Avg. Riyadh Villa Price: SAR 2.8M ▲ +12% YoY | Mortgage Originations: SAR 142B ▲ +18% vs 2024 | Housing Units Delivered: 127,400 ▲ 2025 total | Homeownership Rate: 63.4% ▲ +16pp vs 2016 | ROSHN Units Planned: 100,000+ ▲ National programme | Jeddah Avg. Price/sqm: SAR 5,200 ▲ +8% YoY | Off-Plan Share: 41% ▲ of total transactions | Foreign Ownership: Expanding ▲ New regulations 2025 | Avg. Riyadh Villa Price: SAR 2.8M ▲ +12% YoY | Mortgage Originations: SAR 142B ▲ +18% vs 2024 | Housing Units Delivered: 127,400 ▲ 2025 total | Homeownership Rate: 63.4% ▲ +16pp vs 2016 | ROSHN Units Planned: 100,000+ ▲ National programme | Jeddah Avg. Price/sqm: SAR 5,200 ▲ +8% YoY | Off-Plan Share: 41% ▲ of total transactions | Foreign Ownership: Expanding ▲ New regulations 2025 |

Mortgage & Housing Finance

Analysis of Saudi Arabia's mortgage market, housing finance regulations, interest rate trends, and the Saudi Real Estate Refinance Company's secondary market development.

Saudi Housing Finance Intelligence

Saudi Arabia’s mortgage market has undergone a revolution since 2017. Government-backed programmes, the establishment of the Saudi Real Estate Refinance Company, and regulatory reforms have transformed home finance from a product available to a privileged few into a mass-market instrument supporting the Kingdom’s 70 percent homeownership target.