Experts have recorded an increase in demand for spacious country houses

In the first half of this year, about 40% of market mortgage loans accounted for suburban real estate, experts from Domclick reported based on an analysis of mortgage transactions by Sberbank. At the same time, borrowers are increasingly opting for more spacious housing.

The main result of the first half of 2026 is an increase in the availability of suburban mortgages. The average transaction receipt ranged from 5.5–6.1 million rubles, and the average monthly payment of the borrower decreased from 46.6 thousand rubles in January 2025 to 43.4 thousand rubles in June 2026. A short-term increase in the average monthly payment was recorded in February-March 2026, when the market adapted to new conditions after high demand and the share of market mortgages increased sharply, where the average payment is slightly higher. By June, however, the amount of payments began to decrease again, and the amount of mortgage payments began to grow.

In both market and preferential mortgages, houses with an area of 50 to 100 square meters remain the most popular format. However, in the segment of ready-made houses, the share of objects with an area of more than 100 square meters. The share in preferential programs is significantly higher — 58% against 30% at market rates. The average cost of a house purchased under preferential programs is 6.8 million rubles with a loan amount of about 6 million rubles. In a market mortgage, the average price of an object is significantly lower — 3.8 million rubles, and the loan amount is 2.7 million rubles.

Over the past year and a half, borrowers' preferences have shifted towards more spacious housing. Since the beginning of 2025, the share of houses ranging from 100 to 150 square meters. m increased from 25% in January 2025 to 38% in June 2026. And interest in large cottages ranging from 150 to 200 square meters increased from 6.9% to 9.1%. At the same time, the share of compact properties with an area of less than 50 square meters decreased: in January 2025, almost every fifth loan (17.1%) was issued for such real estate, then by the end of the first half of 2026, this indicator stabilized at about 8-10%.