Analýza cen nemovitostí a dostupnosti vlastního bydlení v ČR

This master thesis focuses on the analysis of real estate prices and the availability of own housing in the Czech Republic with a focus on the development of residential property prices and regional differences. The aim of the thesis is to evaluate the development of property prices in 2016, 2020 and 2024, to identify key factors influencing price dynamics and to assess the availability of own housing in individual regions of the Czech Republic. To analyse the affordability of owner-occupied housing, the thesis uses a selected indicator, the price-to-income ratio (PTI), which enables a comprehensive assessment of the relationship between household incomes and house prices. To calculate the PTI, it was first necessary to define the sample properties on which the analysis will be performed. An apartment of 60 m² and a family house of 120 m² were chosen. The collection of data on property prices for the affordability analysis was carried out from November 2024 to March 2025 via the real estate portal Sreality.cz. Data on average annual gross household incomes were obtained from the Český statistický úřad. The results of the work show growing differences in housing affordability between the regions. The work shows that the least affordable region is the Hlavní město Praha, where it takes 13.1 years to buy a 60 m² apartment and 21.4 years to buy a 120 m² house. On the other hand, the most affordable regions are Vyšočina kraj, Ústecký kraj and Moravskoslezský kraj.