Analýza finanční dostupnosti vlastnických a nájemních bytů v Plzni v období 2013-2022

This thesis focuses on the analysis of the financial affordability of housing in Pilsen between 2013 and 2022. The analysis focuses exclusively on owner-occupied and rental apartments during the specified period. The analysis is based on four indicators, which are price-to-income, housing expenditures-to-income, rent-to-income, and price-to-rent. The theoretical part focuses on defining the concept of housing from various professional perspectives, with an emphasis on the economic concept of housing. Attention is also paid to the characteristics of the housing market, its imbalances, and the role of the state through housing policy. The theoretical part also addresses the issue of financial affordability and methods of measuring it, including a summary of the results of selected studies on this topic. The practical part analyses the affordability of housing in Pilsen using the four indicators mentioned above for six model households reflecting the distribution of households in Pilsen, which are assigned incomes, housing costs, and the size of the apartment in demand depending on the number of members of the household. The results of the analysis showed that between 2013 and 2022, the affordability of owner-occupied housing in Pilsen gradually decreased, while the affordability of rental housing improved. Nevertheless, owner-occupied housing remained more affordable for most of the period under review, and therefore the hypothesis that "owner-occupied housing is more affordable than rental housing for households in Pilsen in the long term" was confirmed for this period. However, the change in trend in the final years of the period under review suggests that the hypothesis may no longer hold true in the coming years.