RRE Dashboard
The dashboard includes a set of indices used by the National Bank of Slovakia to follow and assess the development on the residential real estate market. This market is very important in case of Slovakia, both from the perspective of macroeconomy and financial stability. Home ownership is very high and housing loans form a large part of the banks’ assets. The list includes composite indices, housing affordability indices and macroeconomic models estimating fundamental prices or studying the impact of different shocks on real estate prices. A methodological note in the form of NBS occasional paper is published together with the list of indices, including the methodology, a short economic interpretation and data used for the indices. The list of indices is regularly revised and thus can be adjusted in the future.
Composite index
According to the composite index, housing prices are gradually moving away from their equilibrium level. Last year, housing prices increased more than the prices of other goods and services for the first time in three years, exceeding household income growth as well. At the same time, household debt relative to their earnings increased. Further rises in the index are being restrained by developments in the residential construction sector.
2025Q4
Regional housing affordability index
Price developments in the fourth quarter of 2025 led to a slight deterioration in overall housing affordability. After experiencing a significant rise in housing prices, Košice Region again became the region with the least affordable housing. In Trnava Region, a favourable trend of gradually improving affordability was observed throughout 2025, and by the end of the year it had even surpassed Bratislava Region. In Nitra Region, by contrast, the trend was exactly the opposite.
2025Q4
Decomposition of inverse housing affordability index
Housing affordability changed only marginally by the end of the 4th Quarter 2025 and remains at deteriorated levels.
2025Q4
Borrowing capacity indicator
Housing affordability in Slovakia did not change significantly in the last quarter of 2025. A slight improvement was observed in regions with slower property price growth, particularly in the Trnava and Prešov regions. Conversely, a slight decline in affordability was seen in the Banská Bystrica region due to slower wage growth, and in the Košice region due to faster property price increases.
2025Q4
Last updated on 22 Apr 2026