Authored by the expert who managed and guided the team behind the Sweden Property Pack
Yes, the analysis of Stockholm's property market is included in our pack
If you're thinking about buying an apartment in Stockholm, you're probably wondering what it actually costs in 2026, and the answer depends a lot on where you look and how big a place you need.
In this guide, we break down everything from average prices to neighborhood comparisons, HOA fees, and hidden costs, so you can plan your budget properly.
We constantly update this blog post to reflect the most recent market conditions in the Stockholm real estate market.
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 Stockholm.
Insights
- Stockholm apartment prices vary nearly fourfold between neighborhoods, with Vasastan-Norrmalm at around 122,000 SEK per sqm and Spånga-Kista at roughly 31,000 SEK per sqm in 2026.
- The average Stockholm apartment sells for around 5.2 million SEK in 2026, but the median is closer to 4.7 million SEK because expensive central apartments skew the average upward.
- New-build apartments in Stockholm typically cost 10% to 20% more than comparable resale units, though developers sometimes offer incentives like free HOA months to offset this premium.
- Buyer closing costs in Stockholm are unusually low compared to most countries, typically just 1% to 2% of the purchase price since there is no stamp duty for apartment (bostadsrätt) purchases.
- HOA fees in Stockholm average around 833 SEK per sqm per year, meaning a 50 sqm apartment costs roughly 3,500 SEK monthly before you add mortgage payments or electricity.
- Stockholm apartments often sell 5% to 15% above asking price in competitive bidding, so your actual budget needs to account for this bidding premium in popular areas.
- The fastest-rising Stockholm neighborhoods in 2026 include Essingen at +5.4% and Södermalm at +5.1% year-over-year, both central areas with strong demand.
- Property tax on Stockholm apartments is handled by the housing association (BRF) and included in your HOA fee, so you do not receive a separate tax bill like house owners do.
- The Swedish government has proposed raising the mortgage cap and easing amortization rules starting later in 2026, which could lower the down payment requirement from 15%.
How much do apartments really cost in Stockholm in 2026?
What's the average and median apartment price in Stockholm in 2026?
As of January 2026, the average apartment price in Stockholm is approximately 5.2 million SEK (around $495,000 or €452,000), while the median sits slightly lower at about 4.7 million SEK (around $448,000 or €409,000) because high-end properties in central districts push the average upward.
When it comes to price per square meter, Stockholm apartments average around 86,200 SEK per sqm ($8,200 or €7,500), which translates to roughly 8,000 SEK per square foot ($763 or €696), and the median price per sqm is closer to 82,000 SEK ($7,800 or €7,100).
Most standard apartments in Stockholm fall within a price range of 2.5 million to 10 million SEK ($238,000 to $952,000 or €217,000 to €870,000), which covers about 80% of transactions from entry-level studios in outer districts to spacious family apartments in central areas.
How much is a studio apartment in Stockholm in 2026?
As of January 2026, a typical studio apartment in Stockholm costs between 2.2 million and 3.0 million SEK ($210,000 to $286,000 or €191,000 to €261,000), depending on location and condition.
Entry-level to mid-range studios in outer districts like Farsta or Hässelby-Vällingby start around 1.5 million to 2.2 million SEK ($143,000 to $210,000 or €130,000 to €191,000), while high-end or centrally located studios in neighborhoods like Södermalm or Vasastan can reach 3.5 million to 4.5 million SEK ($333,000 to $429,000 or €304,000 to €391,000).
Studios in Stockholm typically measure between 25 and 35 sqm, which is smaller than in many other European capitals, so per-sqm prices tend to be at the higher end of the market range.
How much is a one-bedroom apartment in Stockholm in 2026?
As of January 2026, a typical one-bedroom apartment in Stockholm costs between 3.5 million and 4.7 million SEK ($333,000 to $448,000 or €304,000 to €409,000), making it the most common entry point for single buyers or couples.
Entry-level to mid-range one-bedroom apartments in areas like Hägersten or Enskede range from 2.8 million to 4.0 million SEK ($267,000 to $381,000 or €243,000 to €348,000), while high-end one-bedroom units in Östermalm or Kungsholmen can run 5 million to 7 million SEK ($476,000 to $667,000 or €435,000 to €609,000).
