Bourges · report

Buy or rent in Bourges

Owning a 90 m² apartment costs less each month than renting it. Owning counts interest, running costs and the return the deposit could earn, at apartments' median sale price; rent is the asking rent. Repaying the loan is saving, so it is left out.

Rent per month: €1,026
Owning per month: €511

Try your own numbers

Starting from the median sale price of apartments, €1,553/m², and the asking rent of an apartment, €11.4/m² a month with charges (2025), in Bourges, and a mortgage rate of 3.2%.

Assumptions

Home size, m²

Deposit

Mortgage rate, %

3.2

Running costs, % of price a year

Property tax (taxe foncière), insurance, maintenance and co-ownership charges.

Return on savings, % a year

What the deposit and purchase costs could earn if invested instead.

Purchase costs, % of price

Notary fees and transfer duties, paid once.

Owning costs less each month than renting.

Rent a month: €1,026
Owning a month, not recovered: €511
Interest: €335
Running costs: €116
Return given up: €59
Cash out a month, if buying: €660

Gross rental yield in Bourges

A year's asking rent as a share of the sale price, apartments, for each year the rent map was published. Higher means rent is dear compared with buying.

Show the numbers

Period	Bourges
2025	8.5%
2024	9.7%
2023	8.4%
2022	8.3%

The comparison counts only the costs of owning you never get back: interest, running costs and what the deposit and purchase costs could earn elsewhere. Loan repayments build equity, so they are left out. So is any rise in the home's value, because nobody knows it in advance. Rents here are asking rents with charges included, from the ANIL rent map, so they run a little above what tenants pay in rent alone, and the yield reads a little high.

Other reports for Bourges

Affordability

At the median sale price, a 90 m² home costs €147,150. With 10% down and a 30-year mortgage, the payment is €573 a month. The HCSF caps it at 35% of a household's income.

Payment, two incomes: 14%
Payment, one income: 28%