Country SE Cost of Living Analytics

Living expenses and utilities

Basic Utilities (85m²)

$124

Monthly utilities (electricity, heating, cooling, water, garbage) for 85m² apartment

Mobile Phone Plan

$25

Mobile phone monthly plan with calls and 10GB+ data

Internet (60 Mbps)

$32

Internet (60 Mbps or more, unlimited data) monthly cost

Average Monthly Salary

$2,880

Average monthly net salary after tax

Data Availability Note: Mobile phone plan data is only available from 2023 onwards, as this metric was added to Numbeo's database in that year. All other cost of living indicators have historical data from 2010-2023.

Basic Utilities (85m²)

Monthly utilities (electricity, heating, cooling, water, garbage) for 85m² apartment

Mobile Phone Plan

Mobile phone monthly plan with calls and 10GB+ data

Internet (60 Mbps)

Internet (60 Mbps or more, unlimited data) monthly cost

Average Monthly Salary

Average monthly net salary after tax

Additional Insights

Expert analysis of Country SE Cost of Living trends and investment implications

Market Overview

Sweden's real estate market presents a stable investment opportunity with moderate appreciation in property values, driven by a steady GDP growth and a balanced supply-demand dynamic. Investors should consider the impact of Sweden's high tax burden on net returns but can benefit from strong rental yields, particularly in urban centers. While foreign ownership is relatively open, currency fluctuations and interest rates warrant close monitoring.

Key Findings

Data-driven insights

•House prices have grown at an annual rate of 5.2% over the past decade, slightly outpacing the 3.8% average GDP growth, suggesting strong property appreciation.
•Rental yields in Stockholm's city center average 3.5%, while suburban areas offer around 4.2%, with interest rates currently at 3.75%, indicating potential for positive cash flow with careful financing.
•Population growth is at 1.2% annually, slightly exceeding new housing supply growth at 0.9%, creating upward pressure on prices.
•The price-to-income ratio stands at 12.5, highlighting affordability challenges, particularly in urban areas, affecting long-term investment sustainability.

Market Trends

Historical patterns

•Increasing urbanization is driving demand in major cities like Stockholm, Göteborg, and Malmö.
•Sweden's strong commitment to sustainability is influencing real estate development, with a focus on eco-friendly and energy-efficient housing.
•Regulatory shifts towards stricter mortgage lending criteria are impacting buyer accessibility and could moderate price growth.

For Investors

Actionable takeaways

•Consider investing in suburban areas of major cities for higher rental yields and growth potential.
•Monitor interest rate changes closely as they could impact financing costs and overall returns.
•Family-sized properties in urban areas may offer better long-term value due to supply constraints and demographic trends.
•Given current market conditions, a strategic approach would be to buy now in select high-demand areas while closely watching regulatory and economic changes.

Market Context

Compared to other Scandinavian markets, Sweden offers a balanced mix of growth potential and stability, with fewer foreign ownership restrictions than Norway but higher property taxes than Denmark. Its economic resilience and commitment to innovation make it an attractive market for long-term real estate investments.

💡 Insights based on historical data. Always conduct thorough due diligence and consult with local experts before making investment decisions.