Authored by the expert who managed and guided the team behind the Norway Property Pack
Yes, the analysis of Bergen's property market is included in our pack
Bergen's apartment market is one of Norway's most dynamic, with prices rising faster than most other cities in the country.
This guide breaks down exactly what you'll pay for an apartment in Bergen in 2026, from purchase prices to closing costs, monthly fees, and neighborhood differences.
We constantly update this blog post to reflect the latest data and market changes.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Bergen.
Insights
- Bergen apartment prices grew around 10% year-over-year in 2025, roughly double the national average, making it one of Norway's strongest regional markets heading into 2026.
- The price gap between central Bergen (Sentrum) and outer areas like Arna can exceed 70%, meaning your choice of neighborhood dramatically affects what you can afford.
- Bergen homes sell in about 20 days on average, one of the shortest selling times in Norway, which signals strong buyer competition and frequent bidding wars.
- At around 61,000 NOK per square meter citywide, Bergen remains more affordable than Oslo but has been closing the gap faster than most Norwegian cities.
- Smaller central apartments (under 45 square meters) often have the highest price per square meter because demand from students and young professionals outpaces supply.
- The 2.5% stamp duty on freehold (selveier) properties adds significant costs, for example around 100,000 NOK on a typical 4 million NOK apartment.
- Borettslag (co-op) apartments often have no stamp duty on the purchase itself, but buyers should factor in shared debt (fellesgjeld) which can add hundreds of thousands of NOK to the real cost.
- Bergen's property tax rate in 2026 is 2.6 per thousand, with a 750,000 NOK deduction, meaning a typical apartment pays around 5,000 to 6,000 NOK per year.
- Monthly HOA fees (felleskostnader) in Bergen apartments typically range from 2,500 to 6,500 NOK, often including building insurance and some utilities.
How much do apartments really cost in Bergen in 2026?
What's the average and median apartment price in Bergen in 2026?
As of January 2026, the average apartment price in Bergen is approximately 3.6 million NOK (around $360,000 or €305,000), while the median sits slightly lower at about 3.4 to 3.5 million NOK (roughly $340,000 or €290,000).
When it comes to price per square meter, Bergen apartments average around 61,000 NOK per sqm ($6,050 or €5,185 per sqm), which works out to about 5,670 NOK per square foot ($560 or €480 per sq ft).
Most standard apartments in Bergen fall within a price range of 2.5 to 5 million NOK ($250,000 to $500,000 or €215,000 to €425,000), though central locations and larger units can push well beyond this range.
How much is a studio apartment in Bergen in 2026?
As of January 2026, a typical studio apartment in Bergen costs around 2.1 million NOK (approximately $210,000 or €180,000).
Entry-level to mid-range studios in Bergen generally fall between 1.5 and 2.2 million NOK ($150,000 to $220,000 or €130,000 to €185,000), while high-end or centrally located studios can reach 2.5 to 3 million NOK ($250,000 to $300,000 or €215,000 to €255,000).
Studios in Bergen typically measure between 25 and 35 square meters, which is standard for this property type in Norwegian cities.
How much is a one-bedroom apartment in Bergen in 2026?
As of January 2026, a typical one-bedroom apartment in Bergen costs around 2.8 million NOK (approximately $280,000 or €240,000).
Entry-level to mid-range one-bedroom apartments in Bergen generally fall between 2.2 and 3 million NOK ($220,000 to $300,000 or €185,000 to €255,000), while high-end or luxury one-bedrooms in premium locations can reach 3.5 to 4.5 million NOK ($350,000 to $450,000 or €300,000 to €380,000).
One-bedroom apartments in Bergen typically measure between 40 and 50 square meters, which provides a comfortable living space for singles or couples.
How much is a two-bedroom apartment in Bergen in 2026?
As of January 2026, a typical two-bedroom apartment in Bergen costs around 4 million NOK (approximately $400,000 or €340,000).
Entry-level to mid-range two-bedroom apartments in Bergen generally fall between 3.2 and 4.5 million NOK ($320,000 to $450,000 or €270,000 to €380,000), while high-end or luxury two-bedrooms in central or waterfront locations can reach 5.5 to 7 million NOK ($550,000 to $700,000 or €470,000 to €595,000).
By the way, you will find much more detailed price ranges for apartments in our property pack covering the property market in Bergen.
How much is a three-bedroom apartment in Bergen in 2026?
As of January 2026, a typical three-bedroom apartment in Bergen costs around 5.4 million NOK (approximately $540,000 or €460,000).
