Apartment prices in Ljubljana reached a new record of €4,448/m² in Q2 2025, higher than last year, while the national average stands at €3,266. Transactions are rising, listings are fewer, and mortgage rates remain favorable, supporting demand. Housing affordability has slightly improved but remains low. Analysts do not expect significant price drops.
Ljubljana remains a hotspot of the Slovenian real estate market this year as well. The latest data from the analytical company Arvio reveal that the average price per square meter of an apartment in the second quarter of 2025 reached a record €4,448, which is 2.2% more than in the first quarter and 3.3% more than in the same period last year.
On a national level, prices also increased – the average square meter of an apartment rose to €3,266, representing a 13% growth compared to last year.
More Transactions, Fewer Listings
The number of transactions in Ljubljana has been rising for the third consecutive quarter – by more than 10% in the last three months. At the same time, the number of active listings is declining; compared to last year, there are over 20% fewer ads on property portals.
The gap between asking and achieved prices has narrowed slightly to around 10%, meaning that sellers are willing to make concessions – but only to a certain extent.
Housing Loans: Still Favorable Interest Rates
Buyers can currently count on average fixed interest rates of around 2.87%, lower than last year. In practice, banks are often willing to reduce rates by an additional 0.5 to 0.7 percentage points. This has boosted demand – in the first half of the year, almost one billion euros in new housing loans were approved, one of the highest figures in the past five years.
Housing Affordability: A Slight Improvement
Assuming an average salary, a 20% down payment, and a 20-year repayment period, an individual in Ljubljana can currently afford around 30 m² of living space – slightly more than in previous quarters, but still far less than in the past.
What’s Next?
The macroeconomic outlook remains favorable: salaries continue to rise, unemployment is at a record low of 3.2%, and household savings have surpassed €28 billion. Analysts therefore do not expect major price fluctuations – significant price drops are unlikely, while further growth will be limited.
Apartment prices in Ljubljana are at record levels, demand remains strong, and interest rates still offer relatively favorable financing conditions. If you are considering buying, now is the right time to explore your options.
Source: Finance.si
