Global Investor Opportunities in NamurScenic town where Sambremeets the Meuse

Real estate in Namur: investing in Wallonia’s political and cultural capital

Introduction: Why invest in Namur

Namur, the capital of Wallonia (the French-speaking region of Belgium), is a picturesque and administratively significant city located at the confluence of the Meuse and Sambre rivers. With its rich historical heritage, expanding administrative functions, university presence, and improving infrastructure, Namur is gaining attention as a stable and attractive location for real estate investment. It offers affordable property prices, growing rental demand from students and civil servants, and a calm lifestyle that appeals to both local buyers and long-term investors.

Types of real estate in Namur

Namur’s real estate market includes:

• Historic apartments: Found in the old town around the Citadel and Rue de Fer
• Student residences: Close to the University of Namur and higher education institutions
• Townhouses and single-family homes: Common in Jambes, Salzinnes, and suburban districts
• New builds and modern developments: Especially in Bouge, Erpent, and the Meuse riverbanks
• Mixed-use buildings: Retail with upper-level residences in central zones

Legal framework and foreign ownership

As elsewhere in Belgium, foreign buyers are fully allowed to purchase and own property:

• Freehold ownership for both residents and non-residents
• No requirement to reside in Belgium to purchase real estate
• Transactions must be notarized and registered in the Belgian land registry
• Renovation or heritage rules may apply in the historic center

Property prices in Namur

• 1-bedroom apartment (center): €120,000–€170,000
• 2–3-bedroom flats: €180,000–€280,000 in prime or modern areas
• Townhouses: €220,000–€380,000 depending on size and location
• Student studios: €80,000–€140,000 near the university
• New-build apartments: €2,600–€3,600/m² in Bouge, Erpent, and city center

Namur’s prices are lower than Brussels, Ghent, or Antwerp, offering accessible entry points and reliable value retention.

Rental yields and demand outlook

• Gross yields: 4.5%–6.5% depending on property type and location
• Main tenants: University students, government employees, hospital staff
• Student housing: Stable year-round demand, especially in central Namur and Salzinnes
• Family rentals: Strong demand in quieter districts like Jambes and Erpent

Infrastructure and quality of life

Namur offers a peaceful yet well-connected urban lifestyle:

• Transport: Direct train to Brussels (1 hour), major road links (E411)
• Healthcare: CHU UCL Namur, Sainte-Elisabeth hospital
• Education: University of Namur, various primary and secondary schools
• Nature: Meuse riverbanks, Citadel Park, easy access to the Ardennes
• Cultural venues: Theatres, music halls, art galleries, and festivals

Top investment zones in Namur

• City center: Historic buildings with tourism and short-term rental appeal
• Jambes: Popular residential area on the opposite bank of the Meuse
• Bouge and Erpent: Modern development zones with higher-end apartments
• Salzinnes: Affordable housing with strong student demand

Costs and taxes

• Transfer tax: 12.5% in Wallonia for resale property; VAT of 21% for new builds
• Notary and legal fees: ~2.5%–3.5% of the transaction value
• Rental income tax: Based on cadastral value or real income (if furnished)
• Capital gains tax: 16.5% if resold within 5 years

Residency and legal stay

Property ownership does not grant residency, but it can support visa applications. Belgium offers residence permits via self-employment, EU Blue Card, or professional card systems for non-EU nationals.

Example investment scenarios

• Student studio near university (€125,000): rented for €600/month → 5.8% yield
• 2-bedroom flat in Bouge (€195,000): rented for €950/month → 5.8% gross yield
• Townhouse in Jambes (€330,000): family rental for €1,300/month → 4.7% yield

Risks and challenges

• Modest capital appreciation compared to larger cities
• Short-term rental limitations in some zones
• Slower liquidity for resale outside peak districts

How VelesClub Int. supports investment in Namur

• Selection of prime and student-oriented listings
• Legal and tax support for foreign investors
• Property management services for long-distance landlords
• Investment advice based on long-term urban planning trends

Conclusion

Namur is an ideal destination for stable, mid-yield real estate investments in Belgium. With low acquisition costs, consistent tenant demand, and a growing profile as a regional capital, it offers security and moderate returns in a balanced market. VelesClub Int. guides investors through every step of the purchase and rental process, helping you secure dependable assets in this rising Walloon city.