At the beginning of 1996, Serbia and Montenegro had 3,124,000 dwellings, with an average of 3.4 persons per dwelling. Housing area at that time averaged 20 sq m (215 sq ft) per person. New housing completions during 1995 totaled 14,337 units, of which 11,847 were in the public sector, and 2,490 were in the private sector. According to a 1999 assessment, it was estimated that about 120,000 dwellings were damaged or destroyed in Kosovo due to internal conflicts. About 50,000 homes had been damaged in Serbia. Overcrowding, particularly in urban areas, has become more of a problem as Serbian refugees have returned from Croatia and Bosnia and Herzegovina.