Luxembourg housing aid: who qualifies, how much, and where to run your number

Which aid fits your situation?

Luxembourg's aids are organised around what you are doing, not what you earn. Starting from your status therefore saves you from chasing a scheme you cannot claim.

• You rent: the rent subsidy, plus the state deposit guarantee if you cannot advance the deposit.
• You buy your main home: the Bëllegen Akt, which cancels some or all of the acquisition duties.
• You renovate a home at least 10 years old: Klimabonus, Klimapret and the 3% VAT rate.

Renting: up to 520 € a month

The rent subsidy is monthly and rests on two tests at once: your household composition and your average net income for the previous calendar year. The amount tapers as income approaches the ceiling, so two households of the same size rarely receive the same sum.

Each further child raises the ceiling by 13,644.01 € but not the 520 € maximum. Below the ceiling the award never drops under 10 € a month.

One condition removes many applicants before any calculation: your rent must exceed 25% of your net income. If you are well housed at a moderate rent, you do not qualify, even on a low income.

Work out your rent subsidy — the calculator applies the official scale and shows which test you pass or fail.

Who does not qualify

The official pages state these in small print, and they exclude very common situations:

• fewer than 3 months' right of residence in Luxembourg;
• a home rented from a first-degree ascendant or descendant — renting your parents' flat closes the right;
• public or subsidised housing (Fonds du logement, SNHBM, communes, social associations): the aid targets the private market;
• a household owning more than one third of a dwelling, in Luxembourg or abroad;
• a home that is not your main and permanent residence.

Renting: the state deposit guarantee

If you cannot advance the deposit, the state can stand guarantor for up to 2 months' rent excluding charges. The income ceilings match the subsidy, but the rent test is reversed: here your rent must not exceed 50% of net income. You must also not have already paid the deposit, and must commit to rebuilding it by saving over 3 years. The same calculator covers both.

Buying: the Bëllegen Akt cancels 40,000 € of duties

Buying a home attracts 6% registration duty and 1% transcription duty, so 7% in total. The Bëllegen Akt tax credit is set against those duties at 40,000 € per buyer — made permanent by the law of 3 July 2025 after several temporary rounds.

Worked example

A couple buying together each hold 40,000 €, so 80,000 € of credit. Because duties are 7% of the price, that covers roughly 1,142,857 € of purchase price duty-free. A single buyer covers about 571,429 €. A minimum of 100 € is always collected.

Two rules matter as much as the amount. The home must be your main, personal and actual residence for at least 2 years (4 years for building land or a property under construction), or the credit is clawed back. And any unused balance is not lost: it stays available for later purchases until exhausted.

An increase to 45,000 € per buyer was announced on 16 July 2026 in the "Booster fir de Wunnengsbau" package, retroactive once voted. As of 27 July 2026 it had not been voted: a deed signed today still carries 40,000 €.

Renovating: Klimabonus, Klimapret and 3% VAT

The Klimabonus pays flat amounts per item, reconciled on 21 July 2026 against Klima-Agence's official simulator: 10,000 € for an air-to-water heat pump, 12,000 € for a geothermal one, 8,000 € for a pellet boiler, 2,000 € for removing an oil tank, up to 10,000 € for solar panels and 2,250 € for a battery. Enoprimes adds 1,500 € on a heat pump.

Estimate your Klimabonus for the per-measure detail.

Alongside it, VAT on the work falls from 17% to 3%, capped at 50,000 € of advantage per dwelling, for a building at least 10 years old kept as a main residence for 2 years. The Klimapret lends up to 100,000 € over 15 years with a 1.5% interest subsidy.

Why your commune changes the total

Many communes top up the state Klimabonus, which explains large differences between addresses. Luxembourg City and Differdange add 50% of the state amount — Differdange capped at 5,000 € per measure — and Mamer adds 30%, capped at 7,200 €. Esch-sur-Alzette and Walferdange set a different rate per measure.

We show a top-up only for the 5 communes whose regulation we have read, out of 101. Elsewhere the calculator says "not modelled" rather than applying a zero, because many of those communes do pay something, and showing zero would understate your total.

What we do not calculate

For honesty, these exist but stay outside our calculators: the prime à l'accession à la propriété, whose current scale we have not reconfirmed; the state guarantee on a mortgage; and the Klimabonus per-m² insulation scales, which could not be re-verified at the last check. We would rather show nothing than a figure we cannot justify.

The interest subsidy (subvention d'intérêt), which lowers the rate you actually pay on part of your loan, is also outside this calculator — yet it is the aid buyers most often miss. We cover it in what really determines the cost of your mortgage.

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