4. Living conditions of immigrants

The median immigrant household income in the EU was almost EUR 18 000 in 2020, lower than in the OECD (around EUR 22 000). It is around 90% that of the native-born in the EU overall, as well as in Australia and Canada, and less than 86% in the United States and Colombia. Immigrants’ incomes are lower than those of the native-born in most countries – at least 23% less in longstanding destinations with many non-EU migrants (bar Germany), Southern Europe (bar Portugal) and Sweden. EU-wide, non-EU migrant incomes are 84% those of their EU-born peers. Even lower is the median income of low-educated immigrants – two-thirds that of their highly educated peers in the EU and less than half in the United States. Although education improves immigrant household income in all countries, being highly educated does not close the gap with the native-born. Highly educated immigrants in the EU show a 13% lower income than their native-born peers (4% lower in the United States). By contrast, among the low-educated, again compared with their native-born peers, immigrant income is only 3% lower in the EU, and even 4% higher in the United States.

While immigrants are overrepresented in the lowest income decile and underrepresented in the highest, their situation has improved in 1 in 4 countries over the last decade. The strongest improvements came in Finland, Greece, the United Kingdom and Portugal. In most countries, the cohorts of immigrants who arrived in the last 10 years were less likely to be in the lowest income decile and more likely to be in the highest in 2020 than recent cohorts in 2010. The trend was particularly strong in most Nordic countries, Portugal, France, Greece and the United States.

Income inequality (ratio between the tenth and the first decile) among the foreign-born tends to be wider than among their native-born peers outside Europe (bar Israel and Australia). In the United States, the OECD country with the highest level of income inequality, income in the top decile outstrips the bottom by a factor of 7.1 among the foreign-born, and 6.5 among the native-born. Income inequality is also greater among immigrants in European longstanding destinations, as well as in Spain and Denmark. However, income inequality is lower than that of the native-born in around one-quarter of countries, such as Estonia and Lithuania. Over the last decade, immigrant income inequality has declined in 2 EU countries in 5, albeit to a lesser degree than among the native-born.

Notes and sources are to be found in the respective StatLinks.

EU-wide, 26% of the foreign- and 16% of the native-born live in relative poverty. Differences are of a similar magnitude in the United States (8 percentage points), while moving in the opposite direction in New Zealand, Latin American OECD countries and Israel. In 4 out of 5 countries, the foreign-born are more likely than their native-born peers to experience poverty. In Europe, differences between the foreign- and native-born are wide in all longstanding destinations (save Germany), most Southern European countries, and those with considerable humanitarian intakes, e.g. Sweden.

Over the last decade, poverty rates have remained stable among the native-born in the EU, while falling slightly among immigrants. Outside Europe, relative poverty has become less prevalent among both groups (bar the native-born in the United States). In slightly more than half of countries, the share of immigrants living in relative poverty has declined, as it has among the native-born. By contrast, increases among the foreign-born have been particularly stark in the Netherlands (by 10 points), as well as in Sweden and some Central and Eastern European countries. Virtually everywhere, changes in foreign-born relative poverty, whether positive or negative, were more pronounced than among their native-born peers.

High levels of education – and, consequently, better chances of (stable) employment – are a buffer against relative poverty, albeit to a lesser degree among immigrants than the native-born. Relative poverty is more common among the foreign-born in countries with predominantly low-educated, non-EU migrant populations. As a result, one-third of non-EU migrants experience poverty, compared to less than a quarter of their EU-born peers. The low-educated foreign-born are also more likely to be poor, at 36% EU-wide. However, gaps with the native-born remain of a similar magnitude at all levels of education – around 10 points. This pattern is less true outside the EU, with differences between the highly educated foreign- and native-born no more than 3 percentage points in the United States and the United Kingdom. What is more, at 16%, immigrants in employment are twice as likely as their native-born counterparts to live below the relative poverty line in the EU. Similar gaps are found in the United States (24% vs 14%).

Notes and sources are to be found in the respective StatLinks.

In the EU, around three in ten immigrants are at risk of poverty or social exclusion (AROPE), against less than a fifth of the native-born. They are more likely to be AROPE in virtually all European countries, especially in Greece and Spain, where one in two immigrants is in this situation. Immigrants are more at risk in over 12 percentage points in most of Southern Europe, some longstanding destinations and Nordic countries. By contrast, in Portugal, most Central and Eastern European countries, as well as Malta, where the foreign-born population has higher average levels of educational attainment, there are little or no differences. Non-EU migrants are much more AROPE than their EU-born peers in virtually all European countries. EU-wide, roughly two in five non-EU migrants are affected, against only around one in four of the EU-born.

