Salzburg housing subsidy 2025: loans up to €130,000, eco points and renovation grant

Short answer: What is the Salzburg housing subsidy?

The Salzburg housing subsidy 2025 offers income-dependent loans of up to €130,000 for owner-occupied homes, an eco points system rewarding energy efficiency, and a renovation subsidy. For a 2-person household the income limit is €65,000 net per year. The application must be submitted to the Province of Salzburg before construction starts or the property is purchased – late applications are not accepted.

• •Housing subsidy loan: up to €130,000 low-interest provincial loan for new builds or purchase of an owner-occupied primary residence.
• •Eco points bonus: the loan amount increases with the number of eco points achieved – the more eco points, the higher the subsidy.
• •Renovation subsidy: up to €30,000 loan for thermal renovation of existing buildings (facade, windows, roof, heating).
• •Housing allowance (Wohnbeihilfe): monthly grant for low-income households to ease ongoing housing costs.

• •1 person: €52,000 net annual income.
• •2 persons: €65,000 net annual income.
• •Each additional household member: +€7,500 net annual income.
• •Example: 3-person household (1 child): max €72,500 net annual income.
• •Exceeding the income limit: no subsidy entitlement, no taper or exceptions.
• •For the self-employed, the taxable profit from the most recent tax assessment is used.

• •Minimum 60 eco points required for subsidy eligibility.
• •Points are awarded for: heating type, thermal insulation, building systems and location quality.
• •Heat pump combined with passive house standard: 100 or more eco points achievable.
• •Oil or gas heating: typically below 40 points – not eligible for the housing subsidy.
• •Eco points calculator: officially available at wohnbaufoerderung.salzburg.gv.at.

• •Responsible authority: Province of Salzburg, Department of Housing Subsidies.
• •Application timing: before construction or property purchase – subsequent submissions are excluded.
• •Required documents: income proof for all household members, building plans or draft purchase contract, energy certificate, land register extract.
• •Processing time: typically 6 to 12 weeks from receipt of complete documents.
• •After approval, a written decision (Förderbescheid) is issued specifying the exact loan conditions.

• •Salzburg: eco points system (min. 60 points), housing subsidy loan up to €130,000.
• •Lower Austria (NÖ): standard loan up to €110,000 base amount plus eco-bonus for low energy consumption.
• •Upper Austria (OÖ): points-based system using the energy consumption figure (EKZ), subsidy up to approx. €80,000.
• •Styria: annuity subsidy up to €21,600 total over the loan term.
• •Vienna: combination of subsidy loan and housing allowance with its own income limits and programs.

• •Thermal renovation: low-interest loan up to €30,000 for facade, windows, roof and heating replacement.
• •Heating replacement (switching away from oil/gas): additional bonus when switching to renewable energy sources.
• •Photovoltaic: grant up to €3,600 for the installation of a photovoltaic system.
• •Combination with federal subsidies (e.g. Klimabonus) is generally possible – double-funding the same building element is not permitted.

Official sources

• Province of Salzburg: Housing Subsidies
• Eco points calculator Salzburg