Funding landscape
What public money a housing cooperative can actually apply for — city by city, with the conditions attached and a link to the body that publishes each figure.
Across 155 European cities in 30 countries, 47 offer a cooperative a capital grant and a subsidised loan it can actually use — and 59 also fund turning an office into homes.
Public money is the single biggest lever on whether affordable housing pencils out, and it is set in a different place in every country — sometimes nationally, sometimes by the city. This is what a cooperative can actually apply for, city by city, with every figure traced to the body that publishes it.
155 cities mapped30 countries499 distinct sourcesfigures current to 2026
How this was researched
Per-city desk research against the operating body’s own published programme rules, then a verification pass that either confirmed, corrected or rejected each figure. No placeholder numbers: a city with no cooperative-accessible scheme is recorded as having none.
How deep the affordable-housing support goes
Strong47a curated €/m² grant + loan scheme
Moderate80partial €/m² figures
Limited28coop instruments, but no €/m² scheme
None0no cooperative-accessible capital scheme
750 researched programmes behind these 155 cities — open any row for the full list and its sources.
Loading map…
Tier = depth of coop-usable affordable support: Strong = a curated €/m² grant + loan scheme; Moderate = partial €/m² figures; Limited = coop instruments (land, ground rent, guarantees) but no €/m² scheme. Every mapped city has at least some support.
Affordable-housing support
Sort by
| City | Country | Scheme | Grant | Loan | Rate | Rent cap | Binding | Coop levers | Conf. |
|---|---|---|---|---|---|---|---|---|---|
| Graz | Austria | Wohnbauförderung (Länder cost-rent l… | — | €1250/m² | 1% | €6.5/m² | 40 yr | 3 | |
| Vienna | Austria | Wohnbauförderung (Länder cost-rent l… | — | €1250/m² | 1% | €6.5/m² | 40 yr | 2 | |
| Helsinki | Finland | ARA korkotukilaina (interest-subsidy… | — | €1900/m² | 1% | €13.8/m² | 40 yr | 4 | |
| Bordeaux | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 1 | |
| Lyon | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 1 | |
| Marseille | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 1 | |
| Nantes | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 1 | |
| Nice | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 1 | |
| Paris | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 3 | |
| Strasbourg | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 1 | |
| Toulouse | France | HLM — PLUS/PLAI (Banque des Territoi… | — | €1800/m² | 1.50% | €7.5/m² | 40 yr | 1 | |
| Aachen | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Augsburg | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Berlin | Germany | IBB Wohnungsneubaufonds — Soziale Wo… | €1800/m² | €5300/m² | 0% | €7.0/m² | 30 yr | 3 | |
| Bielefeld | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Bochum | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Bonn | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Bremen | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Cologne | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Dortmund | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Dresden | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Duisburg | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Düsseldorf | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Essen | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Frankfurt am Main | Germany | Frankfurter Programm bezahlbare Miet… | €1575/m² | €2100/m² | 0% | €6.5/m² | 25 yr | 2 | |
| Gelsenkirchen | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Hamburg | Germany | IFB Hamburg — Neubau von Mietwohnung… | — | €1500/m² | 0% | €7.8/m² | 30 yr | 2 | |
| Hannover | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Karlsruhe | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Kiel | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Leipzig | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Mannheim | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Mönchengladbach | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Munich | Germany | Einkommensorientierte Förderung (EOF… | €600/m² | €1550/m² | 0.50% | — | 25 yr | 1 | |
| Münster | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Nuremberg | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Stuttgart | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Wiesbaden | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 1 | |
| Wuppertal | Germany | Soziale Wohnraumförderung (Länder) | — | €2730/m² | 0.50% | — | 25 yr | 2 | |
