Top 5 major African cities with the best mortgage values

The top 5 African cities with the best mortgage values, based on Numbeo’s Mortgage as a Percentage of Income index, are Johannesburg, Port Elizabeth, Durban, Cape Town, and Rabat.

Johannesburg ranks highest with a mortgage-to-income ratio of 35.4%, followed by Port Elizabeth (43.0%) and Durban (66.2%).

A lower mortgage-to-income ratio indicates better affordability, allowing more individuals to buy homes, increase homeownership, and improve overall living standards. These cities offer better financial conditions for homebuyers compared to others, with South African cities dominating the list.