The eOselya programme: what income do you need to buy a home?

Mortgages under the ‘єОселя’ programme look attractive on paper, but in practice, the key conditions are the level of official income and the region where the property is purchased. How much you need to earn for the bank to approve the loan, what portion of your salary is consumed by the monthly payment, and where the down payment is highest — all of this directly affects the actual affordability of the programme. Find out what income is required to purchase an apartment under the ‘єОселя’ programme in different cities of Ukraine

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When applying for a mortgage under the state programme ‘єОселя’, the key factor for the bank remains the borrower's official income level. It determines whether the loan will be approved, for what amount and with what monthly payment. Market analytics show that even under preferential conditions, the programme is not available to everyone — much depends on the salary and cost of housing in a particular city. This is evidenced by data from LUN.

What income is needed to buy a one-room apartment

Experts recommend that mortgage expenses should not exceed 40-45% of a family's monthly income. This is considered a financially safe level of burden.

If we consider the purchase of a one-room apartment on the primary market costing about UAH 1.5 million, the monthly payment for ‘eOsele’ will be approximately UAH 13-14 thousand. In this case, the minimum total net family income should be no less than UAH 32 thousand per month.

However, in large cities, where housing is significantly more expensive, income requirements increase. In Kyiv, Lviv or Uzhhorod, the minimum income required to participate in the programme can reach UAH 50-60 thousand per month. The final figure depends on the cost of the apartment, the size of the down payment and the loan term.

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Down payment: where it is highest

The size of the initial deposit under the ‘єОселя’ programme varies significantly depending on the region. The highest amounts for a one-room apartment are recorded in Lviv and Uzhhorod — about 765,000 UAH and 686,000 UAH, respectively. In essence, this is the equivalent of more than two years of work if you save your entire salary without any deductions.

At the same time, housing is significantly cheaper in Kharkiv, Zaporizhzhia, and Mykolaiv, so the initial deposit can be saved up in 9–10 months on average. However, the lower price is often associated with increased security risks, which potential buyers also take into account.

How much of your salary does a mortgage eat up?

The financial burden of a mortgage varies greatly from region to region. For example, in Lviv and Uzhhorod, the monthly payment can take up to 79% of the average regional salary, making a mortgage extremely difficult for most families. In Kyiv, the situation is more balanced, with payments amounting to about 43% of income.

At the same time, in Chernihiv or Sumy, a monthly payment of 6–7 thousand UAH is approximately 30% of income, which is considered quite affordable for a specialist with an average salary.

In more complex situations — for example, in the case of multiple sales per year or atypical transactions — it is advisable to consult real estate lawyers at Visit Ukraine, who can help you check the tax implications before signing the contract and avoid mistakes that could result in fines or unnecessary audits.

Reminder! Selling real estate in Ukraine does not always mean that you need to file a tax return. Find out when you do not need to report to the tax office after selling an apartment and when the tax is considered paid automatically.

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