Toledo · Toledo

Bare-ownership Toledo chalet, 5 bedrooms

€437,900 756 €/m²

579 m² chalet across three floors with five bedrooms, five bathrooms, private garden, pool and garage. Owners retain lifetime use and enjoyment.

Estimated monthly account

Rental income+€4,227/month
Mortgage 80% · 25 years · Euribor 2.86%−€1,636/month
Costs IBI, service charge, allowance · estimated−€139/month
Net cash flow +€2,452/month

Estimated up-front investment €135,749 · 20% deposit + 11% purchase costs

On Inmoblia since 29 August 2026 · Published by Mas Vida

The property

Specifications

What the advert says about the property: floor area, layout, condition and registry details.

Some advert data is uncertain

We show the source-reported value for context, but exclude it from calculations until the conflicting evidence is resolved.

Type
Detached house
Built area
579 m²
Bedrooms
5
Bathrooms
5
Floors in the property
3
Year built
1980
Condition
Good condition
Transaction type
Bare ownership
Orientation
South
Fittings

Fittings and extras

What the property comes with and how much each item weighs in the “Property data” sub-score.

  • Terrace +3
  • Pool
  • Garden
  • Parking +5
  • Storage room

The advert also mentions:

  • Lifetime use retained by current owners aged 80 and 81
  • Three stone fireplaces
  • Independent apartment with bedroom, kitchen and bathroom
  • Built-in wardrobes
  • Views over Toledo
  • Professional fees of 3% plus VAT excluded from sale price
  • Buyer assumes property tax, extraordinary assessments and building insurance
  • Seller assumes ordinary community fees, contents insurance, waste charges and utilities

Free text we could not normalise into a comparable attribute, so it does not score.

How these values score

The verdict

What the analysis sees

The specific signals the model finds in this property and its municipality, before going into the score in detail.

In favour

  • Gross yield of 11.6%An attractive annual rent against the purchase price.
  • In good conditionNo renovation needed to put it on the rental market.

Against

No notable risks in the available data.

Municipal momentum

Where the local market is heading.

Rent price index

INE · 2011 base = 100 · yearly

+3.8% interanual
125.6 20112014201820212024 113.4 · 2011113.4 · 2011109.4 · 2012109.4 · 2012103.8 · 2013103.8 · 2013102.1 · 2014102.1 · 2014100 · 2015100 · 2015101.8 · 2016101.8 · 2016104 · 2017104 · 2017105.5 · 2018105.5 · 2018109.6 · 2019109.6 · 2019111.2 · 2020111.2 · 2020113.7 · 2021113.7 · 2021117.5 · 2022117.5 · 2022121 · 2023121 · 2023125.6 · 2024125.6 · 2024

Housing transactions

MIVAU · deals per year

−2.1% interanual
1,105 20112015201820222025 758 · 2011758 · 2011857 · 2012857 · 2012446 · 2013446 · 2013449 · 2014449 · 2014563 · 2015563 · 2015688 · 2016688 · 2016914 · 2017914 · 20171,046 · 20181,046 · 20181,104 · 20191,104 · 2019851 · 2020851 · 20201,154 · 20211,154 · 20211,046 · 20221,046 · 2022925 · 2023925 · 20231,129 · 20241,129 · 20241,105 · 20251,105 · 2025

Investment guide for Toledo

Municipal demand

The structural depth of demand in the area.

13.8 yearsPurchase affordability
median 8.1 years years of household income to pay for the home (€31,815/year)
159%Rent burden
median 33% annual rent as a share of household income · healthy below 30%
8.6 yearsPrice / Rent (PER)
median 27.7 years years of rent to pay off the purchase · lower is cheaper relative to its rent
+0.8%Rent trajectory
0 = flat average annual growth of the municipal rent index (INE)
4%Unemployment rate (approx.)
median 10% unemployed over unemployed + social security contributors (a proxy comparable across municipalities)
+14.3‰Net migration
median 12‰ arrivals minus departures from abroad per 1,000 residents · a growing population sustains demand

Registered unemployment

SEPE · yearly average

−3.7% interanual
3,295 20192021202320242026 4,913 · 20194,913 · 20195,561 · 20205,561 · 20205,105 · 20215,105 · 20213,979 · 20223,979 · 20223,739 · 20233,739 · 20233,559 · 20243,559 · 20243,422 · 20253,422 · 20253,295 · 20263,295 · 2026