Over the last decade, the share of the foreign- and native-born population at risk of poverty or social exclusion has fallen across the EU by 1 and 3 percentage points, respectively. It declined in two out of three countries among the foreign-born, and in four out of five among the native-born. Except for some Central and Eastern European countries, where drops occurred, as well as Cyprus and Ireland, they have been steeper among the foreign-born. Consequently, gaps between the two groups have narrowed in several countries, particularly Finland and Iceland. By contrast, in some Southern European countries, as well as Sweden, Norway, France and the Netherlands, the share of immigrants who are AROPE has increased, while remaining unchanged among their native-born peers.

Although the level of education decreases the risk of poverty or social exclusion considerably, the wide gaps between the foreign- and native-born in exposure to the risk persist at high educational attainment. Indeed, in two-thirds of countries, even highly educated immigrants are at least twice as likely to be AROPE as their native-born peers: 18% vs 8% EU-wide. Another important determinant is duration of residence. Newcomers face specific barriers to the labour market and do not always enjoy full access to government transfers. As a result, they are at much greater risk of living in poor economic and social conditions, particularly in the Nordic countries and longstanding European destinations which are home to predominantly non-EU migrants. In most of these countries, being a settled migrant nevertheless closes the gap with the native-born by at least 40%.

Notes and sources are to be found in the respective StatLinks.

Home ownership among the native-born population in the EU is nearly twice that of the foreign-born. In all countries (except Latvia and Estonia), native-born home ownership rates exceed those of the foreign-born, with widest gaps (of at least 35 points) in parts of Southern Europe, Latin America and Korea. Unlike the native-born, immigrants have no housing inheritance from their parents. Moreover, immigrants face obstacles to home ownership in the form of lower financial means, lack of knowledge of the host country´s housing market, and discrimination when purchasing property. Despite their more limited means, foreign-born renters across the EU are only slightly more likely than their native-born peers (by 2 percentage points) to live in dwellings at a reduced rate. Indeed, in more than two-thirds of countries, migrant tenants are less likely than their native-born counterparts to rent accommodation below the market rate. A notable exception is France, where seven immigrant tenants in ten occupy housing at a reduced rate, against half of native-born tenants.

Over the last decade, ownership rates among the foreign-born have declined slightly in the OECD overall (by 1 percentage point), but more steeply in the EU (-6 points). In around two-thirds of countries, owning their home has become less likely for immigrants, especially in Korea and countries with ageing foreign-born populations –e.g. Bulgaria (home ownership down 28 points) and Poland (down 21 points). It has also fallen steeply in countries with large recent intakes of humanitarian migrants, such as the Nordic countries. At the same time, the proportion of foreign-born renting at reduced rates has risen in just over half of countries, while that of immigrants renting at the market rate increased in three-quarters of countries.

Home ownership rates rise with duration of stay in the host country, which partly explains why they are lower in countries with many recent immigrants. However, even settled migrants (with more than ten years of residence) are still much more unlikely than the native-born to own their homes in all countries (bar Estonia, Latvia and Hungary). Non-EU migrants are also less likely than EU-born– 37% versus 51% to be homeowners.

Notes and sources are to be found in the respective StatLinks.

Over one-sixth of immigrants live in overcrowded housing in both the OECD and the EU – a share that is 70% more than among the native-born in the EU. Overcrowding is more widespread among the foreign- than the native-born in virtually all countries. In two-thirds of countries, overcrowding among immigrants is at least twice as likely as among the native-born, and more than three times as likely in over one-third of countries. The widest disparities are in Colombia, Korea, Southern European countries (particularly Italy and Greece), Nordic countries, and in European longstanding destinations (especially Austria).

Over the last decade, the foreign-born overcrowding rate has risen by 3 percentage points in the EU, while falling 3 points among the native-born, thereby enhancing disparities. Native-born overcrowding has increased by more than 1 percentage point in just about one in five countries, while rising in three out of five among immigrants, particularly in Italy, some Nordic countries and some longstanding destinations with many non-EU migrants. By contrast, overcrowding among immigrants and native-born has declined in Portugal and most Central and Eastern European countries. It has dropped only for immigrants in the United States, the United Kingdom, Greece, Luxembourg and Malta.

