European Housing Affordability Gap
The single number mortgage, proptech and REIT desks track: house-price growth minus wage (labour-cost) growth, per European country per quarter. Above zero = homes outpacing pay and affordability worsening; below = wages catching up. Derived by joining Eurostat house prices to the labour-cost index - the price-to-earnings pressure gauge behind every affordability crisis headline. Licence-clean and AI-training-safe.
- Source
- derived
- Licence
- Redistributable open data
- Updates
- Quarterly
- Data through
- 2026-01-01
- Quality
- QC clean · 0 failures
- Format
- Apache Parquet + dictionary
Safe to train on
Built only from a named, redistributable official source under a documented open licence - not scraped web data. No copyright grey zone, no personal data. Ships machine-readable Croissant metadata (ML Commons - loads in Hugging Face / Kaggle / Google), an AI training-licence manifest documenting source, licence and provenance for your model's data governance, and a machine-readable data dictionary (drop it into an agent / RAG prompt so the model knows every column) - all inspectable before you buy.
What's included
- Affordability gap = house-price annual % - wage (labour-cost) annual %, per country × quarter
- >0 = homes outpacing pay (affordability worsening); <0 = wages catching up
- Every European country, quarterly; joins to house-prices, wages, housing-conditions
- Derived from Eurostat HPI + Labour Cost Index; licence-clean & AI-training-safe
- Source: Eurostat (CC-BY-4.0)
Schema
| Column | Type | Description | Filled | Distinct |
|---|---|---|---|---|
| zone | str | Geo / country code (DE, FR, NL, …) | 100.0% | 28 |
| ts | timestamp (UTC) | Quarter start | 100.0% | 81 |
| affordability_gap_pp | float | House-price growth - wage growth (pp) | 100.0% | 1,353 |
| unit | str | Unit | 100.0% | 1 |
| res_min | int | Native resolution (quarterly) | 100.0% | 1 |
Sample & preview
Every purchase ships as Apache Parquet with a data dictionary and the full QC report. A free sample (first rows + schema) is downloadable here - confirm fit before you buy. Source: derived (redistributable open data; attribution passes through - see our Licence).
Don't trust screenshots - drop the sample into your notebook right now.
import pandas as pd df = pd.read_parquet("european-housing-affordability_sample.parquet") df.info() # typed columns, gap-aware, ready to join⬇ Download free Parquet sample or CSV for Excel
Coverage: 28 zones
AT · BE · BG · CY · CZ · DE · DK · EE · ES · FI · FR · HR · HU · IE · IS · IT · LT · LU · LV · MT · NL · NO · PL · PT · RO · SE · SI · SK
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