Buying or Renting: The Real Estate Dilemma in 2025

Buying: investing in your future and in yourself

Buying means building wealth over time. Each monthly repayment brings you closer to full ownership, with the potential for capital gains. It also provides housing security — no sudden rent increases or lease terminations. As an owner, you have autonomy: renovate, redecorate, or extend as you wish.

In 2025, the average house price in Belgium is €355,371, with significant regional variation:

• Wallonia: €281,069

• Flanders: €379,737

• Brussels: €589,280

That’s an average increase of 7.8% compared to last year.

That said, buying requires a substantial down payment, added costs (notary, taxes, agency fees) and a mortgage that usually spans 15 to 25 years. Interest rates are slightly declining and currently range from 2.75% to 3.05% (as of May 2025), depending on borrower profiles.

Selling can also take time and carries risks, particularly in a fluctuating market.

Despite reductions in registration duties (3% in Wallonia and 2% in Flanders), buyers still often need nearly a decade to offset these initial costs — limiting their freedom to resell quickly.

Renting: freedom first

Renting allows greater flexibility on long-term mortgage, minimal upfront costs, and the ability to move when needed (with proper notice). It's well-suited to young professionals, mobile workers, and those who value flexibility.

In 2024, average rent in Brussels reached €1,321 (+5% from 2023), while in Wallonia it was €827. But renting means no equity. And you're subject to the landlord’s rules, rent hikes, lease changes, or restrictions on renovations.

How to make the right choice

• Length of stay: Less than 5–7 years? Buying may not be worth it.

• Financial stability: You’ll need solid savings and reliable income.

• Market conditions: In some cities, high purchase prices make renting more practical.

• Lifestyle: Do you crave flexibility or prefer long-term roots?

In Brussels, an 80 m² apartment costs around €3,400/m² to buy, versus €1,200/month to rent.

No one-size-fits-all answer, only informed choices !

Buying or renting isn’t just about numbers. It’s about lifestyle, future goals, and how much risk you’re willing to take.

At Engel & Völkers, we know every situation is unique. Our experts take the time to listen, analyse, and guide you with clarity and care.

Invest with confidence. Invest wisely.