Entry-level to mid-range three-bedroom apartments in Bergen generally fall between 4.5 and 5.5 million NOK ($450,000 to $550,000 or €380,000 to €470,000), while high-end or luxury three-bedrooms in premium neighborhoods can reach 7 to 10 million NOK ($700,000 to $1,000,000 or €595,000 to €850,000).
Three-bedroom apartments in Bergen typically measure between 80 and 100 square meters, making them suitable for families who want space without moving to a house.
What's the price gap between new and resale apartments in Bergen in 2026?
As of January 2026, new-build apartments in Bergen typically cost 5% to 15% more than comparable resale apartments, with the gap widening for properties with premium finishes or central locations.
The average price per square meter for new-build apartments in Bergen is around 64,000 to 70,000 NOK ($6,350 to $6,950 or €5,440 to €5,950 per sqm), reflecting modern energy standards and turnkey features.
Resale apartments in Bergen average around 61,000 NOK per sqm ($6,050 or €5,185 per sqm), though well-maintained units in desirable neighborhoods can match or exceed new-build prices.
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Can I afford to buy in Bergen in 2026?
What's the typical total budget (all-in) to buy an apartment in Bergen in 2026?
As of January 2026, the typical all-in budget for a standard two-bedroom apartment in Bergen is approximately 4.1 million NOK ($410,000 or €350,000), which includes the purchase price plus closing costs.
Beyond the apartment price, your all-in budget in Bergen should include document duty (2.5% for freehold properties), registration fees (around 1,100 NOK total), and potentially some small settlement or administrative charges.
We go deeper and try to understand what costs can be avoided or minimized (and how) in our Bergen property pack.
You can also read our dedicated blog article to understand what you can at different budget levels in Bergen.
What down payment is typical to buy in Bergen in 2026?
As of January 2026, the typical down payment for a Bergen apartment is 10% of the purchase price, meaning around 360,000 to 400,000 NOK ($36,000 to $40,000 or €30,500 to €34,000) for an average-priced apartment.
Most Norwegian banks require a minimum down payment of 10% under the current lending regulation (utlånsforskriften), though foreigners without Norwegian credit history may be asked for more.
To secure more favorable mortgage terms and increase your chances of approval in Bergen's competitive market, a down payment of 15% to 20% is often recommended.
You can also read our latest update about mortgage and interest rates in Norway.
We made this infographic to show you how property prices in Norway compare to other big cities across the region. It breaks down the average price per square meter in city centers, so you can see how cities stack up. It’s an easy way to spot where you might get the best value for your money. We hope you like it.
Which neighborhoods are cheapest or priciest in Bergen in 2026?
How much does the price per m² for apartments vary by neighborhood in Bergen in 2026?
As of January 2026, the price per square meter for apartments in Bergen ranges from around 44,000 NOK ($4,360 or €3,740 per sqm) in outer areas to over 74,000 NOK ($7,350 or €6,290 per sqm) in the city center.
The most affordable neighborhoods in Bergen include Arna (around 44,000 NOK/sqm or $4,360/sqm) and Åsane (around 49,000 NOK/sqm or $4,860/sqm), where you get more space for your money but trade off some commute time.
The most expensive neighborhoods in Bergen include Sentrum, Nordnes, and parts of Sandviken, where prices reach 74,000 NOK/sqm ($7,350/sqm or €6,290/sqm) or higher for premium properties with views or waterfront access.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Bergen.
What neighborhoods are best for first-time buyers on a budget in Bergen in 2026?
As of January 2026, the top three neighborhoods for first-time buyers on a budget in Bergen are Arna (including Indre Arna, Garnes, and Ytre Arna), Åsane (including Nyborg, Ulset, and Tertnes), and parts of Laksevåg (including Loddefjord and Olsvik).
In these budget-friendly Bergen neighborhoods, typical apartment prices range from 2 to 3.5 million NOK ($200,000 to $350,000 or €170,000 to €300,000), making homeownership more accessible for first-time buyers.
These neighborhoods offer good public transport links to central Bergen via the Bybanen light rail (Åsane) or local buses, along with local shopping centers, schools, and outdoor recreation areas.
The main trade-off of buying in these outer Bergen neighborhoods is the longer commute to the city center, typically 20 to 40 minutes by public transport, and generally fewer restaurants and nightlife options nearby.
Which neighborhoods have the fastest-rising apartment prices in Bergen in 2026?
As of January 2026, the neighborhoods with the fastest-rising apartment prices in Bergen include Sentrum, Sandviken, Nordnes, and the waterfront redevelopment corridors around Solheimsviken and Damsgårdssundet.
