Poverty and living standards in Smolenskaya Oblast, Russia: official figures
Banks issued 4,467 mortgage loans to households in Smolensk Oblast in 2025 (22nd lowest of 82 regions by number), down 31.1% on the 6,483 issued in 2024.
What is the average mortgage size in Smolensk Oblast?
A typical new home loan in Smolensk Oblast averaged 3.85 million roubles in 2025, 16.4% below the Russian average and 25th smallest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in Smolensk Oblast?
Mortgage lending in Smolensk Oblast totalled 17.2 billion roubles in 2025, 0.39% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in Smolensk Oblast rising or falling in 2026?
From January to August 2026, 3,215 mortgages were issued in Smolensk Oblast, up 35.4% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in Smolensk Oblast?
The weighted average interest rate on new rouble housing loans in Smolensk Oblast was 11.73% in August 2026, compared with 8.39% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in Smolensk Oblast?
Housing loans granted in Smolensk Oblast in August 2026 ran for 23.5 years on average (282 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Smolenskaya Oblast compares with other first-level divisions
Mortgage loans issued to households (2025)
Smolenskaya Oblast ranks 61 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 58 | Mariy-el Rep. | 4,825 |
| 59 | Tambovskaya Oblast | 4,802 |
| 60 | Ivanovskaya Oblast | 4,582 |
| 61 | Smolenskaya Oblast | 4,467 |
| 62 | Sakhalinskaya Oblast | 4,378 |
| 63 | Chechnya Rep. | 4,311 |
| 64 | Mordoviya Rep. | 4,056 |
Average mortgage loan size (roubles) (2025)
Smolenskaya Oblast ranks 58 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 55 | Orlovskaya Oblast | 3.87 million |
| 56 | Murmanskaya Oblast | 3.86 million |
| 57 | Bashkortostan Rep. | 3.86 million |
| 58 | Smolenskaya Oblast | 3.85 million |
| 59 | Saratovskaya Oblast | 3.83 million |
| 60 | Kirovskaya Oblast | 3.83 million |
| 61 | Vladimirskaya Oblast | 3.81 million |
Average interest rate on new rouble housing loans (August 2026)
Smolenskaya Oblast ranks 3 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 1 | Chechnya Rep. | 14.75% |
| 2 | Ingushetiya Rep. | 12.81% |
| 3 | Smolenskaya Oblast | 11.73% |
| 4 | Samarskaya Oblast | 11.62% |
| 5 | Saratovskaya Oblast | 11.50% |
| 6 | Moskva | 11.30% |
| 7 | Ulyanovskaya Oblast | 11.26% |
More on Smolenskaya 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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