Buying real estate remains one of the safest forms of investment today. However, buyers and investors often face a recurring dilemma: is it better to purchase an apartment in the city center or a house away from the urban noise? Both options come with advantages and drawbacks, making it essential to weigh all the factors, from price per square meter and living costs to long- term value and quality of life. Below, we explore the key points that can help you decide where your investment may be more worthwhile.
Price and Affordability
Investing in a city apartment typically means paying a higher price per square meter. Demand in central areas is constant, while supply is limited, so prices rarely drop. This makes urban property a stable and secure investment. However, the initial capital required is considerably higher. In contrast, suburban housing offers more space for the same price, making it an attractive choice for families or those who want a backyard. Yet, the value growth of suburban properties largely depends on infrastructure development, new roads, public transport connections, or proximity to schools can significantly raise prices.
Lifestyle and Comfort
An apartment in the city center puts you close to your workplace, cultural venues, restaurants, cafés, schools, and healthcare facilities. Most essentials are within walking distance or easily reached by public transport, reducing the need for a car. City life is dynamic and exciting, full of events for both adults and children. On the downside, it comes with traffic congestion, noise, fewer green spaces and parking spots, and often smaller, more expensive apartments that are rarely fully renovated. For young professionals and those who enjoy an active, urban lifestyle, living in the city is almost ideal. But for families with children, it can be challenging. Suburban houses, on the other hand, offer peace, space, and a closer connection to nature. A yard, terrace, or extra rooms often make a big difference in quality of life. This environment is perfect for families, sports enthusiasts, and anyone seeking a healthier, more relaxed rhythm. The trade-off is greater reliance on cars, longer commutes, and fewer amenities nearby. If suburban areas are underdeveloped, residents may also feel isolated.
Liquidity and Value Growth
Properties in central locations are almost always easy to rent or sell, thanks to consistently high demand. Whether for long-term leases, short-term rentals, or resale, city-center apartments guarantee strong interest. Because supply is limited and cities continuously attract new residents, investing in urban property is one of the safest options. Price growth here is usually steady but moderate, without dramatic spikes. Suburban markets, however, behave differently. Where infrastructure investment is happening, new schools, shopping centers, or road networks, property values can rise rapidly, bringing significant returns in a relatively short time. Still, this growth depends heavily on urbanization and infrastructure progress. In slower- developing areas, liquidity is weaker, making properties harder to sell, often requiring price cuts or longer wait times for the right buyer.
Living and Maintenance Costs
Living in the city center usually comes with higher expenses, from property taxes and maintenance fees to parking and utility costs. Apartments in older buildings often require extra investment in renovations, electrical or plumbing upgrades, and space adaptations. On the flip side, proximity to work and schools reduces the need for a car, saving money and time. Suburban homes often mean higher utility bills due to larger square footage. For houses with gardens, additional responsibilities include yard maintenance, façade repairs, roofing, and gate upkeep. Living costs aren’t always lower than in the city, especially when fuel, car servicing, and time spent commuting are factored in.
Long-Term Outlook and Quality of Life
City living is dynamic, practical, and full of opportunities, making it an excellent choice for young professionals, couples, and investors seeking liquidity. However, it also brings stress, noise, and limited space for families. Suburban life offers tranquility, more space, and a healthier balance between work and private life. Families benefit from closeness to nature and more room to grow, though the overall quality of life still depends on transport links and the pace of local development.
When it comes to real estate, the right choice depends on your priorities. A city-center apartment is a safer and more stable investment, with guaranteed demand and minimal risk. A suburban home offers more space and the potential for faster value growth, but it comes with higher risk and dependence on infrastructure projects. If you’re buying for rental income or secure resale, the city is the better option. If your focus is on family life and long-term growth, the suburbs may be the winning bet.