ArmInfo. 82% of housing offers in Armenia's regions are beyond the financial means of the state program for Artsakh's internally displaced residents. Artsakh Ombudsman Gegham Stepanyan wrote this on his Facebook page.
He said this is based on the results of a study he conducted to demonstrate how difficult, and often simply unrealistic, it is to purchase housing under the state housing program for Artsakh residents. To do this, Stepanyan explained, he analyzed all real estate listings in 10 regions of Armenia on the List.am platform. "Yerevan was not taken into account, since at current prices, purchasing housing under this program in the capital is practically impossible without additional payment or additional credit." "My goal was to determine what portion of the real estate for sale in the regions fits within the amount of the certificates provided to forcibly displaced Artsakh families," the Artsakh Ombudsman explained.
For his calculations, the human rights activist explained, he used families of four and five people, assuming the average cost of a certificate per person is 4 million drams. "Thus, for a family of four, the budget is 16 million drams, and for a family of five, 20 million drams." The results were quite telling. A total of 8,770 real estate listings were posted in 10 regions of Armenia. Of these, only 1,028 properties were priced at up to 16 million drams; 1,587 properties were priced at up to 20 million drams. "That is, even a simple comparison of the number of listings shows that the overwhelming majority of offers (82%) are beyond the financial means of Artsakh's forcibly displaced families," Stepanyan noted.
He also noted that a significant portion of properties in this price range are unfinished, require renovation, or are generally in poor condition. "If desired, anyone can visit the platform and see this for themselves," the Artsakh Ombudsman noted.
The scale of the problem, he said, becomes even more apparent when looking at the actual results of the program. In this regard, he noted that approximately 3,700 families have already received housing certificates but are unable to use them. "A total of approximately 8,500 certificates were issued, of which approximately 4,800 were used. Interviews with representatives of families who were able to use the certificates clarify the overall picture: these are either families with large numbers of members, those who took out additional loans, or those who were forced to purchase housing in extremely poor living conditions. The conclusion is clear: the supply on the secondary market does not meet the needs of forcibly displaced Artsakh families in either the number of available properties or their quality," the Artsakh Ombudsman concluded.
As a reminder, on September 19, 2023, Azerbaijan, under the pretext of an "anti-terrorist operation," initiated a large-scale aggression against Artsakh, which led to the complete de-Armenization of the NKR. This was preceded by a nearly 10-month blockade of the republic. Since the enemy aggression that began in the fall of 2020, which culminated in the complete ethnic cleansing of Artsakh in September 2023, over 150,000 Artsakh residents have lost their homeland and become refugees.
It should be noted that the amount of assistance under the housing support program certificates ranges from 3 to 5 million drams (per family member). As of January 9, 2026, only 4,040 families forcibly displaced from Artsakh have benefited from the state housing support program. The terms of the state housing program for Artsakh residents have recently been amended, according to which residents of Artsakh from all target groups can apply for participation in the housing program, regardless of the number of minor children in the family or the presence of individuals from other vulnerable groups. Despite some changes, however, against the backdrop of a surge in prices on the real estate market, this government program is not accessible to many refugees from Artsakh.
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