Investment property in the Netherlands: what to buy and what it costs
Three-room apartment in Heerlerheide district
$337,000
An 85 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Heerlerheide in northern Heerlen, with shops, schools and buses to the centre and the station. Heerlen lies in the south of Limburg province next to Maastricht and the German border, and homes here are among the most affordable in the country. Apartments are rented by families and staff of hospitals and colleges.
Two-room apartment in Korrewegwijk district
$376,000
A 60 m² two-room apartment - a living room and a bedroom, a kitchen and a balcony in Korrewegwijk in north-eastern Groningen, a few minutes by bike from the centre. Groningen has a university and a university of applied sciences with tens of thousands of students, and small apartments here are let all year round.
Three-room apartment in Roombeek district
$395,600
An 80 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Roombeek north of the centre of Enschede, a district of new buildings, parks and workshops, with buses to the University of Twente and the station. Apartments here are rented by university staff, engineers and families.
Three-room apartment in Charlois district
$407,200
A 75 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Charlois on the south bank of the Maas, with trams and the metro to central Rotterdam. Rotterdam is the largest port in Europe, and apartments here are rented by port and company staff, students and families.
Three-room apartment in Escamp district
$456,300
An 80 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Escamp in south-western The Hague, with trams to the centre and the station, parks and shops. The Hague is home to the government, international courts and organisations, so apartments here are rented by their staff and families.
Three-room apartment in Woensel district
$472,700
An 80 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Woensel in northern Eindhoven, with shops, parks and buses to the centre and the station. Eindhoven is the centre of the country's high-tech industry, and apartments here are rented by engineers and programmers from many countries.
Three-room apartment in Overvecht district
$542,000
A 75 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Overvecht in northern Utrecht, with a suburban train station and buses to the centre. Utrecht is the country's transport hub and a major university city, and apartments here are rented by students, young professionals and couples.
Two-room apartment in Nieuw-West district
$596,800
A 60 m² two-room apartment - a living room and a bedroom, a kitchen and a balcony in Nieuw-West in western Amsterdam, with trams and the metro to the centre, parks and shops. Amsterdam is the largest rental market in the country, and apartments here do not stand empty.
What properties investors buy in the Netherlands
Above are the most interesting offers selected by our experts. The manager will find a property that fits your requirements.
Apartments for sale in Amsterdam, Utrecht, Rotterdam, The Hague, Eindhoven, Groningen, Enschede and Heerlen, rental yield, taxes, transaction costs and the purchase rules for foreigners.
A foreigner of any nationality buys an apartment in the Netherlands with no permits, and ownership is registered in your name in the Land Registry. The average home sold in the country in the third quarter of 2026 cost $563,600, an apartment $462,200 and a home in Amsterdam $727,700. A three-room apartment costs $337,000 in Heerlen and $407,200 in Rotterdam, and letting in Amsterdam brings about 5% a year before tax.
This page covers two-room apartments in Groningen and Amsterdam, three-room apartments in Heerlen, Enschede, Rotterdam, The Hague, Eindhoven and Utrecht, prices by city, rental yield, taxes, transaction costs and the purchase rules. In the Netherlands the living room counts as a room: a three-room apartment is a living room and two bedrooms. The manager will confirm what is on sale today and the exact price.
The market in brief
Prices and rules as of 2026.
How much an apartment in the Netherlands costs in 2026
Home prices in the Netherlands are quoted in euros. According to Statistics Netherlands, in the third quarter of 2026 the average home sold cost 502,982 euros, about $563,600, an apartment 412,466 euros, about $462,200, and prices rose 3.4% over the year. Amsterdam is the most expensive at $727,700 on average, Utrecht is $660,900, The Hague $556,400 and Rotterdam $496,500. In southern Limburg a home costs $411,000 on average, 1.8 times less than in Amsterdam.
| City or region | Average home sold | Prices year on year |
|---|---|---|
| Amsterdam | ~$727,700 | +1% |
| Utrecht | ~$660,900 | +2% |
| Eindhoven and surroundings | ~$576,500 | +2% |
| The Hague | ~$556,400 | +4.4% |
| Rotterdam | ~$496,500 | +2.9% |
| Twente, Enschede | ~$482,500 | +4.8% |
| Groningen and province | ~$458,600 | +3.9% |
| Southern Limburg, Heerlen | ~$411,000 | +3.1% |
Statistics Netherlands data on average sale prices of existing homes for the third quarter of 2026; «Prices year on year» is the change in the price index against the third quarter of 2025. Euros converted at the European Central Bank rate of 1.1205 dollars per euro on 22 October 2026, dollars rounded.
