Budpremie

Budpremie is the gap between the asking price (utgangspris, the advertised price) and the final sale price after bidding. The asking price is often set low to attract bidders, so it is rarely what you actually pay. The budpremie tells you how much the bidding tends to push the price up.

Around 10 percent as a rule of thumb

Historically a home in Sweden has gone up by around 10 percent during bidding, roughly the same for apartments as for houses. But the figure moves a lot. In small kommuner (municipalities) houses can climb by more than 20 percent, while in a weaker market more than 4 in 10 homes can even sell below the asking price. Treat 10 percent as a rough rule of thumb, not a fixed rule. These figures come from the housing sites’ own statistics, not from a public authority.

How to think when you set your budget

Plan for a final price that could land around 10 percent above the asking price, so you are not caught out partway through a bidding round. It is worth checking the budpremie for your specific kommun, since it varies widely from one place to another.

Keep the down payment (kontantinsats) in mind too: from 1 April 2026 a 10 percent down payment is enough, as the bolanetak (mortgage cap) rises from 85 to 90 percent of the market value. Remember that the 10 percent is calculated on the higher final price, not on the asking price.