Poverty and living standards in Kaliningradskaya Oblast, Russia: official figures
Banks issued 8,085 mortgage loans to households in Kaliningrad Oblast in 2025 (37th highest of 82 regions by number), down 22.0% on the 10,366 issued in 2024.
What is the average mortgage size in Kaliningrad Oblast?
A typical new home loan in Kaliningrad Oblast averaged 4.25 million roubles in 2025, 7.5% below the Russian average and 32nd largest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in Kaliningrad Oblast?
Mortgage lending in Kaliningrad Oblast totalled 34.4 billion roubles in 2025, 0.77% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in Kaliningrad Oblast rising or falling in 2026?
From January to August 2026, 5,366 mortgages were issued in Kaliningrad Oblast, up 26.3% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in Kaliningrad Oblast?
The weighted average interest rate on new rouble housing loans in Kaliningrad Oblast was 9.36% in August 2026, compared with 7.35% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in Kaliningrad Oblast?
Housing loans granted in Kaliningrad Oblast in August 2026 ran for 22.2 years on average (266 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Kaliningradskaya Oblast compares with other first-level divisions
Mortgage loans issued to households (2025)
Kaliningradskaya Oblast ranks 37 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 34 | Arkhangelskaya Oblast | 9,589 |
| 35 | Belgorodskaya Oblast | 9,427 |
| 36 | Zabaykalsky Kray | 8,204 |
| 37 | Kaliningradskaya Oblast | 8,085 |
| 38 | Kirovskaya Oblast | 7,899 |
| 39 | Penzenskaya Oblast | 7,830 |
| 40 | Astrakhanskaya Oblast | 7,543 |
Average mortgage loan size (roubles) (2025)
Kaliningradskaya Oblast ranks 32 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 29 | Kaluzhskaya Oblast | 4.30 million |
| 30 | Tomskaya Oblast | 4.29 million |
| 31 | Belgorodskaya Oblast | 4.26 million |
| 32 | Kaliningradskaya Oblast | 4.25 million |
| 33 | Kurskaya Oblast | 4.25 million |
| 34 | Nizhegorodskaya Oblast | 4.20 million |
| 35 | Tulskaya Oblast | 4.19 million |
Average interest rate on new rouble housing loans (August 2026)
Kaliningradskaya Oblast ranks 62 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 59 | Novgorodskaya Oblast | 9.61% |
| 60 | Khakasiya Rep. | 9.54% |
| 61 | Pskovskaya Oblast | 9.37% |
| 62 | Kaliningradskaya Oblast | 9.36% |
| 63 | Severnaya Osetiya-alaniya Rep. | 9.26% |
| 64 | Kamchatskaya Oblast | 9.24% |
| 65 | Kurskaya Oblast | 9.20% |
More on Kaliningradskaya Oblast: overview · economy and jobs · government budget · government and politics · Russia
Sources
- Bank of Russia: Volume of mortgage housing loans granted to resident individuals, by federal subject, monthly (million roubles), read 23 October 2026 · saved copy (SHA-256 dd8b0b9c3a28…)
- Bank of Russia: Weighted average term and interest rate on housing loans granted to resident individuals, by federal subject, monthly, read 23 October 2026 · saved copy (SHA-256 c79bc01eed4d…)
- Bank of Russia: Number of mortgage housing loans granted to resident individuals, by federal subject, monthly, read 23 October 2026 · saved copy (SHA-256 aaf91ddb85b3…)
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