Poverty and living standards in Severnaya Osetiya-alaniya Rep., Russia: official figures
Banks issued 2,658 mortgage loans to households in North Ossetia-Alania in 2025 (9th lowest of 82 regions by number), down 32.4% on the 3,931 issued in 2024.
What is the average mortgage size in North Ossetia-Alania?
A typical new home loan in North Ossetia-Alania averaged 4.59 million roubles in 2025, 0.1% below the Russian average and 21st largest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in North Ossetia-Alania?
Mortgage lending in North Ossetia-Alania totalled 12.2 billion roubles in 2025, 0.27% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in North Ossetia-Alania rising or falling in 2026?
From January to August 2026, 1,577 mortgages were issued in North Ossetia-Alania, up 9.0% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in North Ossetia-Alania?
The weighted average interest rate on new rouble housing loans in North Ossetia-Alania was 9.26% in August 2026, compared with 8.13% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in North Ossetia-Alania?
Housing loans granted in North Ossetia-Alania in August 2026 ran for 25.1 years on average (301 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Severnaya Osetiya-alaniya Rep. compares with other first-level divisions
Mortgage loans issued to households (2025)
Severnaya Osetiya-alaniya Rep. ranks 74 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 71 | Novgorodskaya Oblast | 3,092 |
| 72 | Adygeya Rep. | 2,901 |
| 73 | Kabardino-balkariya Rep. | 2,831 |
| 74 | Severnaya Osetiya-alaniya Rep. | 2,658 |
| 75 | Kalmykiya Rep. | 2,512 |
| 76 | Kamchatskaya Oblast | 2,377 |
| 77 | Karatchayevo-cherkesiya Rep. | 1,817 |
Average mortgage loan size (roubles) (2025)
Severnaya Osetiya-alaniya Rep. ranks 21 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 18 | Kamchatskaya Oblast | 4.65 million |
| 19 | Nenetskiy Okrug | 4.61 million |
| 20 | Adygeya Rep. | 4.60 million |
| 21 | Severnaya Osetiya-alaniya Rep. | 4.59 million |
| 22 | Astrakhanskaya Oblast | 4.44 million |
| 23 | Rostovskaya Oblast | 4.38 million |
| 24 | Novosibirskaya Oblast | 4.37 million |
Average interest rate on new rouble housing loans (August 2026)
Severnaya Osetiya-alaniya Rep. ranks 63 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 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% |
| 66 | Karelya Rep. | 9.19% |
More on Severnaya Osetiya-alaniya Rep.: 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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