Overview

• The top ten percent of households hold 54 percent of Germany’s total net wealth, according to the Bundesbank’s 2023 survey
• Residential property dominates high-net-worth portfolios, with homeowners’ median wealth around €450,200 versus €18,300 for renters
• Households aged 55–64 have the highest median net wealth at about €250,000, illustrating life-cycle accumulation
• An IW/Interhyp affordability index shows housing affordability has fallen sharply since 2019, especially in metropolitan and southwest regions
• A summer 2025 Kantar survey for the Verband der Privaten Bausparkassen finds only 33 percent of Germans save for homeownership, down ten points from last year