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What does living there cost?

The fee or the house's running costs and property fee – and how the association's loans react when rates rise.

Worked out for Nåsvägen 18, Stockholm – the price and the floor area from the listing.

The home
At least 10 % – a mortgage may be at most 90 % of the value since 1 April 2026.
Pre-filled: Statistics Sweden's average for new variable mortgages, Sept 2026. Use your bank's offer.
From the association's annual report. VERA PI fills it in when the association is in its register.
Last year's, from the seller or Skatteverket. Title duty is on the higher of the price and this.
The running costs are in the agent's description.
SEK 71,686/monthThe breakdown ↓

House · a month, without running costs

SEK 71,686/month

housing cost without running costs: interest after the tax reduction, amortisation and property fee – enter the running costs from the agent's description

Interest after the reductionSEK 20.7m loan at 2.72 %, 30 % tax reduction
SEK 36,317/month
Amortisation2 % of the loan a year (Act 2026:226)
SEK 34,500/month
Running costs (power, heating, water, waste, insurance)Enter the running costs a year from the agent's description
Not included
Municipal property feeThe cap SEK 10,425 a year (2026) – enter the assessed value for the exact fee
at most SEK 869/month
A month, without running costswithout amortisation: SEK 37,186/month
SEK 71,686/month
Your loan, rates +1 pointafter the tax reduction
+SEK 13,628/month
  • The running costs are not in the total until you enter them: power, heating, water and sewerage, waste and insurance are in the agent's description.
  • The running costs must be in the agent's property description, and the agent must offer you a written housing-cost calculation (Estate Agents Act ch. 3 ss. 14 and 16).
  • The property fee for 2026: 0.75 % of the assessed value, at most SEK 10,425 per residential building (SEK 10,074 for 2025). Whoever owns the house on 1 January pays for the whole year.
  • The interest deduction (30 % of interest, 21 % above SEK 100,000 a year) is a tax reduction: it counts against your tax and needs enough tax to reduce (Income Tax Act ch. 67 s. 10).
How this is worked out

A month = (interest − tax reduction + amortisation) ÷ 12 + the running costs ÷ 12 + the property fee ÷ 12. Tax reduction 30 % up to SEK 100,000 of interest a year, 21 % above. Amortisation per Act 2026:226 s. 7. Property fee: 0.75 % of the assessed value, at most SEK 10,425 a year.

Rules and sources
  • Act (2026:226) on limiting mortgage credit – s. 4 loans at most 90 % of the value, s. 5 top-ups at most 80 %, s. 7 amortisation 1 % above 50 % and 2 % above 70 %, s. 10 new-builds up to five years · in force from 1 Apr 2026 · read 4 Nov 2026
  • Income Tax Act (1999:1229) – ch. 45 s. 33 and ch. 46 s. 18 22/30 of the gain, 50 % of a loss; ch. 47 deferral; ch. 65 s. 7 30 %; ch. 67 s. 10 tax reduction 30 %/21 % · read 4 Nov 2026
  • Statistics Sweden: financial market statistics, Sept 2026 – average rate on new mortgages: variable 2.72 %, fixed 3 months–1 year 3.04 %, 1–5 years 3.39 % – the pre-filled rate · read 4 Nov 2026
  • Skatteverket: property fee and tax – 0.75 % of the assessed value, at most SEK 10,425 per residential building for 2026 (SEK 10,074 for 2025); none for the first 15 years for value year 2012 or later; an unbuilt plot: state property tax 1 % of the assessed value · in force from 1 Jan 2026 · read 4 Nov 2026
  • Municipal Property Fee Act (2007:1398) – the fee and its cap · read 4 Nov 2026
  • Estate Agents Act (2021:516) – ch. 3 s. 1 both parties' interests, s. 12 advice and the duty to inspect, ss. 14–16 property description and housing-cost calculation, s. 18 the list of bids · read 4 Nov 2026

General information – not financial or legal advice.

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