95.2% Say It Is Difficult For An Average Person to Buy A Home, Esprimi Study Finds

A recent Esprimi Housing Report reveals that while just over half of Maltese residents own their homes, affordability remains a pressing issue.

The study found that 51.6% of people in Malta fully own their homes, while 24.6% share ownership with someone else.

Meanwhile, 12.6% do not own a home but intend to buy, and 11.2% neither own nor plan to purchase property.

Despite Malta’s high homeownership rate, the path to get there is becoming increasingly difficult. 95.2% of respondents believe it is hard for an average person to buy a home today.

The main obstacles include high property prices (34.1%), difficulty obtaining loans (15.2%), and the large deposits required (14.9%).

Many also cite an inability to maintain their desired lifestyle (14.2%) and high interest rates (12.5%) as significant deterrents.

The data also highlight generational differences in ownership. Among 25–34-year-olds, only 42.3% fully own their homes, compared to 54.9% in the 35–44 age group and 73.0% among those aged 55–64. These figures reflect growing economic pressures on younger generations striving to enter Malta’s property market.

Overall, the report underscores a widening affordability gap and a housing landscape where ownership remains a cultural norm but an increasingly difficult goal for many Maltese citizens.

#MaltaDaily x Esprimi