These fast-appreciating Bergen neighborhoods have seen year-over-year price increases of 10% to 12%, outpacing the already strong citywide average of around 10%.
The main driver behind rapid price growth in these Bergen neighborhoods is limited supply combined with strong demand, as new construction in central areas is constrained while buyers compete for walkable locations near jobs and amenities.
You can also read our latest update about property price forecasts in Bergen.
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What extra costs will I pay on top of the apartment price in Bergen in 2026?
What are all the buyer closing costs when you buy an apartment in Bergen?
For a typical freehold (selveier) apartment purchase in Bergen, total buyer closing costs are around 100,000 to 105,000 NOK ($10,000 to $10,500 or €8,500 to €8,900) on a 4 million NOK apartment.
The main categories of closing costs in Bergen include document duty (2.5% for selveier properties), registration fees to Kartverket (around 545 NOK each for the deed and mortgage), and small settlement or administrative charges.
The largest closing cost for buyers of freehold apartments in Bergen is the document duty (dokumentavgift), which at 2.5% of the purchase price represents the vast majority of your closing costs.
Some closing costs in Bergen are fixed by law (like the 2.5% document duty and Kartverket fees), but for borettslag (co-op) purchases, the structure is different since you often avoid the 2.5% stamp duty but may pay co-op transfer fees that vary by building.
On average, how much are buyer closing costs as a percentage of the purchase price for an apartment in Bergen?
For a typical selveier (freehold) apartment in Bergen, buyers should budget approximately 2.6% of the purchase price for closing costs, with the 2.5% document duty making up nearly all of this amount.
The realistic range of closing costs for selveier apartments in Bergen spans from 2.5% to 3% of the purchase price, depending on whether you have additional settlement or administrative fees.
We actually cover all these costs and strategies to minimize them in our pack about the real estate market in Bergen.
For borettslag (co-op) apartments, buyer closing costs are often much lower, typically around 0.2% to 0.5% in public fees, since you generally do not pay the 2.5% document duty when buying a co-op share rather than a deeded unit.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Norway 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.
What are the ongoing monthly and yearly costs of an apartment in Bergen in 2026?
What are typical HOA fees in Bergen right now?
HOA fees (called felleskostnader in Norwegian) are very common for apartments in Bergen and typically range from 2,500 to 6,500 NOK per month ($250 to $650 or €215 to €550 per month).
In basic or older buildings in Bergen, monthly HOA fees are often around 2,500 to 3,500 NOK ($250 to $350 or €215 to €300), while modern buildings with elevators, common areas, or included heating can charge 5,000 to 6,500 NOK ($500 to $650 or €425 to €550) or more.
What utilities should I budget monthly in Bergen right now?
For a typical apartment in Bergen, total monthly utility costs are around 1,600 to 2,800 NOK ($160 to $280 or €135 to €240), depending on apartment size, usage habits, and the season.
The realistic range of monthly utilities in Bergen spans from about 1,200 NOK ($120 or €100) for a small, energy-efficient apartment with low usage to 3,500 NOK ($350 or €300) or more for a larger unit during cold winter months.
Typical monthly utilities in Bergen include electricity (800 to 1,500 NOK), internet (500 to 800 NOK), and sometimes water or waste fees if they are not included in your HOA.
Electricity tends to be the most expensive utility for Bergen apartment owners, especially during winter heating months, though the new Norgespris scheme (40 øre/kWh plus grid fees) can help keep costs more predictable in 2026.
How much is property tax on apartments in Bergen?
For a typical apartment in Bergen, annual property tax (eiendomsskatt) is around 3,000 to 8,000 NOK ($300 to $800 or €255 to €680), depending on the assessed value of your property.
Bergen calculates property tax using a rate of 2.6 per thousand (promille), applied to 70% of your property's assessed value (boligverdi), minus a 750,000 NOK deduction per dwelling unit.
For example, a Bergen apartment with an assessed value of 4 million NOK would have a tax base of 2.8 million NOK (70%), reduced by the 750,000 NOK deduction to 2.05 million NOK, resulting in an annual property tax of about 5,330 NOK ($530 or €455).
If you want to go into more details, we also have a blog article detailing all the property taxes and fees in Bergen.
What's the yearly building maintenance cost in Bergen?
For apartment owners in Bergen, the typical yearly building maintenance cost you pay out of pocket is around 5,000 to 15,000 NOK ($500 to $1,500 or €425 to €1,275), mainly covering items inside your unit.
The realistic range spans from about 3,000 NOK ($300 or €255) per year for a newer apartment with minimal interior work needed, up to 20,000 NOK ($2,000 or €1,700) or more if you plan minor renovations or have an older unit requiring updates.
