Penza region was on the 38th place in the rating on the availability of mortgages

Penza region took 38th place among Russian regions in terms of mortgage availability. According to experts, 20.7% of families in the region can buy an apartment with a housing loan at a market rate. Monthly they would have to give the bank an average of 57.6 thousand rubles.

Such data are given in the rating of regions on the availability of mortgages, prepared by experts of RIA Rating based on information from the Central Bank, Rosstat and Sberindex.

The indicator of the Penza region was slightly higher than the average Russian. In general, 20.2% of families have the opportunity to buy an apartment in a mortgage at a market interest rate. At the same time, the average settlement payment is much higher than Penza – 85.9 thousand rubles per month.

Among the neighboring regions, the Penza region was ahead of the Ulyanovsk and Saratov regions, as well as Mordovia. The Ulyanovsk region is located on the 40th place: a mortgage there is available to 20.4% of families with a monthly payment of 59 thousand rubles. Next, on the 41st line, is the Saratov region – 20.1% of families and 57.7 thousand rubles, respectively.

Notably lower was the Republic of Mordovia, which took 53rd place. 17.9% of families can buy housing in a mortgage at a market rate, and the settlement payment is 63.2 thousand rubles monthly.

The leaders of the rating were mainly Northern and Far Eastern regions. The first place was taken by the Yamalo-Nenets Autonomous Okrug, where mortgages are available to 55.7% of families. The average monthly payment is estimated at 86.3 thousand rubles.

In second place is the Khanty-Mansiysk Autonomous Okrug – Ugra. There, 52.5% of families can afford a housing loan, and an average of 63.1 thousand rubles must be paid for it monthly. The Chukotka Autonomous Okrug took third place with an indicator of 48.3%, despite the highest payment among the top five - 103.6 thousand rubles.

In the Murmansk region, which is located in fourth place, a mortgage is available to 47.5% of families, and the settlement payment is 55.1 thousand rubles. The Magadan region closes the top five: 44.7% of families can buy an apartment on credit, the monthly payment is estimated at 98 thousand rubles.

When compiling the rating, experts assessed not just the cost of housing, but the financial ability of families to simultaneously pay a mortgage and cover everyday expenses. The calculations were carried out for the purchase of an apartment of 60 square meters in the secondary market of their region with a down payment of 30%.

Regional salaries, the subsistence minimum, the cost of housing, interest rates and loan terms were taken into account. It was assumed that the family could allocate for mortgage payment 70% of the income remaining after deducting the subsistence minimum for each member, and the remaining 30% for other expenses. House prices and mortgage rates as of August 2026 were used for the calculations.

According to the results of the study, mortgages under market conditions are available only to about one in five families in the Penza region.