One-bedroom apartments in Stockholm typically measure between 40 and 55 sqm, and Swedish listings count rooms differently than some countries, so a "2 rum" (2 rooms) listing is what most foreigners would call a one-bedroom.
How much is a two-bedroom apartment in Stockholm in 2026?
As of January 2026, a typical two-bedroom apartment in Stockholm costs between 5.6 million and 6.9 million SEK ($533,000 to $657,000 or €487,000 to €600,000), making these the most sought-after family-friendly units in the city.
Entry-level to mid-range two-bedroom apartments in outer areas like Skarpnäck or Bromma typically range from 4.5 million to 6.0 million SEK ($429,000 to $571,000 or €391,000 to €522,000), while high-end two-bedroom units in premium neighborhoods like Norrmalm or Södermalm can cost 8 million to 12 million SEK ($762,000 to $1.14 million or €696,000 to €1.04 million).
By the way, you will find much more detailed price ranges for apartments in our property pack covering the property market in Stockholm.
How much is a three-bedroom apartment in Stockholm in 2026?
As of January 2026, a typical three-bedroom apartment in Stockholm costs between 7.8 million and 9.5 million SEK ($743,000 to $905,000 or €678,000 to €826,000), though prices vary widely because these larger units are found in both premium central areas and more affordable suburbs.
Entry-level to mid-range three-bedroom apartments in districts like Farsta-Vantör or Hässelby-Vällingby range from 5.5 million to 7.5 million SEK ($524,000 to $714,000 or €478,000 to €652,000), while high-end three-bedroom units in Östermalm or Vasastan can reach 12 million to 18 million SEK ($1.14 million to $1.71 million or €1.04 million to €1.57 million) or more.
Three-bedroom apartments in Stockholm typically measure between 90 and 110 sqm, and because larger apartments are relatively scarce in central Stockholm, they often command premium prices beyond simple size calculations.
What's the price gap between new and resale apartments in Stockholm in 2026?
As of January 2026, new-build apartments in Stockholm typically sell at a premium of 10% to 20% above comparable resale units, though this gap can narrow when developers offer incentives like free HOA months or upgraded finishes.
The average price per sqm for new-build apartments in Stockholm is approximately 95,000 to 103,000 SEK ($9,000 to $9,800 or €8,300 to €9,000), reflecting the premium for modern energy standards and no immediate renovation needs.
Resale apartments in Stockholm average around 86,200 SEK per sqm ($8,200 or €7,500), though prices vary significantly by neighborhood, building age, and condition, with well-maintained central units often rivaling new-build prices.
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Can I afford to buy in Stockholm in 2026?
What's the typical total budget (all-in) to buy an apartment in Stockholm in 2026?
As of January 2026, the typical all-in budget to buy a standard apartment in Stockholm is around 5.3 million to 5.5 million SEK ($505,000 to $524,000 or €461,000 to €478,000), which includes the purchase price of a typical 5.2 million SEK apartment plus closing costs and initial reserves.
Beyond the purchase price, your all-in budget should include buyer closing costs of 1% to 2% (roughly 50,000 to 105,000 SEK), a cash buffer of one to two months of housing costs, and any immediate moving or setup expenses like home insurance and broadband installation.
We go deeper and try to understand what costs can be avoided or minimized (and how) in our Stockholm property pack.
You can also read our dedicated blog article to understand what you can at different budget levels in Stockholm.
What down payment is typical to buy in Stockholm in 2026?
As of January 2026, the typical down payment to buy an apartment in Stockholm is 15% of the purchase price, which means roughly 780,000 SEK ($74,000 or €68,000) for a 5.2 million SEK apartment, plus you'll need cash for closing costs on top of that.
The minimum down payment required by Swedish regulation is 15%, because banks are capped at lending a maximum of 85% of the property value under rules set by Finansinspektionen (FI), Sweden's financial supervisory authority.
To secure the most favorable mortgage terms, many Stockholm buyers aim for a 20% to 30% down payment, as this reduces the mandatory amortization requirements and often results in better interest rates from Swedish banks.
You can also read our latest update about mortgage and interest rates in Sweden.
