Changes in the one‑bedroom market over the year
Regional demand has reshuffled price tags for one‑bedroom flats. Western and central regional centres have played a key role in driving housing prices over the past year.
The biggest rises were in Lutsk by $12 000, Vinnytsia by $11 200 and Lviv by $11 000. Uzhhorod added $10 700, while Ternopil and Ivano‑Frankivsk approached the nine‑thousand mark with increases of $9 900 and $9 200 respectively. On Finance.ua you can insure your own or rented home against the consequences of military actions and strike damage 🏠 Details here.
Comparison table: then and now for key market positions
Below is a simple summary table showing annual changes and current average prices where available. The table helps convey the difference between the market a year ago and today.
| Indicator | Then | Now |
|---|---|---|
| Record increase | a year ago prices in Lutsk were lower by $12 000 | Lutsk has now added $12 000 over the year |
| Strong regional growth | previously western cities had lower growth rates | now Vinnytsia added $11 200, Uzhhorod added $10 700 |
| Most expensive among regional centres | a year ago Lviv was cheaper by $11 000 | now the average price in Lviv is $75 000 |
| Most affordable city | a year ago Zaporizhzhia was also the most affordable | now the average price in Zaporizhzhia is $16 000 |
Such a table does not provide every value for each city but shows the main trends. For some entries sources provide absolute average prices and annual changes, allowing zonal comparisons.
How rental changes combine with purchase
The rental market behaves differently from the purchase market. In Kyiv and Odesa over the last month rents for one‑bedroom flats have fallen, visible in both percentage and hryvnia terms.
Specifically, in Kyiv one‑bedroom flats fell by 3% and now cost on average 18 000 hryvnia per month. In Odesa the price fell by 11% to 13 400 hryvnia. Meanwhile, in the western regions purchase prices continue to rise.
The «єОселя» mortgage and regional differences
The preferential mortgage programme єОселя simplifies the path to home ownership, but the level of initial capital and monthly commitments differs by city. That means the ability to use the programme heavily depends on regional housing costs.
According to materials from Finance.ua, the programme has different regional requirements, and LUN (ЛУН) calculated average indicators for 2‑room apartments that fit the conditions of єОселя. Those calculations help compare mortgage affordability across regional centres.
