Considering current lending policies, the average wage in Estonia - 950 euros before taxes - will get you a mortgage on a one-room flat in Tallinn's Lasnamäe district, according to a report from a realtor.
Martin Vahter, managing director of 1Partner, said: "The average wage is enough security to get 40,000 euros in loan capital, with a monthly payment of 250 euros."
"You have to come up with 25 percent self-financing, of course. The same money can get a two-room apartment in Mustamäe that needs renovation," he continued.
In Estonian real estate parlance, one room means just that, not one bedroom.
Elsewhere in Estonia, 40,000 euros will buy a larger unit - even a farm.
"But in short, it is possible to buy a flat in Tallinn and make ends meet, but you have to reckon that without a raise, the bank won't give you any more money for a car lease or financing," he added.
The greatest number of transactions in Tallinn involve one- and two-room apartments.
"If needs and opportunities change, you won't tend to be stuck with an apartment in a bedroom community, it can be converted to funds fairly easily."
"In general, the outlook of an average wage is not that bad, and the subsistence level is better than ever before," Vahter said, adding that two average earners who pool their resources can make out quite nicely.
However, the distribution is top-heavy median wage - representing the wage level between two equal groups of lower and higher income earners - is some 25 percent lower than the average wage.