We made this infographic to show you how property prices in Sweden 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 Stockholm in 2026?
How much does the price per m² for apartments vary by neighborhood in Stockholm in 2026?
As of January 2026, apartment prices per sqm in Stockholm range from roughly 31,000 SEK ($2,950 or €2,700) in the most affordable outer districts to around 122,000 SEK ($11,600 or €10,600) in the most expensive central neighborhoods, creating a nearly fourfold difference across the city.
The most affordable neighborhoods in Stockholm are Spånga-Kista at around 31,000 SEK per sqm ($2,950 or €2,700), Hässelby-Vällingby at roughly 38,000 SEK per sqm ($3,600 or €3,300), Farsta-Vantör at about 47,000 SEK per sqm ($4,500 or €4,100), and Brännkyrka-Skärholmen at approximately 47,000 SEK per sqm ($4,500 or €4,100).
The most expensive neighborhoods in Stockholm are Vasastan-Norrmalm at around 122,000 SEK per sqm ($11,600 or €10,600), Östermalm at roughly 120,000 SEK per sqm ($11,400 or €10,400), Södermalm at about 106,000 SEK per sqm ($10,100 or €9,200), and Kungsholmen at approximately 105,000 SEK per sqm ($10,000 or €9,100).
By the way, we've written a blog article detailing what are the current best areas to invest in property in Stockholm.
What neighborhoods are best for first-time buyers on a budget in Stockholm in 2026?
As of January 2026, the top three neighborhoods best suited for first-time buyers on a budget in Stockholm are Spånga-Kista, Hässelby-Vällingby, and Farsta-Vantör, all of which offer significantly lower entry prices while still being within Stockholm municipality.
In these budget-friendly Stockholm neighborhoods, you can find studios and small one-bedroom apartments starting from 1.5 million to 2.5 million SEK ($143,000 to $238,000 or €130,000 to €217,000), which is less than half the cost of comparable units in central districts.
These neighborhoods offer practical amenities including metro connections to central Stockholm, local shopping centers, green spaces, and schools, making them livable options for buyers who prioritize affordability over a central address.
The main trade-off when buying in these budget-friendly Stockholm neighborhoods is longer commute times of 30 to 45 minutes to the city center, and in some areas, you'll need to carefully review the BRF's (housing association's) financial health since low prices sometimes reflect high HOA fees or upcoming renovations.
Which neighborhoods have the fastest-rising apartment prices in Stockholm in 2026?
As of January 2026, the top three neighborhoods with the fastest-rising apartment prices in Stockholm are Essingen, Södermalm, and the broader Centrala Stockholm area, all showing year-over-year gains that outpace the city average.
Essingen leads with approximately +5.4% year-over-year growth, followed by Södermalm at about +5.1%, and Centrala Stockholm and Vasastan-Norrmalm both at roughly +3.1%, according to the latest 12-month price change data.
The main driver behind rapid price growth in these Stockholm neighborhoods is a combination of limited supply in desirable central locations, strong demand from professionals seeking walkable urban living, and continued interest from both domestic and international buyers who value established, well-connected areas.
You can also read our latest update about property price forecasts in Stockholm.
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What extra costs will I pay on top of the apartment price in Stockholm in 2026?
What are all the buyer closing costs when you buy an apartment in Stockholm?
The estimated total buyer closing cost for a typical apartment purchase in Stockholm is roughly 50,000 to 105,000 SEK ($4,800 to $10,000 or €4,300 to €9,100), which is notably lower than in many other countries because Swedish apartments (bostadsrätter) don't carry the stamp duty that house purchases do.
The main categories of closing costs buyers must pay in Stockholm include BRF administrative fees (transfer fee and pledge fee), bank and mortgage setup costs (loan arrangement fee, potential valuation fee), and moving and setup expenses (home insurance, broadband installation).
The typically largest closing cost for apartment buyers in Stockholm is the combination of bank fees and any optional professional services like a lawyer or property inspection, since the BRF-specific fees are relatively modest at a few thousand SEK each.
Some closing costs are negotiable or variable in Stockholm, particularly the bank arrangement fee which can often be reduced through negotiation, and the decision to hire a lawyer or commission a detailed property inspection is entirely optional, though recommended for foreign buyers.
