House prices in Ceuta

At the average appraised value, a 90 m² home costs €199,341. With 10% down and a 30-year mortgage, the payment is €760 a month. Spain sets no cap on the payment; lenders must assess each borrower's solvency.

Owning a 90 m² home costs less each month than renting it. 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.

Figures for Spain: Ceuta has no reliable figures of its own.

42.5% more homes were licensed for construction in the last 12 months than in an average year of the past decade.

Buyers living abroad bought 0.0% of the homes sold here in the four quarters to Q2 2026.

Appraised values have fallen by 3% or more 2 times since 2005. The deepest began in Q3 2008.

14.4% of the 28,315 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.