Línea de la Concepción, La · Cádiz

Bare-ownership flat, three-bedroom investment

€61,400 280 €/m²

219 m² flat with 115 m² usable area, three bedrooms, two bathrooms, terrace, garage and communal pool in La Línea de la Concepción. The 61-year-old owner retains lifetime use and enjoyment.

Estimated monthly account

Rental income+€1,708/month
Mortgage 80% · 25 years · Euribor 2.86%−€229/month
Costs IBI, service charge, allowance · estimated−€68/month
Net cash flow +€1,410/month

Estimated up-front investment €19,034 · 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
Flat
Built area
219 m²
Usable area
115 m²
Bedrooms
3
Bathrooms
2
Floor
segunda planta
Year built
2009
Transaction type
Bare ownership
Fittings

Fittings and extras

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

  • Lift +3
  • Terrace +3
  • Pool Communal +2
  • Parking 1 space +5
  • Storage room

The advert also mentions:

  • Lifetime usufruct retained by the current owner
  • Buyer pays purchase formalisation costs
  • Professional fees of €6,000 plus VAT excluded
  • Residential development near the coast and local services

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 33.4%An attractive annual rent against the purchase price.

Against

No notable risks in the available data.

Municipal momentum

Where the local market is heading.

Rent price index

INE · 2011 base = 100 · yearly

+2.9% interanual
119.2 20112014201820212024 105.1 · 2011105.1 · 2011103.3 · 2012103.3 · 2012100.7 · 2013100.7 · 2013100.7 · 2014100.7 · 2014100 · 2015100 · 2015102.4 · 2016102.4 · 2016103.2 · 2017103.2 · 2017106.2 · 2018106.2 · 2018110.3 · 2019110.3 · 2019110.3 · 2020110.3 · 2020112.2 · 2021112.2 · 2021113.8 · 2022113.8 · 2022115.8 · 2023115.8 · 2023119.2 · 2024119.2 · 2024

Housing transactions

MIVAU · deals per year

+10.4% interanual
988 20112015201820222025 677 · 2011677 · 2011510 · 2012510 · 2012387 · 2013387 · 2013426 · 2014426 · 2014515 · 2015515 · 2015584 · 2016584 · 2016656 · 2017656 · 2017683 · 2018683 · 2018744 · 2019744 · 2019557 · 2020557 · 2020791 · 2021791 · 2021897 · 2022897 · 2022815 · 2023815 · 2023895 · 2024895 · 2024988 · 2025988 · 2025

Investment guide for Línea de la Concepción, La

Municipal demand

The structural depth of demand in the area.

2.3 yearsPurchase affordability
median 8 years years of household income to pay for the home (€26,688/year)
77%Rent burden
median 33% annual rent as a share of household income · healthy below 30%
3 yearsPrice / Rent (PER)
median 27.9 years years of rent to pay off the purchase · lower is cheaper relative to its rent
+1.0%Rent trajectory
0 = flat average annual growth of the municipal rent index (INE)
38%Unemployment rate (approx.)
median 10% unemployed over unemployed + social security contributors (a proxy comparable across municipalities)
+7.3‰Net migration
median 12‰ arrivals minus departures from abroad per 1,000 residents · a growing population sustains demand

Registered unemployment

SEPE · yearly average

−5.5% interanual
8,005 20192021202320242026 8,331 · 20198,331 · 201910,053 · 202010,053 · 202010,284 · 202110,284 · 20219,369 · 20229,369 · 20229,280 · 20239,280 · 20239,002 · 20249,002 · 20248,475 · 20258,475 · 20258,005 · 20268,005 · 2026

Average gross income

AEAT · annual tax return

+3.6% interanual
€26,688 20132016201820212023 €23,137 · 2013€23,137 · 2013€23,265 · 2014€23,265 · 2014€23,862 · 2015€23,862 · 2015€23,981 · 2016€23,981 · 2016€24,368 · 2017€24,368 · 2017€24,908 · 2018€24,908 · 2018€25,600 · 2019€25,600 · 2019€24,122 · 2020€24,122 · 2020€25,168 · 2021€25,168 · 2021€25,755 · 2022€25,755 · 2022€26,688 · 2023€26,688 · 2023

Registered population

INE · yearly population register

0.0% interanual
64,499 20112014201820222025 64,944 · 201164,944 · 201164,944 · 201164,944 · 201164,704 · 201264,704 · 201264,704 · 201264,704 · 201262,697 · 201362,697 · 201362,697 · 201362,697 · 201363,132 · 201463,132 · 201463,132 · 201463,132 · 201463,352 · 201563,352 · 201563,352 · 201563,352 · 201563,278 · 201663,278 · 201663,278 · 201663,278 · 201663,146 · 201763,146 · 201763,146 · 201763,146 · 201762,940 · 201862,940 · 201862,940 · 201862,940 · 201863,147 · 201963,147 · 201963,147 · 201963,147 · 201963,630 · 202063,630 · 202063,630 · 202063,630 · 202063,365 · 202163,365 · 202163,365 · 202163,365 · 202163,271 · 202263,271 · 202263,271 · 202263,271 · 202263,773 · 202363,773 · 202363,773 · 202363,773 · 202364,177 · 202464,177 · 202464,177 · 202464,177 · 202464,499 · 202564,499 · 202564,499 · 202564,499 · 2025

Net international migration

INE · immigration − emigration · yearly

+29.0% interanual
471 2021202220232024 275 · 2021275 · 2021443 · 2022443 · 2022365 · 2023365 · 2023471 · 2024471 · 2024

Recorded offences

Ministry of the Interior · cumulative

+81.7% interanual
5,161 202420252026 662 · 2024662 · 20241,211 · 20241,211 · 20241,791 · 20241,791 · 20242,369 · 20242,369 · 20242,841 · 20252,841 · 20253,464 · 20253,464 · 20254,075 · 20254,075 · 20254,616 · 20254,616 · 20255,161 · 20265,161 · 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.

They let for…

Comparable rentals in Línea de la Concepción, La, including those already let.

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.