Poverty and living standards in Tomskaya Oblast, Russia: official figures
Banks issued 6,270 mortgage loans to households in Tomsk Oblast in 2025 (32nd lowest of 82 regions by number), down 26.7% on the 8,556 issued in 2024.
What is the average mortgage size in Tomsk Oblast?
A typical new home loan in Tomsk Oblast averaged 4.29 million roubles in 2025, 6.7% below the Russian average and 30th largest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in Tomsk Oblast?
Mortgage lending in Tomsk Oblast totalled 26.9 billion roubles in 2025, 0.60% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in Tomsk Oblast rising or falling in 2026?
From January to August 2026, 4,653 mortgages were issued in Tomsk Oblast, up 41.9% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in Tomsk Oblast?
The weighted average interest rate on new rouble housing loans in Tomsk Oblast was 10.28% in August 2026, compared with 7.18% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in Tomsk Oblast?
Housing loans granted in Tomsk Oblast in August 2026 ran for 23.6 years on average (284 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Tomskaya Oblast compares with other first-level divisions
Mortgage loans issued to households (2025)
Tomskaya Oblast ranks 51 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 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 |
| 54 | Dagestan Rep. | 5,778 |
Average mortgage loan size (roubles) (2025)
Tomskaya Oblast ranks 30 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 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 |
| 33 | Kurskaya Oblast | 4.25 million |
Average interest rate on new rouble housing loans (August 2026)
Tomskaya Oblast ranks 37 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 34 | Omskaya Oblast | 10.43% |
| 35 | Voronezhskaya Oblast | 10.31% |
| 36 | Novosibirskaya Oblast | 10.30% |
| 37 | Tomskaya Oblast | 10.28% |
| 38 | Bashkortostan Rep. | 10.27% |
| 39 | Kirovskaya Oblast | 10.27% |
| 40 | Leningradskaya Oblast | 10.27% |
More on Tomskaya 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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