Espaly-Saint-Marcel · report
Buy or rent in Espaly-Saint-Marcel
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
- €847
- Owning per month
- €492
Try your own numbers
Starting from the median sale price of apartments, €1,495/m², and the asking rent of an apartment, €9.4/m² a month with charges (2025), in Espaly-Saint-Marcel, and a mortgage rate of 3.2%.
Owning costs less each month than renting.
- Rent a month
- €847
- Owning a month, not recovered
- €492
- Interest
- €323
- Running costs
- €112
- Return given up
- €57
- Cash out a month, if buying
- €636
Gross rental yield in Espaly-Saint-Marcel
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 | Espaly-Saint-Marcel |
|---|---|
| 2025 | 7.6% |
| 2024 | 7.3% |
| 2023 | 7.5% |
| 2022 | 6.2% |
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 Espaly-Saint-Marcel
At the median sale price, a 90 m² home costs €148,590. With 10% down and a 30-year mortgage, the payment is €578 a month. The HCSF caps it at 35% of a household's income.
- Payment, two incomes
- 13%
- Payment, one income
- 27%
Figures for Haute-Loire: Espaly-Saint-Marcel has no reliable figures of its own.
2.2% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 980
In 2022 the population grew by 11 while 18 homes were started: 0.6 new residents for every new home.
- New residents per new home, 2022
- 0.6
- Population change, 2022
- +11
12.1% of the 2,032 homes counted in the 2023 census stood empty, whether for sale, to let or for other reasons.
- Empty, 2023 census
- 12.1%
- Empty homes
- 246
In 2025, 0% of the homes authorised were in existing buildings: conversions, extensions and changes of use.
- Homes in existing buildings, 2025
- 0%