Date: February 26, 2025

The Amsterdam housing market remains a hot topic, both for buyers and sellers. In recent years, we have seen sharp price increases, fluctuations in supply and changing regulations. But what else awaits us in 2025? In this blog, we discuss the main trends and expectations for the Amsterdam housing market in this year.

Continued rise in house prices Amsterdam?

Recent forecasts point to continued price increases in the Amsterdam housing market 2025. For example, De Nederlandsche Bank expects an increase of 7.5% for 2025 dnb.nl, while Rabobank foresees an increase of 9.2% vastgoedactueel.nl. These developments are driven by factors such as an ongoing housing shortage and rising incomes.

However, the Amsterdam housing market experienced a price decline of about 2% in the first seven months of 2024. This may indicate a temporary correction in the market, with buyers more cautious due to rising mortgage rates and economic uncertainties. Nevertheless, economists expect this decline to be short-lived and prices to rise again in 2025, in part due to continued scarcity and increasing household purchasing power.

Impact of stricter regulations in the city

The government continues to intervene in the housing market with new regulations. Consider the continued expansion of buyout protection and stricter rental regulation. This means that investors are cautious about buying homes for rent, which may increase the number of homes available for sale to individuals. At the same time, this may lead to a decrease in supply in the rental market, making renting more expensive.

Increasing demand for sustainable housing

Sustainability is playing an increasing role in the housing market. Buyers are looking more often for energy-efficient homes with a good energy label. Homes that score poorly on sustainability will be more difficult to sell and may lose value. In addition, subsidies and financing options for sustainability remain an important factor in the purchase decision.

Influence of mortgage rates on the housing market in Amsterdam

Mortgage interest rates play a crucial role in housing affordability, and in early 2025 we see a clear shift here. Where previously interest rates were expected to stabilize or even decline, they have actually risen. This is mainly due to rising capital market interest rates caused by economic uncertainty, rising energy prices and geopolitical tensions. This has increased financing costs for banks, which is directly passed on to homebuyers.

Specifically, for buyers, this means that borrowing becomes more expensive. First-time buyers and middle-income families will be hit hardest, as their maximum mortgage will be lower and their monthly costs will rise. This may force them to adjust their housing requirements or wait longer before buying. Move-up buyers with excess equity experience less impact, as they are often less dependent on external financing and can secure a home with a smaller mortgage. 

Changing housing needs and suburbanization

More and more Amsterdam residents are looking outside the city for affordable housing. Regions such as Haarlem, Almere and Hoofddorp remain popular for homebuyers looking for more space and lower prices. Still, the city's appeal remains strong, especially for young professionals and expats seeking a vibrant environment.

Continued pressure on the start-up market

It remains difficult for first-time buyers to gain a foothold. Despite various schemes such as the expanded NHG limit and tax breaks for buyers under 35, supply remains limited and competition high. This means that starters often have to make concessions in their housing requirements or be creative in their financing.

More regulation in the rental market

Stricter rent regulation and decreased willingness of private landlords to invest are potentially reducing supply in the free sector. This could lead to further increases in rents, especially in the middle segment.

The Amsterdam housing market: recent price decline and changing buying preferences 

The Amsterdam housing market has experienced a price decline of about 2% over the past seven months. Despite this decline, recent reports predict a reversal of this trend for 2025. For example, banks including ABN AMRO expect house prices to rise 7% in 2025, followed by a further 3% increase in 2026 (as described earlier in the blog).

Specific dynamics in Amsterdam

Amsterdam remains an attractive city for both national and international buyers, which keeps housing demand high. The limited supply of building land and strict regulations make it difficult to expand the housing supply, contributing to price pressure. Although prices have fallen by about 2% over the past seven months, there is still strong interest in high-quality homes. Buyers are especially looking for homes that have been recently remodeled and look tiptop. This means that well-finished homes with modern amenities are selling better than dated properties that still need renovation.

What does this mean for buyers and sellers?

• For buyers: Continued price increases mean that speed and strategic action remain important. Consider carefully which home fits your budget and take into account rising financing costs. Sustainability is becoming an increasingly important factor in the value of a home.
• For sellers: Demand for housing in Amsterdam remains high, especially in sought-after neighborhoods. This means that well-positioned and sustainable homes remain attractive to buyers. A thoughtful sales strategy and competitive pricing remain essential to maximize returns.

Want to know what these developments mean for your home or are you looking for advice on buying or selling in Amsterdam Center? Amsterdam at Home Brokers is ready for you!

📞 Call us at 020-3080650
📧 Email us at info@makelaaramsterdam.nl
🌍 View our housing offerings here .

Source: DNB, Vastgoedactueel, actuals, Rabobank, ABN AMRO