Zambia’s property market is gaining momentum in 2025, with demand rising across residential, retail, and industrial segments as urbanization accelerates and businesses expand in hubs like Lusaka and the Copperbelt.

Rental demand in Lusaka remains resilient, with furnished and unfurnished stock moving in established suburbs like Roma, Woodlands, Ibex Hill, Lilayi, and Kabulonga due to proximity to schools, malls, and secure estates.

Mortgage affordability in Zambia is tightly linked to monetary policy, with the benchmark rate at 14.5% in 2025 and commercial lending rates averaging near 29% at the start of the year, shaping monthly repayments and loan eligibility.