In Bergen apartments, building maintenance expenses typically include appliance repairs, interior painting, fixtures, and minor plumbing or electrical work inside your unit.
Most building-level maintenance costs in Bergen apartments (exterior repairs, common areas, roof, shared systems) are included in your monthly HOA fees (felleskostnader), so your personal maintenance budget is mainly for private interior items.
How much does home insurance cost in Bergen?
For a typical apartment in Bergen, annual contents insurance (innboforsikring) costs around 1,500 to 4,000 NOK ($150 to $400 or €130 to €340), depending on your coverage level and the value of your belongings.
The realistic range spans from about 1,200 NOK ($120 or €100) per year for basic coverage with higher deductibles, up to 5,000 NOK ($500 or €425) or more for comprehensive coverage with lower deductibles and higher contents limits.
Building insurance in Bergen apartments is typically not your responsibility as an individual owner because it is usually paid through your HOA fees, so you only need to purchase contents insurance for your personal belongings.
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What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Bergen, we always rely on the strongest methodology we can … and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why it's authoritative | How we used it |
|---|---|---|
| Nordvik Bolig | A mainstream brokerage publishing transparent, regularly updated local price statistics. | We used it as our headline Bergen-wide price-per-sqm benchmark for early 2026. We also relied on its methodology (Eiendom Norge + Eiendomsverdi + FINN) to validate our numbers. |
| FINN.no (Bergen Sentrum) | Norway's dominant property marketplace with transaction-based local data. | We used it to anchor real neighborhood-level prices in Bergen Sentrum. We also used FINN's definition of price per sqm (including shared debt) for accurate buyer costs. |
| FINN.no (Åsane) | Same primary marketplace with standardized methodology across all areas. | We used it to illustrate a budget-friendly borough with concrete area-specific prices. We used it as a triangulation point against citywide stats. |
| FINN.no (Arna) | A widely used national platform with comparable local statistics. | We used it to show a second, clearly cheaper Bergen area with actual numbers. We used it to build realistic budget scenarios outside the city core. |
| Statistics Norway (SSB) | Norway's official statistics agency for housing prices and indices. | We used it to ground the article in official housing price concepts. We used it to verify that our local price levels align with Norway's official framework. |
| SSB Electricity Prices | SSB is the official producer of national energy price statistics. | We used it to estimate realistic electricity budgets for Bergen apartments. We used the latest published quarter as our anchor for early 2026 budgeting. |
| Bergen Municipality | The official source for Bergen's property tax rules and rates. | We used it to state Bergen's 2026 property tax rate and deduction. We used its description of the tax base to build accurate worked examples. |
| Skatteetaten | Norway's official tax authority for document duty rules. | We used it to quantify the biggest buyer closing cost: 2.5% document duty. We used it to explain what triggers this fee. |
| Kartverket | The official registry authority for title and registration fees. | We used it to add the fixed registration fees you'll see in a settlement statement. We used the page's latest fee list to keep numbers current for early 2026. |
| Regjeringen.no | The official government announcement describing lending rule changes. | We used it to state the typical minimum down payment assumption in 2026 (10% equity). We used it to explain why banks start their affordability math at that threshold. |
| Finanstilsynet | Norway's financial supervisor explaining how lending regulations apply. | We used it to clarify that banks have limited flexibility quotas. We used it to keep the down payment discussion realistic for foreigners. |
| Lovdata | The standard official publication source for Norwegian laws and regulations. | We used it as the legal source backing our lending rule claims. We used it to verify the government and Finanstilsynet summaries. |
| Eiendom Norge | Represents most Norwegian brokerages and produces monthly price statistics. | We used it to contextualize Bergen's market direction going into 2026. We used it to verify that our local stats are consistent with broader market reporting. |
| Huseierne | A large national homeowner organization summarizing official fees in plain language. | We used it to translate the closing cost story for non-professional buyers. We used it as a readability layer while keeping official sources as numeric anchors. |
| Norwegian Government (Norgespris) | Official government source for the new electricity price scheme in 2026. | We used it to explain the fixed 40 øre/kWh rate available to households in 2026. We used it to help readers understand their electricity cost options. |
| Expatistan | A crowdsourced cost of living database with specific Bergen utility data. | We used it to cross-check utility cost estimates for Bergen apartments. We used it alongside official SSB data for a balanced view. |
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of Norway. As you can see, it breaks down price ranges and property types for popular cities in the country. We hope this makes it easier to explore your options and understand the market.
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