The average prices for apartments in the secondary real estate market in Ukraine show a trend of increase in most regions, with particularly noticeable growth in the eastern part of the country. Despite this, housing is gradually becoming more affordable for Ukrainians: the ratio of apartment prices to the average salary is decreasing.
This is reported by Finway
Housing Affordability: Positive Dynamics in Most Cities
According to analysts, the first half of 2025 saw an increase in prices for secondary housing in most regions. The highest percentage growth was recorded in eastern cities, which remain the most dangerous due to military actions.
At the same time, the housing affordability index, calculated as the ratio of the average local salary to the average apartment price, has improved in almost all of Ukraine. According to LUN and Work.ua, in most major cities, the number of years required to save for a one-room apartment is decreasing. For example, in Kyiv, at the beginning of July 2025, it takes an average salary saved over 7.6 years to buy a one-room apartment, whereas at the beginning of the year this figure was 8.2 years — an improvement in affordability of 7%. In Lviv, the index fell from 9.6 to 8.8 years of salary (an improvement of 8%), while in Khmelnytskyi it decreased from 6.1 to 5.5 years (a reduction of 10%).
In frontline cities, housing is traditionally the most affordable: in Zaporizhzhia and Kherson, a one-room apartment costs about three average annual salaries, while in Mykolaiv and Kharkiv it costs approximately 3.5. However, in the cities of Rivne, Dnipro, and Odesa, the affordability index slightly worsened in the first half of 2025 — by 2–3%.
Price Situation and Regional Disparities
According to LUN, in Lviv, the price of two-room apartments in the secondary market has changed little over six months, while in Kyiv it has only increased by 2%. This indicates some stabilization of prices in these cities.
“This may indicate that in the first half of 2025, prices in these regions have reached a sort of plateau. While the future direction of price movement will, of course, depend on the overall security situation in the country, currency fluctuations, and the general level of inflation, we are currently seeing some stabilization of prices for such apartments in these cities,” LUN comments.
Analysts emphasize that the increase in the average price of apartments in most regions indicates the secondary market’s adaptation to wartime risks. Now, inflation and currency fluctuations have a greater impact on pricing than just the security situation in specific cities.
The real estate market has split into two parts. In frontline regions, the average price of a one-room apartment remains the lowest: in Zaporizhzhia — $17,000, Mykolaiv — $20,000, Kharkiv — $22,500. Meanwhile, in safer regions, prices exceed these figures by 2–3 times: in Kyiv, a one-room apartment costs $65,000, in Lviv — $64,900, in Uzhhorod — $62,800, and in Chernivtsi — $50,900.
In the two-room apartment segment, the gap is even more significant: in the east, prices range from $23,000 to $30,000, while in the west, they exceed $90,000. Experts attribute this imbalance to the consequences of the war.
It is worth noting that even among relatively safe regions, there is a difference: a one-room apartment in Lviv costs an average of $64,900, in Uzhhorod — $62,800, while in Ivano-Frankivsk and Ternopil — $38,000, and in Khmelnytskyi — $35,500.