Anakainisi Katoikias 2026: who qualifies, how much & when

This is an indicative estimate and does not bind the managing authority of the Anakainisi Katoikias programme.

Anakainisi Katoikias at a glance: a 70–95% renovation subsidy, up to €300/m² and €36,000 per home, for properties with a building permit issued up to 1990, a floor area up to 120 m² and an energy class of Γ or below. Published in the gazette (ΚΥΑ 86272/ΕΞ2026, as amended by ΚΥΑ 116171/ΕΞ2026); the eligibility pre-check has been live since 15 June 2026 and applications start 1 September 2026 (indicative).

What is Anakainisi Katoikias

A subsidy programme for renovating older homes, with a €500m budget targeting roughly 20,000 properties. Rolled out in two phases: first closed properties to be let, then owner-occupied homes (Anakainizo – Katoiko). The ΚΥΑ (Art. 7) sets aside €479,796,260; the government's 28.08.2026 announcement cites the broader €500,000,000 total, which includes expected top-ups. Both figures are official — they just answer a different question.

Who qualifies

• Homes with a building permit issued up to 31.12.1990.
• Floor area up to 120 m² (subsidised area).
• Energy class Γ or below on the first ΠΕΑ — i.e. homes that genuinely need upgrading (classes Γ to Η).
• Income limits · Category Ι (lower income): single 18,000 €, couple 25,000 €, single-parent 28,000 € · Category ΙΙ: single 25,000 €, couple 35,000 €, single-parent 39,000 € · every child adds +5,000 € to the ceiling in both categories (for single-parent families the first child is already baked into the base — each additional child adds +5,000 €). If your 2025 income exceeds the limit, the 2023–2025 three-year average is used instead.
• Enhanced coverage (+5 pp/group) for: people with disabilities, single-parent and large families (three or more children), residents of mountainous and island areas — up to 95% (Cat. I) / 85% (Cat. II).

Want a quick "do I qualify or not" answer? Run the eligibility check — all the criteria and dates (gov.gr platform 15 June, applications September, indicative) on one page.

How much it covers

The subsidy reaches €300/m² for up to 120 m² — i.e. up to €36,000 per property (no additional amount per child). Coverage is 80% (Cat. I) / 70% (Cat. II), rising by +5 percentage points per vulnerability group (mountainous/island area, single-parent or large family, disability), up to 95% / 85% respectively. Auxiliary costs (engineer, ΠΕΑ, building identity, permits) are covered 100% up to €2,500.

What it looks like in practice

Four examples show how much you are left to pay, depending on your profile. The figures are the maximums ("up to"), computed with the same engine as our calculator — not rounded guesses.

The smaller your own contribution, the faster the renovation pays back through higher rent and property value. See exactly how the figures are derived in our methodology.

Which works are covered

The budget splits between renovation works (60–80%) and energy interventions (20–40%). At least a one-class energy upgrade is required, with an Energy Performance Certificate (ΠΕΑ) before and after.

For reference, here is what the most common works typically cost — project cost, not subsidy amount. Coverage of 70–95% (depending on Category I/II and vulnerability groups) is then applied on top:

Indicative prices for a 2-bedroom home. The estimate scales roughly ±15%/+35% per bedroom fewer/more.

These figures are indicative and depend on the state of the property. For an estimate of your own case, use the free calculator below.

What obligations you take on

• Keeping the home as a main residence — owner-occupied or on a long-term let — for at least 5 years after renovation.
• A 3-year rent freeze for the first period (where the home is let).
• A ban on short-term (Airbnb-type) letting for 5 years.
• Transferring the property before the 5 years are up means repaying the entire subsidy, not pro-rata.
• Completing the works within 18 months of the approval decision and no later than 31.12.2028.
• Funds are paid into a special account in the beneficiary's name: a 60% advance once the owner transfers their own 40% share via the bank, and the remaining 40% (with the auxiliary costs) after the completion check.

The first step: a legality check

Before anything else, the property must be planning-compliant (πολεοδομικά νόμιμο). Any unauthorised constructions or planning issues must be regularised before you apply — otherwise the application is rejected.

All the preparation steps — and the 6 mistakes that cut or reduce the subsidy — are in the preparation guide.

That is why the first person you need is an engineer (μηχανικός). They handle:

• the legality check and matching the declared square metres to the official records;
• the Electronic Building Identity (Ηλεκτρονική Ταυτότητα Κτιρίου);
• the Energy Performance Certificate (ΠΕΑ) before and after the works;
• the technical file and the small-scale works permit, where required.

Good news: the engineer's fee, the 2×EPC, the building-ID (ΗΤΚ) and the permits are 100% covered — up to €2,500 on top of the €36,000 ceiling (Art. 6 §5 — ΚΥΑ 86272/ΕΞ2026, as amended by ΚΥΑ 116171/ΕΞ2026). ecopress — the engineer's role

When and how to apply

The programme is published (ΚΥΑ 86272/ΕΞ2026 (ΦΕΚ Β' 3058/02.06.2026), as amended by ΚΥΑ 116171/ΕΞ2026 (ΦΕΚ Β' 4372/16.07.2026)). The eligibility pre-check platform (anakainisi.apps.gov.gr, via gov.gr / TaxisNet) has been live since 15 June 2026 and final applications start on 1 September 2026 (indicative — pending official confirmation). See the full deadlines & dates, where the eligibility certificate deadline differs by your home's category.

Estimate your subsidy now and leave your email — we'll notify you the moment applications open.

Not sure you meet the criteria? Run the eligibility check.

Renovation by area

Work costs, the availability of crews and the housing stock differ from city to city. See more detail for your area:

• Renovation in Thessaloniki
• Renovation in Athens

Frequently asked questions

Figures per ΚΥΑ 86272/ΕΞ2026 (ΦΕΚ Β' 3058/02.06.2026), as amended by ΚΥΑ 116171/ΕΞ2026 (ΦΕΚ Β' 4372/16.07.2026); the ΑμεΑ criteria are specified in the Implementation Guide (Οδηγός Εφαρμογής). gov.gr — Anakainizo