Community-funded affordable housing
Affordable homes.
A fairer share.
Housing costs leave too many people with too little to live on. We are developing a community-owned fund to help finance affordable homes, share decisions and keep returns capped.
Model targets: rents at least 20% below market and a capped annual rental return of around 3%. These are design goals, not delivered results or guaranteed returns.
Housing inequality is more than a shortage of homes.
Income, housing costs and access to suitable homes shape who can live securely. Local solutions need to consider residents’ needs, energy costs and the funding available.
- 7.7%
- Of the EU population faced housing cost overburden in 2025.
- ≈35M
- People affected, estimated from national rates and populations.
- 40%
- Of disposable income: the threshold above which housing costs count as overburden, with costs and income net of housing allowances.
Sources: Eurostat, EU-SILC 2025 (ilc_lvho07a) and Eurostat, population on 1 Jan 2025 (tps00001). National estimates are not a separately published EU headcount. Verified 11 October 2026. 2025 flags: breaks in the rate series for Denmark and Luxembourg; Lithuania’s rate and France’s population are provisional; Romania’s population is estimated. The EU population aggregate is estimated and provisional.
Explore the housing dataHow shared funding could support affordable homes.
Pool capital
Verified members pool money in a housing fund. Their shares represent a stake in the fund, not ownership of a particular home.
Cap the return
Aim for an annual rental return capped at around 3% and rents at least 20% below market. These targets need to fit the project’s full costs.
Govern together
A housing council reviews proposals before members vote. A pilot must also define how residents and housing providers take part.
Develop the model with the people it affects.
A pilot needs more than money to buy homes. It needs workable rents, secure tenancy terms and a plan for repairs and energy bills. We want local partners to help test those arrangements.
Residents and communities
Define housing needs, workable household budgets and how residents should take part in decisions.
Housing providers and property owners
Assess suitable homes, purchase costs, upkeep and the funding needed to manage them over time.
Municipalities and local partners
Check land arrangements, tenant protections and eligibility for any local housing support.
Explore an example funding scenario
Explore acquisition funding and rent
These are inputs you choose, not market valuations. Rent follows the prototype’s cost-based rule, using the model’s 3% annual target and whole-euro monthly rounding.
Illustrative scenario · not an investment offer
- Homes the budget could buy
- 3
Purchase cost only; no discount assumed
- Unused funding
- €175,000
Not included in rental income
- Monthly rent per home
- €687
From acquisition cost × 3% ÷ 12, rounded down
- Annual gross rent, all homes
- €24,732
12 months collected in full; before costs
Monthly rent saving per home: €313
31.3% below the comparison rent you entered.
The calculated rent is at least 20% below your comparison input. This does not verify market rent or household affordability.
Gross rent is not a net investor return. This example does not budget for repairs, operating costs, taxes, financing, vacancies or energy upgrades. It assumes one household per home and full collection each month. A real project needs those costs and legal terms assessed separately; returns are not guaranteed.
Help shape a local housing pilot.
Work with us on the housing needs, funding terms and resident participation a pilot should test. You can also explore the prototype with demo funds.