Overcrowding gaps between the foreign- and native-born are widest in countries where low incomes of immigrants restrict the choice of housing – i.e. in countries with the largest shares of non-EU, low-educated and recent migrants, as well as foreign-born renters. In longstanding European destinations, Sweden and Southern Europe, overcrowding rates among the non-EU born are on average twice those of EU-born. EU-wide, recent migrants are also almost twice as likely as those who are settled to live in overcrowded housing, and 3 times as likely in Sweden, one of the countries with the highest share of the recently arrived foreign-born. Among both the foreign- and native-born, overcrowding is also more common in rented than owned accommodation, with rates over three times higher in the EU and the United States among immigrant tenants. However, irrespective of tenure, immigrants are more likely to live in overcrowded housing than the native-born in the vast majority of countries. Foreign-born owners in Finland, Malta and parts of Central and Eastern Europe are, however, less likely to live in overcrowded housing than their native-born peers. This is also true among rent-paying foreign-born tenants in Luxembourg, Malta, Latvia and Croatia.

Notes and sources are to be found in the respective StatLinks.

EU-wide, 26% of immigrants and 20% of the native-born live in substandard housing. In around three-quarters of countries, the foreign-born are more likely to live in deprived accommodation, by as much as 13 percentage points in Spain and 10 points in Denmark and the Netherlands. By contrast, the native-born are overrepresented among occupants of substandard housing in Cyprus, Bulgaria, Croatia, the Baltic countries, Canada and Australia. Closer scrutiny of housing problems reveals that immigrants in the EU are more likely than the native-born to grapple with major construction defects (20% versus 15%) or lack of facilities to keep a comfortable temperature (10% versus 5%). EU-wide, 6% of the foreign-born live in accommodation that is both overcrowded and substandard – twice as much as among the native-born.

Over the last decade, the proportion of individuals living in substandard housing has dropped among the foreign-born in around half of countries, but in over two-thirds among the native-born. Shares of both immigrants and the native-born in substandard accommodation declined in e.g. Italy, Greece and many Central and Eastern European countries with ageing populations. Immigrants’ housing conditions worsened, however, between 2010 and 2020, but remained stable among the native-born in Spain, the Netherlands and Norway.

Housing conditions are generally better in owned homes than rented accommodation, particularly when it is rented at a reduced rate. As immigrants are underrepresented among homeowners in virtually all countries, they are more likely to live in substandard housing. Among tenants who pay rent (particularly those at a reduced rate), there is little difference EU-wide (less than 2 percentage points) in the standard of housing between foreign- and native-born tenants. As for homeowners, differences are larger but remain relatively low (3 points). Nevertheless, immigrants remain slightly more likely to live in substandard housing, regardless of tenure. In Sweden, however, the native- and foreign-born face similar risks, again regardless of their tenure, while in Ireland and some Central and Eastern European countries, immigrants are less likely to live in substandard accommodation (in all types of tenure bar free-of-charge accommodation).

Notes and sources are to be found in the respective StatLinks.

EU-wide, around one-fifth of immigrant renters are overburdened by housing costs, against one-eighth of the native-born. While housing cost overburden rates are higher overall in non-European countries (save Australia), immigrants are nevertheless more likely to be under financial strain to pay their rent, although to a lesser extent. Only in Slovenia, New Zealand and most Nordic countries is that strain lower among the foreign-born. Housing subsidies narrow the gap in the housing cost overburden rate between immigrants and the native-born by 2 percentage points in the EU, while closing it in New Zealand. Although those subsidies halve the gap in some countries with large immigrant populations, such as Germany, France and the Netherlands, they make no substantial difference in most countries. In the United Kingdom, Denmark and Ireland, foreign-born actually receive less housing subsidies despite their higher poverty.

Although housing cost overburden rates have fallen over the last decade in more than half of countries among both foreign- and native-born, the situation has improved more for immigrants in three out of five countries. In Slovenia, the United Kingdom and Nordic countries with large recent intakes of humanitarian migrants (except Denmark), rates have dropped among immigrants but risen among the native-born, so closing the gap observed in 2010. The opposite was the case in e.g. Germany, Ireland and Malta. In Switzerland, Latvia, Luxembourg, France and the United States, immigrants are now more likely to be overburdened by rent than the native-born, unlike in 2010.

