Tiny Houses come in all shapes and sizes – and therefore in different price ranges. What should you consider if buying a Tiny House is at the top of your wish list? And how can you finance your Tiny House?
The average price of a Tiny House with land
The price of your dream home largely depends on whether it comes with land or not. Tiny Houses are often offered as movable, factory-built homes for which you must find a plot yourself. If you want to buy a compact detached home on a purchased plot, you will encounter a market-based price. The average home in the Netherlands now costs over €450,000, but depending on the location and size of the plot and Tiny House, you should be able to stay around €300,000.
There are ways to make it more affordable: as part of a CPO (Collective Private Commissioning) project, you and others develop a housing project together, without a property developer. This saves money and gives you more control over the design of your home and neighborhood. You can also cut costs by partially building the house yourself, for example, by purchasing a shell home and finishing it yourself.
Image above: Calimero Wonen, a CPO in Ewijk
Buying a house, renting a plot
If you buy the house but rent the land, the price of a new Tiny House typically ranges between €80,000 and €150,000. The rent for the plot is usually around €350 per month. Currently, second-hand Tiny Houses on a rental plot are listed on TinyFindy for an average price of €145,000.
The average price of a Tiny House without land
Tiny Houses without a plot are widely available. The average new price is €61,000, while a second-hand movable Tiny House costs about €57,000. This price difference may seem small, but keep in mind that the new price is often a starting price, with additional costs to consider. Always check what is included in the price.
With second-hand Tiny Houses, the home is usually fully equipped, so you can move in immediately—provided you have a place for it. Previous owners often invest in off-grid installations, verandas, outdoor furniture, and storage units, which are often included in the price. If you find a second-hand Tiny House that suits your taste, it can be an attractive option.
Image above: Tiny House with rental plot, currently for sale on TinyFindy
Financing your Tiny House
- If you purchase a Tiny House with land, you may be eligible for a mortgage. There are also mortgage options if the land is leased for a long period (at least 25 years).However, if you buy a Tiny House without land or rent a plot for a shorter period, getting a mortgage for your home is not possible. In that case, consider these alternative financing options:
- Using equity from your current home – If you own a home, you may be able to use some of its value.
- A personal loan – Choose the loan amount and repayment terms that fit your situation.
- Crowdfunding or private loans – Family, friends, or colleagues might be willing to lend you money at a fair interest rate.
- Saving and adjusting your spending – By managing your expenses wisely, you can put more money aside for your Tiny House.
With a well-thought-out financial plan, you might be able to realize your Tiny House dream sooner than you think!
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