What yield letting brings
The gross yield of long-term letting in Amsterdam is about 5% a year before tax. Since 2024 the Affordable Rent Act also caps rents in the middle segment: the maximum for an apartment is set by housing quality points, so we calculate the yield on the maximum rent for the specific apartment. Two-room apartments near universities are rented by students and young professionals, and three-room apartments by couples and families.
| Tax | Rate |
|---|---|
| Letting an apartment | no separate tax on rent: a let home is taxed in box 3 - 36% of a deemed return of 6% of the value, about 2.16% of the value a year |
| Selling an apartment | no separate tax on the gain from the sale, the box 3 tax replaces it |
| Annually | municipal property tax and water board tax |
Data for 2026: yield for Amsterdam; the country comparison is in the rental yield table.
Non-resident owners of homes in the Netherlands also pay the box 3 tax and file a return once a year. Rates, boxes and examples are on the taxes in the Netherlands page.
What costs to add to the property price
| Payment | Amount |
|---|---|
| Transfer tax | 8% of the price for a home to let and a second home; 2% if you live in the home yourself; 0% for buyers aged 18-35 buying their first home to live in up to 555,000 euros |
| Notary | usually 1,000-2,300 euros, ~$1,200-2,600 |
| Land Registry registration | the Land Registry fee for recording the right, paid through the notary |
| Building upkeep | a monthly contribution to the apartment owners' association, separate from taxes |
Data for 2026. In total about 9% of the price on top of the price of an apartment to let; an agent, valuation and bank transfer fees are paid separately. The manager calculates the total for a specific property.
In the Netherlands the apartment and the letting rules are checked before the preliminary contract
Mistakes cost more than the transaction: buying to let in a city with buy-to-let protection without a permit, a points-based rent below expectations, land under the building leased from the municipality and paid for separately, a transaction the notary stopped on a source-of-funds check. Murblz support removes these risks: we find an apartment for your budget and goal, check the municipal rules and the apartment's points, calculate the tax and yield, agree the payment route and run the transaction at the notary until the right is registered in your name.
The cost of support depends on the purchase budget and the goal - letting or a home for yourself; the manager will calculate it in the chat.
Buying with no restrictions, letting under municipal rules
A foreigner of any nationality buys an apartment in the Netherlands with no permits and without residence. The notary handles the transaction: the money goes through the notary's account, and the right is registered in your name in the Land Registry. Letting is regulated by municipalities: in many cities an affordable home can be let in the first four years after purchase only with a permit, so we check the letting rules and the apartment's points before the preliminary contract.
Buying an apartment does not give residence: residence by investment has been closed since 17 April 2024, and status is obtained through work, business, study or family. For citizens of Russia and Belarus without residence in the European Union, banks do not accept deposits over 100,000 euros, and the notary checks the buyer against sanctions lists, so we agree the payment route before the deposit. Status conditions are on the Netherlands residence permit page, and the manager will send a selection of apartments for your goal to the chat.
How we select a property
- Budget and goal: letting or a home for yourself. The manager clarifies the city, district and type of building.
- Buyer's documents: passport, proof of the source of funds for the notary and an account for the transaction.
- A selection of real properties and checks: the Land Registry record, mortgage, municipal ground lease, letting rules and the apartment's points - before the preliminary contract.
- The transaction at the notary: preliminary contract, payment through the notary's account, notarial deed and registration of the right in your name in the Land Registry.
The manager sends the selection to the chat, with sellers' prices on the date of the selection.
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More on buying in this country:
- Property in the Netherlands for foreigners: search and legal checks
- Buying an apartment in the Netherlands: prices and taxes
- Netherlands residence permit: grounds and documents
- Taxes in the Netherlands
- How to send money to the Netherlands
- Company registration in the Netherlands
- Amsterdam: what to see and whether to move there
- Netherlands: all programs
All countries and budgets compared - on the page Investment property abroad.
FAQ
How much does an apartment in the Netherlands cost in 2026?
Can a foreigner buy an apartment in the Netherlands?
Does buying property in the Netherlands give residence?
What yield does letting an apartment in the Netherlands bring?
What tax is paid when buying property in the Netherlands?
What are the costs of buying property in the Netherlands?
What is buy-to-let protection in the Netherlands?
Where to buy an apartment for investment in the Netherlands?
Don’t want to figure this out alone?
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