On average, how much are buyer closing costs as a percentage of the purchase price for an apartment in Stockholm?
The estimated typical percentage of the purchase price that buyers should budget for closing costs in Stockholm is 1% to 2%, which is significantly lower than most European countries because Swedish apartment buyers don't pay stamp duty.
The realistic low-to-high percentage range that covers most standard Stockholm apartment transactions is 0.8% at the low end (if you skip optional services and negotiate hard on bank fees) to about 2.5% at the high end (if you hire a lawyer, commission a full inspection, and include generous moving and setup costs).
We actually cover all these costs and strategies to minimize them in our pack about the real estate market in Stockholm.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Sweden 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 Stockholm in 2026?
What are typical HOA fees in Stockholm right now?
HOA fees (called "avgift" in Swedish) are very common and essentially universal for apartment owners in Stockholm because nearly all apartments are bostadsrätter, which means you own a share in a housing cooperative that charges monthly fees to cover building expenses.
As of January 2026, typical monthly HOA fees in Stockholm average around 833 SEK per sqm per year (roughly 69 SEK per sqm per month), which translates to approximately 2,100 SEK ($200 or €183) monthly for a 30 sqm studio, 3,500 SEK ($333 or €304) for a 50 sqm one-bedroom, and 5,200 SEK ($495 or €452) for a 75 sqm two-bedroom.
The realistic range of HOA fees in Stockholm runs from about 2,500 SEK ($238 or €217) monthly for well-managed buildings with low debt to 6,000 to 8,000 SEK ($571 to $762 or €522 to €696) monthly for luxury buildings with premium amenities or older buildings with high debt and upcoming renovations.
What utilities should I budget monthly in Stockholm right now?
The estimated total monthly utility cost for a typical apartment in Stockholm is roughly 700 to 1,500 SEK ($67 to $143 or €61 to €130), depending on what's included in your HOA fee and how large your apartment is.
The realistic range of monthly utility costs in Stockholm spans from about 500 SEK ($48 or €43) for a small apartment where heating and water are included in HOA fees, up to 2,000 SEK ($190 or €174) or more for a larger apartment with electric heating or where you pay for heat separately.
The typical monthly utility budget in Stockholm includes electricity (usually 400 to 600 SEK for a small apartment), broadband and TV (200 to 400 SEK, sometimes included in HOA), and home insurance (150 to 250 SEK), while heating and water are often (but not always) included in your HOA fee.
Electricity tends to be the most significant variable utility cost for Stockholm apartment owners because it's almost always billed separately, and costs have fluctuated with broader European energy market conditions in recent years.
How much is property tax on apartments in Stockholm?
The estimated typical annual property tax paid directly by an apartment owner in Stockholm is zero SEK because for bostadsrätt apartments, the housing association (BRF) pays any applicable property fees on behalf of the building, and this cost is built into your monthly HOA fee rather than billed separately to you.
Property tax in Sweden for housing associations is calculated as a municipal fee (kommunal fastighetsavgift) of 0.75% of the assessed tax value, capped at approximately 1,600 SEK per dwelling unit annually, and this is paid by the BRF and spread across all unit owners through the HOA fee.
Since property tax is absorbed into the BRF's budget, Stockholm apartment owners don't experience the typical range of property tax bills that house owners do, though indirectly your share might represent a few hundred SEK per month embedded in your HOA fee.
If you want to go into more details, we also have a blog article detailing all the property taxes and fees in Stockholm.
What's the yearly building maintenance cost in Stockholm?
The estimated typical yearly building maintenance cost for apartment owners in Stockholm is effectively included in your HOA fee rather than charged separately, so you should think of your annual HOA payments (roughly 25,000 to 62,000 SEK or $2,380 to $5,900 or €2,170 to €5,400 depending on apartment size) as covering both operating costs and maintenance reserves.
The realistic range of what goes toward maintenance within your HOA varies significantly, from well-funded BRFs that set aside healthy reserves to those with deferred maintenance that will eventually require special assessments or fee increases, so always check the association's financial statements before buying.
