What is the right choice for expats in 2026?
Choosing whether to rent or buy a home is one of the biggest question internationals face when settling in the Netherlands. There isn’t a universal “right” answer because both options can work well depending on your plans, your budget, and how long you expect to stay. At Xpat Housing Solutions, we believe in helping you understand the realities of each path so you can make a decision that supports your life here.
Renting a home in the Netherlands: Flexibility and ease
For many newcomers, renting is the most straightforward way to start building a life in the Netherlands. It allows you to settle in quickly, explore neighbourhoods, and adjust your location if your job, lifestyle, or preferences shift. Renting typically requires only a deposit and monthly rent, making it a convenient option with lower upfront costs. You also don’t need to worry about repairs or maintenance, as landlords generally handle those responsibilities.
However, renting comes with its own challenges. Prices in popular cities like Amsterdam, Utrecht, and Eindhoven continue to rise, and unlike with a mortgage, your monthly payments don’t contribute to equity or long-term investment. You may also face some uncertainty, since rent increases or a landlord’s decision to sell can affect your stay. And because rented homes usually can’t be significantly altered, your ability to personalize the space is limited.
Buying a home in the Netherlands: Stability and investment
For expats who see the Netherlands as a long-term home, buying a property can offer a strong sense of stability and financial growth. Each mortgage payment increases your ownership stake, and rising property values can build solid equity over time. Most buyers also benefit from significant tax incentives such as mortgage interest deductions, and with no landlord in the background, you have far more freedom to shape your home the way you want.
Of course, purchasing a home is a bigger commitment. The upfront costs, from the down payment to notary fees and potential renovations, are higher than when renting. You become responsible for all maintenance, insurance, and taxes. And property prices, like any market, can fluctuate. Buying also ties you to a specific location, making sudden changes or relocations more complicated.
Renting vs. buying: Which option Is best for internationals?
In simple terms, renting tends to suit expats who need flexibility, who are still exploring the country, or who aren’t ready to commit long-term. Buying, on the other hand, is often the better route for those who plan to stay, want stability, and are looking to invest in their future in the Netherlands. Both choices are valid because the key is choosing the one that aligns with how you want your life here to unfold.
How Xpat Housing Solutions can help 🧡
The Dutch housing market can feel complex, especially when you’re navigating it from abroad or during your first months here. That’s where we come in. Xpat Housing Solutions provides clear, expert guidance for expats, whether you’re searching for the perfect rental or preparing to buy your apartment or house in the Netherlands. We help you understand local regulations, review rental contracts, explore mortgage options, find your home, and secure your home without stress.
Contact Us
Whether you decide to rent or buy, our team is here to support you at every step. Let us help you find a home that truly fits your new life in the Netherlands and book your free meeting.