Poverty and living standards in Kaluzhskaya Oblast, Russia: official figures
Banks issued 6,281 mortgage loans to households in Kaluga Oblast in 2025 (33rd lowest of 82 regions by number), down 31.4% on the 9,153 issued in 2024.
What is the average mortgage size in Kaluga Oblast?
A typical new home loan in Kaluga Oblast averaged 4.30 million roubles in 2025, 6.5% below the Russian average and 29th largest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in Kaluga Oblast?
Mortgage lending in Kaluga Oblast totalled 27.0 billion roubles in 2025, 0.61% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in Kaluga Oblast rising or falling in 2026?
From January to August 2026, 4,447 mortgages were issued in Kaluga Oblast, up 32.0% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in Kaluga Oblast?
The weighted average interest rate on new rouble housing loans in Kaluga Oblast was 10.62% in August 2026, compared with 8.38% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in Kaluga Oblast?
Housing loans granted in Kaluga Oblast in August 2026 ran for 23.5 years on average (282 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Kaluzhskaya Oblast compares with other first-level divisions
Mortgage loans issued to households (2025)
Kaluzhskaya Oblast ranks 50 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 47 | Yamalo-nenetskiy Okrug | 6,683 |
| 48 | Amurskaya Oblast | 6,670 |
| 49 | Tverskaya Oblast | 6,539 |
| 50 | Kaluzhskaya Oblast | 6,281 |
| 51 | Tomskaya Oblast | 6,270 |
| 52 | Bryanskaya Oblast | 6,168 |
| 53 | Lipetskaya Oblast | 5,916 |
Average mortgage loan size (roubles) (2025)
Kaluzhskaya Oblast ranks 29 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 26 | Khanty-mansyiskiy Okrug | 4.36 million |
| 27 | Mordoviya Rep. | 4.36 million |
| 28 | Tyumenskaya Oblast | 4.30 million |
| 29 | Kaluzhskaya Oblast | 4.30 million |
| 30 | Tomskaya Oblast | 4.29 million |
| 31 | Belgorodskaya Oblast | 4.26 million |
| 32 | Kaliningradskaya Oblast | 4.25 million |
Average interest rate on new rouble housing loans (August 2026)
Kaluzhskaya Oblast ranks 27 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 24 | Moskovskaya Oblast | 10.69% |
| 25 | Tverskaya Oblast | 10.66% |
| 26 | Nizhegorodskaya Oblast | 10.64% |
| 27 | Kaluzhskaya Oblast | 10.62% |
| 28 | Ryazanskaya Oblast | 10.58% |
| 29 | Tambovskaya Oblast | 10.56% |
| 30 | Volgogradskaya Oblast | 10.56% |
More on Kaluzhskaya 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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