Ireland has the third lowest share of people (4.6%) who spend 40% or more of their disposable income on housing in the EU where the average is 11.3%. However, the figure for those living in private rented accommodation in Ireland is significantly higher (18%). Malta (1.1%) and Cyprus (3.9%) had the lowest overall shares of people spending over 40% of their income on housing while Greece (40.9%) had the highest. Housing includes rental or mortgage interest payments as well as the cost of utilities such as water, electricity, gas or heating. The figures also show that Ireland (less than 8%) had the lowest share of people living in flats/apartments in the EU and the third highest share living in semi-detached houses (52%). People in Ireland were also among the least likely (3.4%) to live in over-crowded accommodation (EU average: 16.7%).