Indicative · Regional data · Updated 2025-Q1
Spain property investment calculator
Estimate the financial outcome of buying property in Spain across four investment strategies — buy-to-let, short-term holiday rental, flip and long-term hold. Pre-filled with regional rent and price data, fully editable.
Source: Idealista / Tinsa Q1 2025
19% EU/EEA · 24% non-EU
Buy-to-let — long-term rental
Suggested rent at €14/m²/mo for Marbella
Gross yield
4.00%
Net yield
1.10%
Cash-on-cash return
-5.19%
Net monthly cashflow
-€1,135
Breakdown
- Effective annual rent
- €18,547
- Annual fixed costs (IBI, community, maintenance)
- − €10,224
- Management
- − €1,484
- Income tax
- − €1,299
- Annual mortgage
- − €19,154
- Net annual cashflow
- -€13,614
Indicative only. Figures shown are estimates for informational purposes and do not constitute financial advice. Final mortgage assessment is conducted by regulated mortgage professionals and lenders. Mortgage conditions vary depending on lender assessment.
Regional figures are indicative quarterly snapshots from public sources (INE, Idealista, Tinsa, AirDNA). Actual prices and rents vary by street, building condition and season. Past price growth does not predict future returns. Tax modelling is simplified — consult a Spanish gestor and your home-country advisor before committing capital.