% annually nationwide, with regional variations creating different appreciation patterns for €300,000 properties.
**Regional price growth trends (2020-2025):** - Brussels houses: 10-17% annual growth (premium locations) - Brussels apartments: 5-8% annual growth - Antwerp residential: 6-9% annual growth - Ghent properties: 4-7% annual growth - Wallonia: 0-3% annual growth (some areas flat)
**5-year resale projections for €300,000 property:** - Strong growth areas (Brussels, Antwerp): €390,000-450,000 - Moderate growth areas (Ghent, suburbs): €340,000-380,000 - Stable areas (rural Wallonia): €315,000-340,000
**Market liquidity factors** significantly affect resale speed: - Brussels apartments: 3-6 months average sale time - Antwerp suburban houses: 4-8 months - Wallonia properties: 8-15 months depending on location - Energy-efficient properties sell 20-30% faster across all regions
**Resale enhancement strategies** include energy upgrades (EPC rating improvements), modern amenities, and market-timing around seasonal peaks (spring/early summer show highest activity).
**Transaction costs** on resale include notary fees (~1%), energy certificates, and potential capital gains tax for investment properties, reducing net proceeds by 2-4% of sale price.
Compared to renting, is buying a 300k property in Belgium financially smarter over the next 10–15 years?
Buying typically becomes financially advantageous after 8-10 years compared to renting, assuming normal market conditions and long-term occupancy.
**Current rental costs for comparable properties:** - Brussels 2-bedroom: €1,200-1,600/month - Antwerp 2-bedroom: €900-1,300/month - Ghent 2-bedroom: €800-1,200/month - Wallonia 2-3 bedroom: €700-1,000/month - Annual rental increases: 3-4% typically
**15-year financial comparison (€300k property, Antwerp):** - **Buying total cost:** €475,000 (purchase + financing + maintenance) - **Renting total cost:** €485,000 (assuming 3.5% annual increases) - **Net ownership advantage:** €10,000 plus property equity (~€120,000)
**Break-even analysis factors:** - High upfront costs (€45,000 fees + €60,000 down payment) - Monthly ownership costs: €1,675 vs €1,100 initial rent - Property appreciation: 3-6% annually - Rental increases: 3-4% annually - Tax benefits and incentives for owners
**Buying advantages long-term:** - Inflation protection through fixed mortgage payments - Equity building and capital appreciation - Freedom for modifications and improvements - Inheritance asset for family planning
**Renting advantages short-term:** - Lower upfront costs and monthly obligations - Flexibility for job changes or life transitions - No maintenance responsibilities or property taxes - Easier exit strategy if market conditions change
It's something we develop in our Belgium property pack.
Conclusion
This article is for informational purposes only and should not be considered financial advice. Readers are advised to consult with a qualified professional before making any investment decisions. We do not assume any liability for actions taken based on the information provided.
€300,000 provides solid entry into Belgium's property market across multiple regions, with particularly strong value in Wallonia and suburban areas of major cities.
Factor total costs of €375,000-390,000 including fees, down payment, and first-year expenses, with monthly obligations around €1,675 for mortgage, insurance, and taxes combined.
Sources
- InvestRopa - Average House Price Belgium
- Immoweb Price Index
- InvestRopa - Belgium Price Forecasts
- Immovlan - Antwerp Properties Under 300k
- Expatica - Buying Property in Belgium
- InvestRopa - Foreigner Mortgage Belgium
- Global Property Guide - Belgium Taxes and Costs
- Global Property Guide - Belgium Rental Yields
- InvestRopa - Belgium Real Estate Market Trends
- Inside Properties - Brussels Buying Advantages