The full-scale war forced Ukrainians to pay more attention to money, but not to abandon investments.
Research by Ipsos and WhiteBIT shows that people are looking for different ways to save and multiply their savings — from cash and bank deposits to crypto assets andresidential real estate. According to the survey results, 41% of financially activerespondents in Ukraine already use orconsider residential real estate as an investment tool.
Ipsos survey shows that many Ukrainians are simultaneously testing alternatives to classicdeposits: some are already working with cryptocurrency, some are just planning to try.But cryptThis is not only the potential for enrichment, but also the need for special knowledge and preparedness forsudden fluctuations.An illustrative case is the historywith the Trump coin, the collapse of which left more than 800 thousand wallets with a buyback minus of more than $2 billion.
Deposits remain a familiar and understandable tool, but under the current conditions, wheninflation and average deposit rates for the population are almost level, and interest on deposits is taxed at almost a quarter, the real return on the deposit is very modest.
The apartment on this background looks simple and understandableperspective: you get full ownership and decide for yourself whether to live in it, rent it out or eventually pass it on to your children.
For many, real estate is a fallback case of force majeure and a way to have additional income, and if you live in a different city or country, an apartment in Odessa, for example, in a residential complex withdeveloped infrastructure of Odesa City, you can profitably rent most of the year and come there in the summer and live in your own housing near the sea.
Why Odessa: constant demand for housing
Odessa is a city of great opportunities with a population of about a million people, which is distinguished byrich history, architectural heritage and unique color. It is a regional center of higher education and a major transport hub, enhancing its potential for business and comfortable living. They come here to study, work, relax. In addition, about 130 thousandmigrants live here. Therefore, the demand for rent and purchase here is formed from different directions.
According to the findings of the LUN service, in 2005 the real estate market in Odessa was restored, which was severely weakened.
Rent of one-room apartments, which by the summer of 2024 fluctuated at the level of 7 thousand hryvnias, this summer almost doubled — to 13 thousand hryvnias.
At the end of the year, the won adjusted slightly downward, but still showed a significant increase of 18%. Experts note that it can be said that in 2025 the real estate market of Ukraine entered a new stage, when the eastern and southern relatively safe regionsbegan to grow.
In the secondary market of VODESI for 2025, the average cost of one-room and two-room apartments has increasedapproximately 18%, and three-room apartments - by 13%. The city is among the fiveUkrainian leaders in prices for 2- and 3-room apartments.
In the primary marketOdessa became a record holder in the rate of increase in the price of new housing: the average cost per square meter in new buildings under construction increased by 19% over the year andat the end of 2025 reached about 47.1 thousand UAH per m². According to the State Statistics Service, cited by LUN, approximately 0.61 million m² of housing was put into operation in the Odessa region for nine months of 2025 — which is more than was delivered for the entire previous year (0.58 million m²).
Against the background of this dynamics, it is clearly visible how theinvestment in a particular project works. At the start of sales, the minimum costper square meter in Odesa City was $720. Now the price range for new queues has approached $740 per m² depending on the layout and the house, and the price is gradually increasing by about $10 per month, which is 16.6% per annum. At the same time, demand is stable: apartments are bought both with 100% payment and in installments.
In this situation, the investor receives two measures of benefit at once:
There is no alternative to the “city within the city” implementation concept yet
Todaybuyers and tenants look not only at the apartment itself, but also at thishappening around it: whether there is a kindergarten and a school nearby, where to walk with children, howtransport works and whether the area will withstand the additional load. On this background, complexes stand out, which immediately lay their own infrastructure and actually form a new neighborhood, and not just add another high-rise to the overloaded streets.
According to an interview with Forbes, CEO of “Platinumbud” Ruslan Leschishin, the developer orcreates a self-sufficient “city in a city”, or is engaged in spot development, whichuses the already existing infrastructure, but almost nothing returns the area.The format “city in the city”, according to his approach, — this is not only an apartment, but itenvironment: indoor parks, services, sports grounds, places for recreation within one territory. For an investor, this means that people choose not simplewalls, but a way of life, and it is easier for such apartments to compete in the rental andresale market.
In Odessa, ciology is implemented, in particular, in the Odesa City project. Together with residential buildingsthe institute is planning a school and kindergartens, commercial premises for shops and services, recreation areas, parking and the largest bicycle path among Odessa residential complexes. Particular emphasis is placed on engineering and autonomy — in its projects the company establishes solutions such as solar panels and wells for drinking water, whichis especially important for Odessa. For the tenant, it is about daily comfort and basicservices “under the house”, and for the investor - about housing, which claims a higher rent compared to the old fund and new buildings without their own infrastructure.
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