The greater access of the low-educated to housing at reduced rate in most countries does not compensate for lower incomes: they are more overburdened by housing costs than their highly educated peers. However, differences between the foreign- and native-born are wider among the highly educated than their low-educated peers in two-thirds of countries, with notable exceptions such as France, Germany and Ireland. In Greece and all Nordic countries (except Denmark), low-educated immigrants are actually less likely than their native-born peers to spend 40% of their income on rent, while those with tertiary education are more likely. The Nordic countries (except Denmark) are also among the few where recent migrants are less overburdened by housing costs than settled migrants despite being poorer, which points to those countries’ affordable housing capacity for newcomers. Even with lower incomes, non-EU migrants have a lower housing cost overburden rate than their EU peers in the EU (17% vs 21%).

Notes and sources are to be found in the respective StatLinks.

EU-wide, 21% of the native- and 15% of the foreign-born report to struggle to access non-recreational amenities in the neighbourhoods where they live. Overall, in two-thirds of EU countries, the native-born population reports poorer access to amenities than immigrants – by as much as 23 percentage points in Portugal and 10 points in Estonia. By contrast, the foreign-born in Croatia, Italy, Austria, Denmark and Cyprus report greater access difficulties, by 17 points in Croatia and 9 in Italy. Among immigrants, the EU-born report slightly more often that accessing non-recreational amenities is harder than their non-EU-born peers. When it comes to recreational amenities (green spaces, cinemas, theatres, cultural centres) and public transport, the overall picture in the EU is similar - foreign-born access is 8 points less difficult.

Larger proportions of foreign- than native-born live in rundown neighbourhoods. In the EU, the share of immigrants who report at least one major vexation (noise, air quality, litter or heavy traffic) exceeds that of the native-born (19% versus 15%). The pattern is especially true of longstanding immigration countries, such as the Netherlands, where the gap is 13 percentage points, and France and the United Kingdom, both with 6 points. In roughly a quarter of countries, by contrast, the native-born are more likely to experience major concerns in their neighbourhood, especially when it comes to heavy traffic. Among immigrants, those born outside the EU are as likely as their EU-born peers to report at least one important issue.

In the EU, immigrants are more likely to live in rundown parts of large urban areas (see Indicator 2.4). While these areas generally enjoy better access to amenities than rural areas (where the native-born are overrepresented), city-dwellers are also more likely to have to contend with serious matters like noise, air quality, litter or traffic. Factoring an area´s population density reduces differences in the native- and foreign-born experience in most countries – both in neighbourhood issues and access to non-recreational amenities. Indeed, with regard to access to amenities, adjusting for both the neighbourhood’s population density and working hours further reduces differences. What is more, as the native-born are more likely to be in employment in many countries, they may struggle to access non-recreational amenities if their standard working hours coincide with the amenities’ opening times.

Notes and sources are to be found in the respective StatLinks.

In 2020, higher shares of the native- than foreign-born claimed good health in half of countries, especially Switzerland, Estonia, and longstanding destinations with many non-EU migrants (except in Germany and the United Kingdom). In Austria and Belgium, most of the gap is driven by non-EU migrants’ self-reported poorer health. In the other half of countries, by contrast, immigrants reported health that was similar to or better than that of the native-born, for instance, in Norway, the United States, and countries where the immigration population has been shaped by labour migrants, as in Australia, Canada and Southern European countries (except Spain).

Shares of the foreign- and native-born reporting good health rose in most countries over the last decade, though not in the United Kingdom or the United States. Estonia and some Southern European countries saw much sharper increases in reports of good health among the foreign-than the native-born. By contrast, immigrants reported declining and the native-born rising health in around one-quarter of countries.

Factors, such as age (which this indicator controls for), levels of education, and behaviours in countries of destination and origin (see Indicator 4.10), affect health status and perceptions. Recent migrants also feel healthier in all countries (except Belgium, Switzerland and Greece). This may be due to the fact that they are positively selected compared to the overall population in their countries of origin (the so-called “healthy migrant effect”, which fades over time). Perceived health status also has a strong gender component, albeit to a lesser extent outside Europe. Women (particularly foreign-born) are less likely to report good health than men in virtually all countries. That gender dimension is particularly strong among immigrants in Norway, Portugal and most countries of Central and Eastern Europe. In Ireland and the United Kingdom, where there is no difference in self-reported health status between male and female native-born, immigrant women are at least 5 percentage points less likely to report good health than their male peers. Low-educated people (whatever their country of birth) are also much less likely to report good health than their highly educated peers. However, in most countries where immigrants are less likely to report good health than the native-born, this situation persists across educational levels, although the gap is much smaller among the tertiary-educated in Switzerland, the Netherlands and France and reversed in Lithuania.