Average gross income

AEAT · annual tax return

+2.2% interanual
€31,815 20132016201820212023 €26,282 · 2013€26,282 · 2013€26,205 · 2014€26,205 · 2014€26,570 · 2015€26,570 · 2015€28,014 · 2016€28,014 · 2016€28,619 · 2017€28,619 · 2017€29,225 · 2018€29,225 · 2018€29,871 · 2019€29,871 · 2019€28,751 · 2020€28,751 · 2020€29,734 · 2021€29,734 · 2021€31,119 · 2022€31,119 · 2022€31,815 · 2023€31,815 · 2023

Registered population

INE · yearly population register

0.0% interanual
87,216 20112014201720202025 83,108 · 201183,108 · 201183,108 · 201183,108 · 201183,108 · 201183,108 · 201183,108 · 201183,108 · 201184,019 · 201284,019 · 201284,019 · 201284,019 · 201284,019 · 201284,019 · 201284,019 · 201284,019 · 201283,593 · 201383,593 · 201383,593 · 201383,593 · 201383,593 · 201383,593 · 201383,593 · 201383,593 · 201383,334 · 201483,334 · 201483,334 · 201483,334 · 201483,334 · 201483,334 · 201483,334 · 201483,334 · 201483,226 · 201583,226 · 201583,226 · 201583,226 · 201583,226 · 201583,226 · 201583,226 · 201583,226 · 201583,459 · 201683,459 · 201683,459 · 201683,459 · 201683,459 · 201683,459 · 201683,459 · 201683,459 · 201683,741 · 201783,741 · 201783,741 · 201783,741 · 201783,741 · 201783,741 · 201783,741 · 201783,741 · 201784,282 · 201884,282 · 201884,282 · 201884,282 · 201884,282 · 201884,282 · 201884,282 · 201884,282 · 201884,873 · 201984,873 · 201984,873 · 201984,873 · 201984,873 · 201984,873 · 201984,873 · 201984,873 · 201985,811 · 202085,811 · 202085,811 · 202085,811 · 202085,811 · 202085,811 · 202085,811 · 202085,811 · 202085,449 · 202185,449 · 202185,449 · 202185,449 · 202185,449 · 202185,449 · 202185,449 · 202185,449 · 202185,085 · 202285,085 · 202285,085 · 202285,085 · 202286,070 · 202386,070 · 202386,070 · 202386,070 · 202386,526 · 202486,526 · 202486,526 · 202486,526 · 202487,216 · 202587,216 · 202587,216 · 202587,216 · 2025

Net international migration

INE · immigration − emigration · yearly

+28.6% interanual
1,250 2021202220232024 363 · 2021363 · 20211,269 · 20221,269 · 2022972 · 2023972 · 20231,250 · 20241,250 · 2024

Recorded offences

Ministry of the Interior · cumulative

+84.4% interanual
9,331 202420252026 996 · 2024996 · 20242,081 · 20242,081 · 20243,076 · 20243,076 · 20244,081 · 20244,081 · 20245,060 · 20255,060 · 20256,054 · 20256,054 · 20257,173 · 20257,173 · 20258,276 · 20258,276 · 20259,331 · 20269,331 · 2026

Recorded offences (municipalities over 20,000 residents only, from 2024) are territorial context: they do not label an area “safe” or “unsafe”, nor do they measure tenant risk.

Comparables

Similar properties nearby

Real references of the same municipality and type, to cross-check rent and price. They are not necessarily active offers.

This is a shortlisting pass over the advert's data, not a due diligence report. Before deciding, check the points we cannot verify from here:

  • Possession: that it is vacant, with no squatters and no tenants on a live contract.
  • If it is let, the current rent, the type of contract and its expiry date.
  • The real state of repair and services (possible hidden renovation work) and a valid energy certificate.
  • The real service charge and, above all, whether any special levies are approved or pending: they appear in the minutes of the last owners' meetings.
  • The property's actual IBI: our figure is an estimate from the municipality's cadastral values, not the specific bill.
  • Charges, mortgages, seizures or easements in the Land Registry extract.