Austria mortgage affordability calculator 2026
On €2,500 net income a month, the FMA recommendation (40% DSTI) lets you borrow roughly €221,866.75 over 30 years (max. payment €1,000). Enter your net income, existing commitments and property value to see the exact maximum mortgage.
Want to work out the monthly payment? Mortgage calculator – Austria
Maximum loan amount: €221,591.67
Maximum monthly payment: €1,000.00
| Limiting factor | |
|---|---|
| DSTI (payment / income) | €221,591.67 |
| Maximum loan amount | €221,591.67 |
This calculation is indicative and based on the non-binding FMA WIK-Rundschreiben recommendation in force since 1 July 2025. It doesn't account for banks' internal stress buffer on variable-rate loans.
How the FMA recommends calculating the maximum mortgage
Since the KIM-Verordnung expired (30 June 2025), the FMA WIK-Rundschreiben (in force since 1 July 2025) applies as a NON-BINDING recommendation with the same three limits: total loan payments at most 40% of net income, LTV at most 90% of property value, maximum term 35 years.
Since it's a recommendation rather than a law, individual banks may deviate based on their own risk management — in practice, though, most follow it.
Austrian banks internally add their own buffer (typically around 3 percentage points) for variable-rate loans to test resilience to rate increases — this calculator doesn't account for that in v1.
Examples: net monthly income → max. loan (single, no commitments, 30 years)
| Net monthly income | Max. loan amount |
|---|---|
| €1,500.00 | €132,955.00 |
| €2,000.00 | €177,273.34 |
| €2,500.00 | €221,591.67 |
| €3,000.00 | €265,910.00 |
| €4,000.00 | €354,546.67 |
| €6,000.00 | €531,820.01 |
Frequently asked questions
How much can I borrow on €1,500 income a month?
For a single applicant with no other commitments, a 3.53% rate and a 30-year term, the maximum mortgage is €133,120.05 at 40% DSTI (max. payment €600).
How much can I borrow on €2,000 income a month?
For a single applicant with no other commitments, a 3.53% rate and a 30-year term, the maximum mortgage is €177,493.40 (max. payment €800).
How much can I borrow on €3,000 income a month?
For a single applicant with no other commitments, a 3.53% rate and a 30-year term, the maximum mortgage is €266,240.10 (max. payment €1,200).
Does the KIM-Verordnung still apply in Austria?
No, it ended on 30 June 2025. Since 1 July 2025 the FMA WIK-Rundschreiben applies with the same limits, but as a non-binding recommendation.
How much of a deposit do I need?
90% LTV means at least 10% of property value; in practice banks recommend around 20% including additional costs.
Why is the FMA recommendation non-binding?
It's a guideline, not a law — banks can deviate based on their own risk assessment.
Does the calculator include a stress test?
No, the FMA doesn't prescribe an exact buffer. Banks internally add their own buffer (typically around 3 percentage points) for variable-rate loans.
What does the 35-year maximum term mean?
The FMA recommends paying off the mortgage within 35 years, ideally before retirement — the calculator applies this limit automatically.
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Last updated: 18 July 2026