Poverty and living standards in Penzenskaya Oblast, Russia: official figures
Banks issued 7,830 mortgage loans to households in Penza Oblast in 2025 (39th highest of 82 regions by number), down 26.3% on the 10,629 issued in 2024.
What is the average mortgage size in Penza Oblast?
A typical new home loan in Penza Oblast averaged 3.77 million roubles in 2025, 18.0% below the Russian average and 21st smallest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in Penza Oblast?
Mortgage lending in Penza Oblast totalled 29.5 billion roubles in 2025, 0.66% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in Penza Oblast rising or falling in 2026?
From January to August 2026, 5,395 mortgages were issued in Penza Oblast, up 38.2% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in Penza Oblast?
The weighted average interest rate on new rouble housing loans in Penza Oblast was 9.83% in August 2026, compared with 7.95% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in Penza Oblast?
Housing loans granted in Penza Oblast in August 2026 ran for 24.4 years on average (293 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Penzenskaya Oblast compares with other first-level divisions
Mortgage loans issued to households (2025)
Penzenskaya Oblast ranks 39 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 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 |
| 41 | Vologodskaya Oblast | 7,505 |
| 42 | Ulyanovskaya Oblast | 7,492 |
Average mortgage loan size (roubles) (2025)
Penzenskaya Oblast ranks 62 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 59 | Saratovskaya Oblast | 3.83 million |
| 60 | Kirovskaya Oblast | 3.83 million |
| 61 | Vladimirskaya Oblast | 3.81 million |
| 62 | Penzenskaya Oblast | 3.77 million |
| 63 | Tambovskaya Oblast | 3.77 million |
| 64 | Karelya Rep. | 3.76 million |
| 65 | Ivanovskaya Oblast | 3.74 million |
Average interest rate on new rouble housing loans (August 2026)
Penzenskaya Oblast ranks 53 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 50 | Chukotskiy Okrug | 9.96% |
| 51 | Yamalo-nenetskiy Okrug | 9.87% |
| 52 | Sankt-peterburg | 9.86% |
| 53 | Penzenskaya Oblast | 9.83% |
| 54 | Stavropolskiy Kray | 9.75% |
| 55 | Tyumenskaya Oblast | 9.71% |
| 56 | Krasnodarskiy Kray | 9.70% |
More on Penzenskaya 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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