Notes and sources are to be found in the respective StatLinks.

Shares of overweight people vary widely by country and between immigrants and the native-born. Overweight prevalence is significantly lower among immigrants than the native-born in around half of countries. Examples are the Nordic countries (except Sweden), as well as Malta and the United States. In the other half of countries, by contrast, immigrants are more likely to be overweight than their native-born peers, especially in the Baltic countries, Slovenia and France. In Italy, Ireland or Germany, no strong differences emerged between the two groups.

The likelihood of being overweight depends on daily diet, which is related to attitudes and culture in countries of origin. However, since it also depends on diet in countries of residence, incidence of overweight usually increases with duration of stay in countries where prevalence is high, while falling in those where it is low. In virtually all countries, the low-educated are more frequently overweight than the highly educated, among the native- and foreign-born alike. In the EU, greater proportions of the low-educated native- than foreign-born are overweight, although controlling for the younger age structure among the foreign-born closes the gap. In the United States, by contrast, low-educated immigrants are more likely to be overweight than their native-born peers. And when it comes to gender, men are more overweight than women, regardless of their place of birth. In almost all European countries, the gender gap is particularly wide among EU-born.

Other behaviours are important health-risk factors. One example is smoking tobacco on a daily basis, more widespread among immigrants than the native-born in most countries. EU-born are more likely to smoke daily than the native-born in over three-quarters of countries. The widest gaps between foreign- and native-born are in Austria, Slovenia, Cyprus and Malta. The smoking attitudes of immigrants have a strong gender bias – much more so than the native-born. In fact, greater shares of foreign- than native-born men smoke daily in two-thirds of countries, while the opposite is true among women in most countries. In the Netherlands, for instance, immigrant men are almost twice as likely as native-born men to smoke daily, while immigrant women are slightly less likely than their native-born peers.

Notes and sources are to be found in the respective StatLinks.

In 2020, the share of immigrants reporting unmet medical needs EU-wide was similar to that of the native-born (around 5%). The same was true of Australia, where there were no significant differences in unmet hospital needs between the two groups. Indeed, differences were narrow (less than 1.5 percentage points) in most countries. However, the foreign-born were significantly more likely to report unmet medical needs in Belgium and Croatia (by around 4 percentage points), and in Estonia (by 5 points). The native-born were slightly more likely in Canada. As for the EU, reports of needing but not receiving medical care were slightly more frequent among immigrants born outside the EU and recent migrants arrived over the last ten years than among the native-born. What is more, reports of unmet dental needs were more common among the foreign-born (11%) than the native-born (8%) – and even more common among recent arrivals (15%), the non-EU born (14%) and low-educated migrants (13%).

Between 2010 and 2020, the (age-adjusted) shares of the foreign- and native-born who reported unmet medical needs fell slightly in the EU. While the situation improved among both groups in most countries (particularly Latvia, Croatia and Germany), unmet medical needs nevertheless increased sharply among both native- and foreign-born in Poland (by 10 and 12 percentage points, respectively) and Estonia (10 points both). They also grew among immigrants in Belgium by 5 percentage points.

Generally, immigrant households (where all responsible persons of household are foreign-born) are less likely than their native-born peers to use healthcare services virtually everywhere (77% versus 83% EU-wide). They also pay fewer visits to the dentist or orthodontist (44% of foreign- versus 46% of native-born households). Immigrants generally face more barriers to healthcare in the form of language proficiency, health literacy, financial constraints and possibly also legal access. Accordingly, at 36% versus 30% EU-wide, immigrants struggle more to afford healthcare services than the native-born in all EU countries, except for Cyprus. Indeed, immigrants EU-wide are more likely than their native-born peers to report difficulties in affording emergency healthcare (26% versus 24%), mental health services (39% versus 35%), and dental care (43% versus 37%).

Notes and sources are to be found in the respective StatLinks.

Metadata, Legal and Rights

This document, as well as any data and map included herein, are without prejudice to the status of or sovereignty over any territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area. Extracts from publications may be subject to additional disclaimers, which are set out in the complete version of the publication, available at the link provided.

© OECD/European Union 2023

The use of this work, whether digital or print, is governed by the Terms and Conditions to be found at https://www.oecd.org/termsandconditions.