| Warsaw | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 2 | |
| Bratislava | Slovakia | ŠFRB loan + MDV dotácia | €700/m² | €1500/m² | 1% | — | 40 yr | 2 | |
| Barcelona | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Bilbao | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| L'Hospitalet de Llobregat | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Vitoria-Gasteiz | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 2 | |
| Lausanne | Switzerland | Fonds de Roulement (federal) + canto… | — | €1010/m² | 1% | — | 30 yr | 2 | |
| Zurich | Switzerland | Kantonale + städtische Wohnbauförder… | — | €1338/m² | 1% | €17.0/m² | 30 yr | 1 | |
| Antwerp | Belgium | none verified | — | — | — | — | — | 2 | |
| Ghent | Belgium | none verified | — | — | — | — | — | 1 | |
| Zagreb | Croatia | none verified | — | — | — | — | — | 1 | |
| Nicosia | Cyprus | none verified | — | — | — | — | — | 1 | |
| Brno | Czechia | SFPI — Dostupné nájemní bydlení | €500/m² | €1800/m² | 1.50% | — | 30 yr | 1 | |
| Ostrava | Czechia | SFPI — Dostupné nájemní bydlení | €500/m² | €1800/m² | 1.50% | — | 30 yr | 1 | |
| Prague | Czechia | SFPI — Dostupné nájemní bydlení | €500/m² | €1800/m² | 1.50% | — | 30 yr | 2 | |
| Aarhus | Denmark | Almene boliger — grundkapital + stat… | €430/m² | €3778/m² | 2% | €8.8/m² | 50 yr | 1 | |
| Copenhagen | Denmark | Almene boliger — grundkapital + stat… | €430/m² | €3778/m² | 2% | €8.8/m² | 50 yr | 1 | |
| Espoo | Finland | ARA korkotukilaina (interest-subsidy… | — | €1900/m² | 1% | €13.8/m² | 40 yr | 2 | |
| Tampere | Finland | ARA korkotukilaina (interest-subsidy… | — | €1900/m² | 1% | €13.8/m² | 40 yr | 1 | |
| Vantaa | Finland | ARA korkotukilaina (interest-subsidy… | — | €1900/m² | 1% | €13.8/m² | 40 yr | 2 | |
| Dublin | Ireland | AHF capital subvention + CALF/CREL | €800/m² | €900/m² | 2% | — | 30 yr | 2 | |
| Bari | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 2 | |
| Bologna | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 1 | |
| Catania | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 1 | |
| Florence | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 2 | |
| Genoa | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 1 | |
| Milan | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 1 | |
| Naples | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 2 | |
| Palermo | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 1 | |
| Rome | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 2 | |
| Verona | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 1 | |
| Riga | Latvia | none verified | — | — | — | — | — | 1 | |
| Luxembourg City | Luxembourg | Aides à la pierre — logement locatif… | €1500/m² | — | — | — | 40 yr | 4 | |
| Valletta | Malta | none verified | — | — | — | — | — | 2 | |
| Amsterdam | Netherlands | Realisatiestimulans (+ municipal coo… | €112/m² | — | — | — | 15 yr | 2 | |
| Rotterdam | Netherlands | Realisatiestimulans (+ municipal coo… | €112/m² | — | — | — | 15 yr | 3 | |
| The Hague | Netherlands | Realisatiestimulans (+ municipal coo… | €112/m² | — | — | — | 15 yr | 2 | |
| Utrecht | Netherlands | Realisatiestimulans (+ municipal coo… | €112/m² | — | — | — | 15 yr | 2 | |
| Bergen | Norway | Husbanken — Lån til utleieboliger | — | €1700/m² | 4% | — | 20 yr | 1 | |
| Oslo | Norway | Husbanken — Lån til utleieboliger | — | €1700/m² | 4% | — | 20 yr | 2 | |
| Bialystok | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Bydgoszcz | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Gdansk | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Gdynia | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Katowice | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Krakow | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Lodz | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Lublin | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Poznan | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Szczecin | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Wroclaw | Poland | SBC + Fundusz Dopłat (BGK) | €700/m² | €1600/m² | 1.50% | €5.5/m² | 30 yr | 1 | |
| Lisbon | Portugal | 1.º Direito — Programa de Apoio ao A… | €1000/m² | — | — | €12.0/m² | 25 yr | 2 | |
| Ljubljana | Slovenia | SSRS co-investment + SID banka loan | — | €1500/m² | 1% | €5.0/m² | 30 yr | 2 | |
| Alicante | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 2 | |
| Córdoba | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Gijón | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Las Palmas de Gran Canaria | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Madrid | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 2 | |
