La Spezia province · report
Affordability in La Spezia province
Figures for Liguria: La Spezia province has no reliable figures of its own.
At the average OMI valuation, a 90 m² home costs €168,750. With 10% down and a 30-year mortgage, the payment is €686 a month. Italy sets no cap on the payment; lenders must assess each borrower's creditworthiness.
- Payment, two incomes
- 13%
- Payment, one income
- 26%
Try your own numbers
Starting from the average OMI valuation of €1,875/m² per m² in La Spezia province, the median net income of a household, €32,093 a year (2024, Liguria), and a mortgage rate of 3.6% (August 2026).
The payment takes 13% of net income. Italy sets no limit on it.
- Home price
- €168,750
- Monthly payment
- €690
- Share of net income
- 13%
The mortgage payment as a share of income, year by year
A 90 m² home with 10% down over 30 years, at each year's average price and rate, against one and against two of that year's median incomes.
- Two median incomes
- One median income
Show the numbers
| Period | Two median incomes | One median income |
|---|---|---|
| 2024 | 12.6% | 25.2% |
| 2023 | 13.1% | 26.2% |
| 2022 | 11.5% | 23.0% |
| 2021 | 11.1% | 22.3% |
| 2020 | 11.1% | 22.2% |
| 2019 | 11.5% | 23.1% |
| 2018 | 12.6% | 25.2% |
| 2017 | 13.1% | 26.1% |
| 2016 | 13.4% | 26.7% |
Italy against the EU
Share of people spending over 40% of their disposable income on housing, then the rest of Eurostat's survey of living conditions. These are national figures, shown here as context.
- Italy
- EU
Show the numbers
| Year | Italy | EU |
|---|---|---|
| 2025 | 5.0% | 7.7% |
| 2024 | 5.1% | 8.2% |
| 2023 | 5.7% | 8.8% |
| 2022 | 6.6% | 8.7% |
| 2021 | 7.2% | 8.7% |
| 2020 | 7.2% | 7.8% |
| 2019 | 8.7% | 9.4% |
| 2018 | 8.2% | 9.6% |
| 2017 | 8.2% | 10.1% |
| 2016 | 9.6% | 10.9% |
| 2015 | 8.6% | 11.2% |
| 2014 | 8.5% | 11.5% |
| 2013 | 8.9% | 11.6% |
| 2012 | 8.1% | 11.5% |
| 2011 | 8.7% | 10.6% |
| 2010 | 7.7% | 10.0% |
| Share of people who | Italy | EU |
|---|---|---|
| Spend over 40% of income on housing | 6.3% | 7.7% |
| … nationals (adults) | 4.4% | 7.1% |
| … citizens of another EU country (adults) | 17.1% | 15.2% |
| … non-EU citizens (adults) | 38.0% | 18.1% |
| Live in an overcrowded home | 12.7% | 16.8% |
| Own their home outright | 39.7% | 43.7% |
| Own with a mortgage | 31.5% | 24.8% |
| Rent at market price | 16.3% | 20.8% |
| Rent at a reduced price or free | 12.5% | 10.7% |
Income is ISTAT's median net income of households, imputed rents left out: the whole household's income after taxes and contributions, from the EU-SILC survey. It is published by region only, about two years late, so a province or city takes its region's figure and today's price is set against the latest year. Prices are OMI valuations, not sale prices. Italy sets no limit on the payment as a share of income: lenders must assess each borrower's creditworthiness.
Other reports for La Spezia province
Figures for Italy: La Spezia province has no reliable figures of its own.
1.6% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 53,036
Valuations have fallen by 3% or more once since 2016. That fall began in 2016.
- Deepest fall
- −4.2%
- Recovery from the low
- 12 months
In 2025 the population fell by 380 while 89 new homes were granted a permit.
- Homes permitted, 2025
- 89
- Population change, 2025
- −380
32.7% of the 151,291 homes counted in the 2023 census had nobody resident in them.
- Empty, 2023 census
- 32.7%
- Empty homes
- 49,398
In 2025, 7% of the homes authorised were extensions of existing residential buildings.
- Homes in existing buildings, 2025
- 7%