Senegal: housing

What are mortgage rates in Senegal?

The average interest rate on new bank loans for property in Senegal was 7.38% in August 2026, up from 7.26% in July, according to the BCEAO's Monthly Statistical Bulletin for August 2026. The figure covers loans whose purpose is property (immobilier).

The BCEAO publishes average lending rates by purpose each month for all eight West African Economic and Monetary Union countries. In August 2026, property loans in Senegal cost slightly less than consumer loans (7.65%). The rates reflect the BCEAO's policy rates (3.00% minimum bid rate since March 2026) plus bank margins. No official house price or rent index for Senegal was found on official sites, checked on 15 October 2026.

Official sources: Monthly Statistical Bulletin for August 2026

What is Senegal's urbanisation rate?

The UN Population Division puts the share of people living in urban areas in Senegal at 55.8% in 2025. That is the highest since at least 2005. It is 14th highest of 48 in Sub-Saharan Africa, where the median is 44.9%. Worldwide: 121st of 193.

What share of Senegal's city dwellers live in slums?

In 2022, the share of city dwellers living in slums in Senegal was 46.4%, according to UN-Habitat. Since 2006 it has ranged from 31.6% (2020) to 56.5% (2006). Across Sub-Saharan Africa the middle value was 48.7%, and Senegal placed 32nd highest of 48. Of 170 countries with 2022 data, 43rd highest.

What share of people in Senegal have electricity?

The World Bank puts the share of people with access to electricity in Senegal at 82.9% in 2024. No year since 2005 has been higher. Across Sub-Saharan Africa the middle value was 57.8%, and Senegal placed 9th highest of 48. Of 193 countries with 2024 data, 146th highest.

How many people in Senegal have clean water?

The latest figure from WHO and UNICEF, for 2024, is 27.2%. It is the top of the series, which starts in 2005. Sub-Saharan Africa median: 27.2%; Senegal is 13th highest of 25. Of 134 countries with 2024 data, 117th highest.

How many people in Senegal have a safe toilet?

The latest figure from WHO and UNICEF, for 2024, is 30.1%. That is the highest since at least 2005. It is 10th highest of 29 in Sub-Saharan Africa, where the median is 23.6%. Of 134 countries with 2024 data, 101st highest.

What is access to clean cooking in Senegal?

According to the WHO, the share of people using clean cooking fuels in Senegal was 39.0% in 2024. That is the highest since at least 2005. Across Sub-Saharan Africa the middle value was 13.0%, and Senegal placed 16th highest of 48. World rank, highest first: 148th of 192.