Arcos de la Frontera · report
Buy or rent in Arcos de la Frontera
Owning and renting a 90 m² home cost about the same each month. Owning counts interest, running costs and the return the deposit could earn, at the appraised value; rent is the mean of new leases. Repaying the loan is saving, so it is left out.
- Rent per month
- €439
- Owning per month
- €422
Try your own numbers
Starting from the average appraised value of €1,326/m², and the mean rent of leases signed in 2024, €4.9/m² a month, in Arcos de la Frontera, and a mortgage rate of 3.0%.
Owning and renting cost about the same each month.
- Rent a month
- €439
- Owning a month, not recovered
- €419
- Interest
- €268
- Running costs
- €99
- Return given up
- €51
- Cash out a month, if buying
- €552
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 the mean rent of leases signed in the year, from landlords' income tax returns (AEAT); prices are appraised values, not sale prices.
Other reports for Arcos de la Frontera
At the average appraised value, a 90 m² home costs €119,331. With 10% down and a 30-year mortgage, the payment is €455 a month. Spain sets no cap on the payment; lenders must assess each borrower's solvency.
- Payment, two incomes
- 18%
- Payment, one income
- 36%
Figures for Cádiz province: Arcos de la Frontera has no reliable figures of its own.
66.1% more homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 2,978
Figures for Cádiz province: Arcos de la Frontera has no reliable figures of its own.
Buyers living abroad bought 3.6% of the homes sold here in the four quarters to Q2 2026.
- Bought by buyers abroad, 12 months
- 3.6%
Appraised values have fallen by 3% or more 3 times since 2005. The deepest began in Q1 2008.
- Deepest fall
- −68.8%
- Recovery from the low
- Not yet
18.3% of the 15,460 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.
- Empty, 2021 census
- 18.3%
- Empty homes
- 2,831