Excessive housing costs (i55)

  •  29/11/2024
  • objective 
  •  assessment 

In 2023, 7,7% of the population in Belgium has excessive housing costs. To achieve the sustainable development goal by 2030, this figure must be reduced to zero percent. This objective will not be reached by continuing the trend since 2004 (data available in November 2024). The population in Belgium with excessive housing costs is therefore developing unfavourably.

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Excessive housing costs - Belgium - trend assessment

percentage of population

 2000200420052015201920202021202320252030
observations--12.68.69.48.3--7.57.7----
trend and extrapolation (November 2024)--10.610.59.58.58.38.07.57.16.5
objective 20300.00.00.00.00.00.00.00.00.00.0

break in series: 2019; 2020 data collection impacted by Covid-19 pandemic

Statbel; Eurostat (2024), European Union Statistics on Income and Living Conditions (EU-SILC), ilc_lvho07c, https://ec.europa.eu/eurostat (consulted on 14/10/2024); calculations FPB.

Excessive housing costs - Belgium and international comparison

percentage of population

 200420052010201520182019202020232018//20042023//20192023//2010
Belgium12.68.68.99.48.98.37.87.7-2.5-1.9-1.1
EU27----10.011.29.69.47.88.9---1.4-0.9
//: Average Growth Rates

break in series: EU 2020, BE 2019, EU27 2014-2019 estimation

Statbel (2024), SILC-SDG-indicators 2004-2023, https://Statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024); Statbel; Eurostat (2024), European Union Statistics on Income and Living Conditions (EU-SILC), ilc_lvho07c, https://ec.europa.eu/eurostat (consulted on 14/10/2024).

Excessive housing costs by region - Belgium

percentage of population

 2019202020232023//2019
Brussels-Capital Region19.515.315.8-5.1
Flemish Region6.05.75.7-1.3
Walloon Region9.09.08.8-0.6
//: Average Growth Rates

The margin of uncertainty for this indicator is indicated in the text for the latest year. Break in series: 2019

Statbel (2024), SILC-indicators 2019-2023, https://statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024)

Excessive housing costs by sex - Belgium

percentage of population

 200420052010201520182019202020232018//20042023//2019
females13.69.49.410.49.89.18.38.1-2.3-2.9
males11.67.88.48.58.07.67.27.4-2.6-0.7
//: Average Growth Rates

break in series: 2019

Statbel (2024), SILC-indicators 2019-2023, https://statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024); Statbel; Eurostat (2024), European Union Statistics on Income and Living Conditions (EU-SILC), ilc_lvho07a, https://ec.europa.eu/eurostat (consulted on 14/10/2024)

Excessive housing costs by age - Belgium

percentage of population

 200420052010201520182019202020232018//20042023//2019
<1810.96.47.76.67.46.34.84.5-2.7-8.1
18-2412.79.88.19.68.56.55.05.2-2.8-5.4
25-49----------8.88.07.7---3.3
50-64----------8.28.27.3---2.9
>6415.310.611.911.310.010.811.413.1-3.04.9
//: Average Growth Rates

break in series: 2019

Statbel (2024), SILC-indicators 2019-2023, https://statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024); Statbel; Eurostat (2024), European Union Statistics on Income and Living Conditions (EU-SILC), ilc_lvho07a, https://ec.europa.eu/eurostat (consulted on 14/10/2024)

Excessive housing costs by education - Belgium

percentage of population

 2019202020232023//2019
at most lower secondary13.213.413.20.0
upper secondary9.08.08.6-1.1
tertiary5.35.66.03.2
//: Average Growth Rates

break in series: 2019

Statbel (2024), SILC-indicators 2019-2023, https://statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024)

Excessive housing costs by household type - Belgium

percentage of population

 200420052010201520182019202020232018//20042023//2019
single person31.828.423.327.925.726.827.326.9-1.50.1
single-parent family29.622.618.419.621.920.114.514.4-2.1-8.0
2 adults <6511.97.07.87.67.54.94.93.0-3.2-11.5
2 adults, at least 1 >6410.74.86.45.75.75.45.06.7-4.45.5
2 adults, 1 child9.76.16.36.37.35.44.43.9-2.0-7.8
2 adults, 2 children6.13.14.93.62.31.71.62.5-6.710.1
2 adults, 3+ children6.21.23.63.85.03.52.22.2-1.5-11.0
//: Average Growth Rates

break in series: 2019

Statbel (2024), SILC-indicators 2019-2023, https://statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024); Statbel; Eurostat (2024), European Union Statistics on Income and Living Conditions (EU-SILC), ilc_lvho07e, https://ec.europa.eu/eurostat (consulted on 14/10/2024)

Excessive housing costs by activity status - Belgium

percentage of population aged 18 and over

 2019202020232023//2019
employed4.84.24.6-1.1
unemployed26.528.121.0-5.6
retired9.910.512.15.1
other14.013.011.8-4.2
//: Average Growth Rates

break in series: 2019; because of the widespread use of temporary unemployment during the COVID-19 pandemic, the ?unemployed? category in SILC 2021 includes not only the long-term unemployed, but also people who have been temporarily unemployed for more than 6 months and who generally live in less precarious conditions.

