Cole, David AustinMurray Svidroňová, MáriaValihorová, Marta2025-10-072025-10-0720251336-88182989-3186https://doi.org/10.24040/aap.2025.22.2.1-15https://repo.umb.sk/handle/123456789/887In: Acta aerarii publici : vedecký časopis Ekonomickej fakulty Univerzity Mateja Bela v Banskej Bystrici. Banská Bystrica : Vydavateľstvo Univerzity Mateja Bela - Belianum, 2025. ISSN 1336-8818. Roč. 22, č. 2 (2025), s. 1-15.This paper examines the veracity of the data concerning residential real estate in all 8 Slovak regions. The research addresses the most significant factors in housing affordability, vacancy rates, and government policies' effects on market trends. The analysis in eight regions identifies major trends such as income stagnation, speculative ownership, and demographic change. Results point towards an increased mismatched housing demand and supply, especially in the form of excessive vacancy and urban-rural disparity. The study highlights the need for comprehensive policy interventions, from taxation to regulation of empty flats and investment in social housing.enCC BY-ND Creative Commons Attribution-NoDerivatives 4.0. Internationalinfo:eu-repo/semantics/openAccessrealitný trhreal estate marketdostupnosť bývaniahousing affordabilitybývaniehousingArticle