Building maintenance expenses typically covered through your Stockholm HOA fee include routine repairs, elevator maintenance, stairwell cleaning, facade upkeep, roof repairs, plumbing and electrical system maintenance, and contributions to a long-term renovation fund.
In the Swedish bostadsrätt system, building maintenance is almost always included in the HOA fee rather than charged separately, which is why checking the BRF's debt level and planned renovations is so important, as these directly impact whether your monthly fee will increase.
How much does home insurance cost in Stockholm?
The estimated typical annual home insurance cost for an apartment in Stockholm is 1,800 to 3,000 SEK ($171 to $286 or €157 to €261), which covers a standard hemförsäkring (home insurance) policy including the bostadsrättstillägg (condo supplement) that protects your ownership interest.
The realistic range of annual home insurance costs in Stockholm runs from about 1,500 SEK ($143 or €130) for basic coverage on a small apartment with modest contents, up to 4,000 SEK ($381 or €348) or more for comprehensive coverage on a larger apartment with valuable belongings or special riders.
Home insurance is not strictly mandatory by law in Stockholm, but it's mandatory in practice because Swedish banks require it for mortgaged properties, and your BRF will typically require you to have the bostadsrättstillägg component that covers your interior fixtures and improvements.
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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 Stockholm, 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 |
|---|---|---|
| Svensk Mäklarstatistik | It's the main market feed in Sweden built from real broker contracts and processed with SCB. | We used it as our anchor for actual sold prices in Stockholm. We also used its district breakdown to compare neighborhoods. |
| Valueguard HOX | HOX is Sweden's best-known housing price index with transparent methodology and wide coverage. | We used it to cross-check market direction beyond raw averages. We treat it as a second opinion on market momentum. |
| Finansinspektionen (FI) | FI is Sweden's financial regulator, so its description of mortgage rules is the reference point. | We used it to set the typical minimum down payment requirement. We also used it to explain why buyers need significant cash before fees. |
| Finansinspektionen Amortization Rules | This is the actual binding regulatory text describing amortization thresholds. | We used it to explain how amortization works above 50% and 70% loan-to-value. We showed why monthly costs exceed just interest. |
| Swedish Government (Regeringen) | This is the government's own policy communication on upcoming mortgage rule changes. | We used it to flag what may change later in 2026. We still write "as of January 2026" but highlight the policy pipeline. |
| Statistics Sweden (SCB) | SCB is Sweden's national statistics agency and the gold standard for official data. | We used it to ground the new-build versus resale discussion. We use it as a reality check on cost pressure in new development. |
| HSB Stockholm | HSB is one of Sweden's biggest housing co-op organizations and compiles systematic BRF economics. | We used it to estimate typical HOA fees in Stockholm. We also converted figures into monthly budgets for common apartment sizes. |
| Konsumenternas Energimarknadsbyrå | It's a consumer authority body backed by public institutions publishing practical utility benchmarks. | We used it to estimate monthly electricity costs for different apartment sizes. We treat it as a baseline for utility budgeting. |
| Konsumentverket | Konsumentverket is Sweden's consumer agency publishing standard budget references many banks use. | We used it to structure realistic monthly budgeting for ongoing costs. We treat it as a sensible framework for non-professionals. |
| Skatteverket | Skatteverket is the Swedish Tax Agency, so it's definitive on who pays what tax. | We used it to explain why apartment owners don't pay separate property tax. We connected it to why HOA fees matter so much. |
| City of Stockholm | It's official city reporting that helps explain supply conditions in Stockholm. | We used it as background context on new supply trends. We keep it supportive rather than as the main pricing source. |
| Hemnet | Hemnet is Sweden's dominant property listing portal with the most comprehensive market coverage. | We used it to validate listing patterns and price ranges. We cross-checked typical sizes and asking prices against our estimates. |
| Konsumenternas | It's an independent consumer comparison service for financial products including insurance. | We used it to estimate home insurance costs. We validated coverage requirements against typical BRF and bank expectations. |
| Bostadsrätterna | It's the national organization supporting BRFs with guidance on governance and financial health. | We used it to understand BRF financial health indicators. We applied their guidance when explaining what to check before buying. |
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of Sweden. 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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