The director of Zhilfond named the types of real estate worth up to 1 million rubles.

Average price of 1 sq.m. The cost of housing on the secondary market in all regions of Russia in the first quarter of 2025 amounted to 126.5 thousand rubles. Of course, the growth was not uniform across all regions. Alexander Chernokulsky, director of Zhilfond, told Izvestia about this on June 27.

Nevertheless, according to him, the overall situation has changed, and if 1 million rubles three years ago seemed like a solid amount that would be enough to purchase your own home in a small town with a population of up to 100 thousand people, today it is more like a start-up capital for a down payment on a mortgage.

"At the same time, the high key rate makes mortgages unaffordable for most. Therefore, those who do not have enough money for an apartment prefer to place money on deposits: 1 million will turn into 1.2 million in a year," the expert said.

Less than half: 6 of the 10 largest banks lowered mortgage rates in June

But they're still a barrier, and the payouts are falling.

He explained: in economics, there is a concept of real and nominal money, the funds on deposit are nominal, due to inflation, 1.2 million in a year will be less than 1 million today in real terms. Real estate or, for example, gold, is real money, and its value increases with inflation.

"No one can say how much the property will cost in a year. It depends on many factors, but history shows that investing even a small amount in a property is a great way to save and, most importantly, fix savings in real money," the specialist noted.

The analytical center of the company studied the offers on the real estate market to find where you can invest money today if you have only 1 million rubles.

In Russian cities with a population of even up to 100 thousand, it is unlikely that you will be able to buy an apartment with this money. If you want a separate apartment, Chernokulsky noted, then you can consider purchasing an old low-rise house in a village, village or small town. For example, in the Moscow region, in the city of Ozery, 122 km from the MKAD, it will be a studio apartment with an area of 26.2 square meters, located in a one-story house, where major repairs need to be made.

In the Leningrad region, for 1 million there are options to buy an apartment in a village 90-125 km from the ring road. In Novosibirsk, Kaluga, Chelyabinsk, Arkhangelsk and other regions, it will be a small apartment from 17 to 29 square meters. m in a village or village in a low-rise building, where financial investments in repairs are also required.

"A much more interesting option for saving money may be to buy part of an apartment. You can consider buying a room in a communal apartment or a dormitory with a shared kitchen, or a share in the apartment. For example, in the Moscow region, 80 km from the MKAD, you can buy a room in a three-room apartment with an area of 14.2 square meters with cosmetic repairs," the expert suggested.

There are more objects in the suburban real estate market in the regions of Russia for 1 million rubles than it might seem. In the Moscow region, for this money, you can buy a plot with a country house for demolition or in need of repair in a farming co-op or village. The size of the plot depends on the distance from the MKAD: up to 100 km — 6 acres, from 110 km and above — 8-10 acres.

In the Leningrad region, for the amount under consideration, you can buy a summer cottage with amenities on the street on a plot of 6-9 acres. In most regions, you can apply for a country house in a farming co-op or village on a plot of 6-10 acres. The specialist warned that all options most often involve additional financing for utilities, house repairs, fences and landscaping.

However, without additional investments from real estate in all regions of Russia, you can buy a garage for 1 million today: in Moscow it will be a parking space in a multi-level covered parking in a residential area, in large Russian cities such as Novosibirsk or Nizhny Novgorod, a detached garage or parking space.

And in medium-sized cities (up to 200 thousand people), you can find more budget options even for 200-300 thousand rubles.

On June 26, Metrium experts told Izvestia that 39 comfort, business and premium class projects are represented in the primary market of Old Moscow within walking distance (up to 10 minutes) from two or more metro stations.