Statbel (2024), SILC-indicators 2019-2023, https://statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024)

Excessive housing costs by income - Belgium

percentage of population

 200420052010201520182019202020232018//20042023//2019
quintile 141.528.332.932.132.929.228.227.3-1.6-1.7
quintile 212.310.18.410.88.28.97.68.2-2.9-2.0
quintile 35.33.41.93.42.52.92.32.1-5.2-7.8
quintile 42.91.50.90.70.70.60.41.0-9.713.6
quintile 52.20.50.60.20.30.20.30.2-13.30.0
//: Average Growth Rates

break in series: 2019

Statbel (2024), SILC-indicators 2019-2023, https://statbel.fgov.be/en/themes/households/poverty-and-living-conditions/risk-poverty-or-social-exclusion#figures (consulted on 14/10/2024); Statbel; Eurostat (2024), European Union Statistics on Income and Living Conditions (EU-SILC), ilc_lvho07b, https://ec.europa.eu/eurostat (consulted on 14/10/2024)

Excessive housing costs by tenure status - Belgium

percentage of population

 200420052010201520182019202020232018//20042023//2019
owner, with mortgage or loan5.83.23.12.41.20.91.10.8-10.6-2.9
owner, no outstanding mortgage or housing loan5.52.73.11.81.61.91.92.7-8.49.2
tenant, at market price34.330.128.733.734.830.529.429.80.1-0.6
tenant, at reduced price or free21.411.712.314.214.414.911.09.7-2.8-10.2
//: Average Growth Rates

break in series: 2020

Statbel; Eurostat (2024), European Union Statistics on Income and Living Conditions (EU-SILC), ilc_lvho07c, https://ec.europa.eu/eurostat (consulted on 14/10/2024);

Definition: a person has excessive housing costs if they are part of a household where total housing costs exceed 40% of disposable income. Housing allowances are not considered here.

Housing costs refer to monthly expenses related to the right to live in a dwelling. Only actually paid housing costs are considered, regardless of who covers them. This includes expenses such as structural insurance, mandatory services and charges (e.g. sewerage and rubbish collection), regular maintenance and repairs, taxes and the cost of utilities (water, electricity, gas and heating). For homeowners, the housing allowance calculation includes mortgage interest net of any tax deductions and without housing subsidies. For tenants, the calculation includes rent payments gross of rent subsidies. For owners and tenants, this means that rent subsidy may not be deducted from total housing costs (Eurostat, 2024).

The data used here on the excessive housing costs are based on the European Union Statistics on Income and Living Conditions (EU-SILC) survey, with income data that relate to the year preceding the survey year. This means, for example, for the survey year 2020 that in the calculation of this indicator the incomes of 2019 were used, which were not affected by the Covid-19 crisis (Statbel, 2021a).

Statbel organises this EU-harmonised survey in Belgium and makes the results available, in particular to Eurostat. 2004 is the first year for which European harmonised data have been collected in order to calculate the indicator. The data used here come from Eurostat, which publishes detailed and comparable results between EU Member States. Since these data are based on a survey, a margin of uncertainty has to be taken into account. This margin of uncertainty increases as the indicator is calculated on smaller sub-populations. The confidence intervals are available on request from Statbel.

From 2019 onwards, the methodology of the survey has been thoroughly revised for better accuracy. Therefore, the data collected until 2018 are not comparable with those collected from 2019 onwards. In 2020, the Covid-19 pandemic impacted data collection. This makes it difficult to compare the results of SILC 2020 with those of previous years. (Statbel, 2021b). Therefore, they are not used to calculate and evaluate the long-term trend. It should also be noted that due to the widespread use of temporary unemployment during the covid-19 pandemic, the category of 'unemployed' in SILC 2021 includes not only the long-term unemployed, but also persons who have been temporarily unemployed for more than 6 months and who are generally living in less precarious conditions (Statbel, 2022).

Goal: the share of the population with excessive housing costs must be reduced to zero per cent by 2030.

The Sustainable Development Goals or SDGs adopted by the UN in 2015 include target 11.1: “By 2030, ensure access for all to adequate, safe and affordable housing and basic services and upgrade slums”. The share of the population with excessive housing costs should tend to zero.

The Federal Long-Term Strategic Vision for Sustainable Development includes the following objective: “The preconditions for the well-being of citizens will be met, i.e. (...) decent housing” (introduction of the challenge A society promoting social cohesion; Belgian Official Gazette, 08/10/2013).

International comparison: the share of the population with excessive housing costs is just below the European average in Belgium. Between 2010 and 2023, this indicator fell from 10% to 8.9% for the EU27 and from 8.9% to 7.7% for Belgium. When Member States are divided into three groups, Belgium is part of the group with average performance and outperforms the European average in 2023. In that year, Cyprus ranked first with 2.6% and Greece last with 28.5%.

UN indicator: the selected indicator does not correspond to any SDG indicator, but is related to target 11.1 since housing affordability is one aspect of it.

Sources

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