Cambrai · report
Affordability in Cambrai
At the median sale price, a 90 m² home costs €129,780. With 10% down and a 30-year mortgage, the payment is €505 a month. The HCSF caps it at 35% of a household's income.
- Payment, two incomes
- 14%
- Payment, one income
- 28%
Try your own numbers
Starting from the median sale price of €1,442/m² in Cambrai, a median standard of living of €21,930 a year (disposable income per consumption unit, 2023, Cambrai) and a mortgage rate of 3.2% (August 2026).
The payment takes 14% of income, within the HCSF's 35% limit.
- Home price
- €129,780
- Monthly payment
- €505
- Share of net income
- 14%
- Highest price within 35%
- €328,670
France against the EU
Share of people spending over 40% of their disposable income on housing, then the rest of Eurostat's survey of living conditions. These are national figures, shown here as context.
- France
- EU
Show the numbers
| Year | France | EU |
|---|---|---|
| 2025 | 6.4% | 7.7% |
| 2024 | 7.0% | 8.2% |
| 2023 | 6.5% | 8.8% |
| 2022 | 6.5% | 8.7% |
| 2020 | 5.6% | 7.8% |
| 2019 | 5.5% | 9.4% |
| 2018 | 4.7% | 9.6% |
| 2017 | 5.0% | 10.1% |
| 2016 | 5.2% | 10.9% |
| 2015 | 5.7% | 11.2% |
| 2014 | 5.1% | 11.5% |
| 2013 | 5.2% | 11.6% |
| 2012 | 5.2% | 11.5% |
| 2011 | 5.2% | 10.6% |
| 2010 | 5.1% | 10.0% |
| Share of people who | France | EU |
|---|---|---|
| Spend over 40% of income on housing | 6.3% | 7.7% |
| … nationals (adults) | 4.4% | 7.1% |
| … citizens of another EU country (adults) | 17.1% | 15.2% |
| … non-EU citizens (adults) | 38.0% | 18.1% |
| Live in an overcrowded home | 12.7% | 16.8% |
| Own their home outright | 39.7% | 43.7% |
| Own with a mortgage | 31.5% | 24.8% |
| Rent at market price | 16.3% | 20.8% |
| Rent at a reduced price or free | 12.5% | 10.7% |
Income is INSEE's median standard of living: a household's disposable income after taxes and benefits, divided by its consumption units, so one income is a single adult's. It is published about two years late, so today's price is set against the latest year. The HCSF caps the payment, insurance included, at 35% of income for most new loans, and banks may lend less.
Other reports for Cambrai
Owning a 90 m² apartment costs less each month than renting it. Owning counts interest, running costs and the return the deposit could earn, at apartments' median sale price; rent is the asking rent. Repaying the loan is saving, so it is left out.
- Rent per month
- €991
- Owning per month
- €555
Figures for Nord: Cambrai has no reliable figures of its own.
10.9% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 12,139
In 2022 the population fell by 434 while 47 homes were started.
- Homes started, 2022
- 47
- Population change, 2022
- −434
10.3% of the 18,315 homes counted in the 2023 census stood empty, whether for sale, to let or for other reasons.
- Empty, 2023 census
- 10.3%
- Empty homes
- 1,882
In 2025, 92% of the homes authorised were in existing buildings: conversions, extensions and changes of use.
- Homes in existing buildings, 2025
- 92%
Public bodies signed €12.7K of housing works here in 2024, and €12.7K since 2024.
- Signed in 2024
- €12.7K
- Per resident, 2024
- €0