| Málaga | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Murcia | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Palma | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Seville | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Valencia | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 2 | |
| Valladolid | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Vigo | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Zaragoza | Spain | Plan Estatal de Vivienda 2026–2030 —… | €1000/m² | — | — | €8.0/m² | 50 yr | 1 | |
| Stockholm | Sweden | none verified | — | — | — | — | — | 2 | |
| Basel | Switzerland | Fonds de Roulement (federal) + canto… | — | €1010/m² | 1% | — | 30 yr | 3 | |
| Geneva | Switzerland | Fonds de Roulement (federal) + canto… | — | €1010/m² | 1% | — | 30 yr | 2 | |
| Belfast | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Birkenhead | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Birmingham | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Bradford | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 2 | |
| Cardiff | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Coventry | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Kingston upon Hull | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Leeds | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 2 | |
| Leicester | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Liverpool | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 2 | |
| London | United Kingdom | London Social and Affordable Homes P… | €2900/m² | — | — | — | 40 yr | 2 | |
| Milton Keynes | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Preston | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Reading | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Sheffield | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Southampton | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Southend-on-Sea | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Stoke-on-Trent | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 2 | |
| Swansea | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Brussels | Belgium | none verified | — | — | — | — | — | 3 | |
| Plovdiv | Bulgaria | none verified | — | — | — | — | — | — | |
| Sofia | Bulgaria | none verified | — | — | — | — | — | 1 | |
| Varna | Bulgaria | none verified | — | — | — | — | — | — | |
| Tallinn | Estonia | none verified | — | — | — | — | — | 2 | |
| Athens | Greece | none verified | — | — | — | — | — | 1 | |
| Thessaloniki | Greece | none verified | — | — | — | — | — | 1 | |
| Budapest | Hungary | none verified | — | — | — | — | — | 2 | |
| Turin | Italy | Housing Sociale (regional contributo… | €600/m² | — | — | — | 20 yr | 2 | |
| Kaunas | Lithuania | none verified | — | — | — | — | — | — | |
| Vilnius | Lithuania | none verified | — | — | — | — | — | 1 | |
| Brasov | Romania | none verified | — | — | — | — | — | — | |
| Bucharest | Romania | none verified | — | — | — | — | — | 1 | |
| Cluj-Napoca | Romania | none verified | — | — | — | — | — | — | |
| Constanta | Romania | none verified | — | — | — | — | — | — | |
| Iasi | Romania | none verified | — | — | — | — | — | — | |
| Gothenburg | Sweden | none verified | — | — | — | — | — | 2 | |
| Malmö | Sweden | none verified | — | — | — | — | — | 3 | |
| Brighton | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Bristol | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 2 | |
| Derby | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Edinburgh | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 2 | |
| Glasgow | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 2 | |
| Manchester | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Newcastle upon Tyne | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Nottingham | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Plymouth | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 | |
| Wolverhampton | United Kingdom | Affordable Homes Programme (Homes En… | €1856/m² | — | — | — | 40 yr | 1 |
Every figure is a real, verified programme — there is no placeholder data. Muted cells are derivedfigures (a per-dwelling grant or a %-of-cost scheme converted to €/m²); “none verified” means the research found no cooperative-accessible scheme there. Full per-programme detail and sources are behind each row.
Confidence: High Medium Low / no curated figure
This registry covers 155 cities across 30 countries — the places the research has reached, not every city in Europe. A city that is missing has not been researched yet; it is not a finding that no support exists there. Countries whose only support is public-developer, municipality-only or demand-side are recorded as having no cooperative-accessible capital scheme, which is a finding.