Buy or rent in Luxembourg?
The verdict, town by town.

Buy or rent: the verdict as of 21 October 2026

For 64 towns with enough comparable sales and rentals, Immovalu compares over 15 years the wealth of a buyer with that of a tenant who invests the difference. In 62 towns out of 64, renting and investing the gap comes out ahead; buying wins in 2. The median price-to-rent ratio is 27.4 years of rent.

Assumptions: 20% down payment, 3.86% interest over 25 years, 7% purchase costs, maintenance of 1% and insurance of 0.25% of the value per year, 7% investment return, prices and rents rising 2% a year. The rent compared is the rent including charges actually asked for an equivalent property (80 m² flat).

These results depend heavily on the horizon, the interest rate and the expected return: the interactive view lets you change them. Buying often remains preferable for anyone staying long, wanting protection from rising rents, or who would not actually invest the difference.

Verdict by town

Data as of 21 October 2026, updated daily. Source: Immovalu, based on public listings and the Observatoire de l’habitat. “Asking” prices are those of the listings; “recorded” prices are those of sales registered with a notary (Observatoire de l’habitat), usually lower.