Where is it best to buy and where to rent a house in 2025: a city-by-city analysis

In the Italian real estate landscape, the decision between renting and buying with a mortgage remains a crucial issue for many families and individuals. A recent study by Immobiliare.it Insights clearly highlights which cities are best suited to opting for a mortgage and those where renting is still the most advantageous choice.

Milan, Florence and Bologna: renting is still the best choice

In the Milanese metropolis, the average monthly mortgage payment is around 1,889 euros , a good 400 euros more than the average rent, which is around 1,488 euros . Similar situations are found in Florence and Bologna, where mortgage payments significantly exceed the average rent. In Florence, rent costs an average of 1,764 euros compared to a mortgage payment of around 1,830 euros . In Bologna the gap is similar, with the average rent at 1,086 euros and the mortgage payment reaching 1,314 euros .

Monza, the most emblematic case

Of all the cities analyzed, Monza is the place where the gap between the monthly cost of the mortgage and that of the rent is most significant. The average monthly rent is around 991 euros , a good 30% less than the mortgage payment, which is around 1,413 euros .

In Rome, Genoa and Turin it is convenient to buy

In Rome, despite the fact that the real estate market is generally expensive, buying a house is currently more convenient than renting. The average mortgage payment is in fact 1,385 euros , slightly lower than the 1,407 euros needed to rent an average property. Similar situations occur in Turin, with 736 euros for the mortgage against 794 euros of rent, and Genoa, where the rent exceeds 770 euros against the 621 euros monthly needed to purchase with a mortgage.

Market trends over the last year

The progressive lowering of interest rates decided by the ECB has led to greater competitiveness of mortgages compared to the past. In the last 12 months, cities such as Milan (-9%), Bologna (-7%) and Genoa (-7%) have seen a significant reduction in average mortgage payments. On the contrary, rents have recorded a general increase, especially in Genoa (+12%), Padua (+10%) and Turin (+9%).

Luke Brucato , Chief Strategy Officer of Immobiliare.it Insights , underlines that “the reduction in interest rates is concretely changing the real estate landscape, in many cases favoring purchasing over renting, especially among the younger segments of the population” .

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