Rent or Buy in Haskovo – Which Is More Profitable in 2025?
The Real Estate Market in Haskovo Is Developing Dynamically
More and more people are asking themselves – is it wiser to pay rent or invest in their own home? The answer is not the same for everyone, but numbers can give a realistic picture of the difference between the two options.
How the Market Looks Today
In 2025, the average price of residential properties (new and old buildings) in Haskovo is around €945 per sq.m according to specialized listings. This means that:
- Studio apartment (40 sq.m) costs approximately €37,800,
- One-bedroom apartment (60 sq.m) – around €56,700,
- Two-bedroom apartment (80 sq.m) – about €75,600,
- Large apartment (110 sq.m) – nearly €103,950.
Rental prices remain affordable: between 350 and 850 BGN per month depending on size, condition and location.
What the Numbers Show
Assuming a mortgage with 20% down payment, 2.8% annual interest, and a 20-year term, the results at average market values are:
| Type of Apartment | Price (EUR) | Price (BGN) | Monthly Payment (BGN) | Average Rent (BGN) | Difference (BGN) |
|---|---|---|---|---|---|
| Studio | 37,800 | 73,930 | ≈ 322 | 350 | -28 |
| One-bedroom | 56,700 | 110,896 | ≈ 483 | 475 | +8 |
| Two-bedroom | 75,600 | 147,861 | ≈ 644 | 600 | + 44 |
| Large apartment | 103,950 | 203,309 | ≈ 886 | 850 | +36 |
Note: A negative value in the “Difference” column means the mortgage payment is lower than rent. Data is indicative.
When Renting Is More Suitable
- Short-term stay in Haskovo – 3–5 years.
- Lack of funds for down payment or additional costs.
- Preference for flexibility and easy relocation.
When Buying Has the Advantage
- Long-term plan to stay in the city (8+ years).
- Stable income and low interest rates.
- Property as an investment – appreciation and potential rental income.
Things to Consider
The calculation does not include notary fees, property taxes, maintenance, or insurance. Landlords may increase rent over time, which affects the long-term comparison.
Conclusion
2025 data show that in Haskovo the line between “renting” and “buying” is thin. Monthly costs are similar, but renting provides flexibility, while buying offers long-term security and ownership.
Sources: www.intriga-rent.com, Realistimo, SakarNews, Alo.bg, Rentola, imot.bg; mortgage data from GlobalPropertyGuide and TheGlobalEconomy.
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