San Javier · Murcia

Southeast apartment near Mar Menor

€275,000 4,231 €/m²

2022 ground-floor apartment in Santiago de la Ribera with 65 m² built area, two bedrooms and two bathrooms. Includes communal pool and garden, private terrace, parking and storage, 100 metres from the beach.

Estimated monthly account

Rental income+€384/month
Mortgage 80% · 25 years · Euribor 2.95%−€1,038/month
Costs IBI, service charge, allowance · estimated−€108/month
Net cash flow −€762/month

Estimated up-front investment €81,125 · 20% deposit + 9.5% purchase costs includes 8.0% transfer tax in Región de Murcia; reduced rates may apply

Reference AJ064 · On Inmoblia since 4 September 2026 · Published by Munfort

The property

Specifications

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

Type
Apartment
Built area
65 m²
Bedrooms
2
Bathrooms
2
Floor
0
Year built
2022
Energy certificate
In progress
Orientation
South-east
Service charge
€89/month
Fittings

Fittings and extras

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

  • Air conditioning +3
  • Furnished +3
  • Terrace +3
  • Balcony
  • Pool Communal +2
  • Garden Communal
  • Parking 1 space +5
  • Storage room

The advert also mentions:

  • Open-plan kitchen
  • Equipped kitchen
  • Two built-in wardrobes
  • Wooden flooring
  • 14 m² garden
  • Un-glazed terrace
  • Patio
  • En-suite bathroom
  • Security door
  • Electric shutters
  • Home automation
  • Numbered parking space

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

How these values score

Municipal momentum

Where the local market is heading.

Rent price index

INE · 2011 base = 100 · yearly

+3.4% interanual
121.4 20112014201820212024 109 · 2011109 · 2011106.3 · 2012106.3 · 2012103 · 2013103 · 2013100.6 · 2014100.6 · 2014100 · 2015100 · 2015102.6 · 2016102.6 · 2016103 · 2017103 · 2017106 · 2018106 · 2018108.6 · 2019108.6 · 2019109.7 · 2020109.7 · 2020111.6 · 2021111.6 · 2021114.5 · 2022114.5 · 2022117.4 · 2023117.4 · 2023121.4 · 2024121.4 · 2024

Housing transactions

MIVAU · deals per year

+9.4% interanual
1,957 20112015201820222025 589 · 2011589 · 2011558 · 2012558 · 2012731 · 2013731 · 2013855 · 2014855 · 2014831 · 2015831 · 2015877 · 2016877 · 2016925 · 2017925 · 20171,159 · 20181,159 · 20181,092 · 20191,092 · 20191,016 · 20201,016 · 20201,477 · 20211,477 · 20211,702 · 20221,702 · 20221,625 · 20231,625 · 20231,789 · 20241,789 · 20241,957 · 20251,957 · 2025

Investment guide for San Javier

Municipal demand

The structural depth of demand in the area.

9.7 yearsPurchase affordability
median 7.7 years years of household income to pay for the home (€28,369/year)
16%Rent burden
median 33% annual rent as a share of household income · healthy below 30%
59.8 yearsPrice / Rent (PER)
median 28.6 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)
10%Unemployment rate (approx.)
median 10% unemployed over unemployed + social security contributors (a proxy comparable across municipalities)
+12.6‰Net migration
median 11.9‰ arrivals minus departures from abroad per 1,000 residents · a growing population sustains demand

Registered unemployment

SEPE · yearly average

−4.9% interanual
1,578 20192021202320242026 2,137 · 20192,137 · 20192,388 · 20202,388 · 20202,327 · 20212,327 · 20211,909 · 20221,909 · 20221,795 · 20231,795 · 20231,730 · 20241,730 · 20241,660 · 20251,660 · 20251,578 · 20261,578 · 2026

Average gross income

AEAT · annual tax return

+5.7% interanual
€28,369 20132016201820212023 €22,606 · 2013€22,606 · 2013€21,988 · 2014€21,988 · 2014€27,115 · 2015€27,115 · 2015€23,129 · 2016€23,129 · 2016€23,354 · 2017€23,354 · 2017€23,553 · 2018€23,553 · 2018€24,649 · 2019€24,649 · 2019€24,333 · 2020€24,333 · 2020€25,577 · 2021€25,577 · 2021€26,844 · 2022€26,844 · 2022€28,369 · 2023€28,369 · 2023

Registered population

INE · yearly population register

0.0% interanual
36,524 20112014201820222025 32,366 · 201132,366 · 201132,366 · 201132,366 · 201132,641 · 201232,641 · 201232,641 · 201232,641 · 201232,786 · 201332,786 · 201332,786 · 201332,786 · 201331,988 · 201431,988 · 201431,988 · 201431,988 · 201431,915 · 201531,915 · 201531,915 · 201531,915 · 201531,782 · 201631,782 · 201631,782 · 201631,782 · 201631,695 · 201731,695 · 201731,695 · 201731,695 · 201731,905 · 201831,905 · 201831,905 · 201831,905 · 201832,489 · 201932,489 · 201932,489 · 201932,489 · 201933,129 · 202033,129 · 202033,129 · 202033,129 · 202033,645 · 202133,645 · 202133,645 · 202133,645 · 202134,468 · 202234,468 · 202234,468 · 202234,468 · 202235,241 · 202335,241 · 202335,241 · 202335,241 · 202335,872 · 202435,872 · 202435,872 · 202435,872 · 202436,524 · 202536,524 · 202536,524 · 202536,524 · 2025

Net international migration

INE · immigration − emigration · yearly

+8.5% interanual
459 2021202220232024 263 · 2021263 · 2021638 · 2022638 · 2022423 · 2023423 · 2023459 · 2024459 · 2024

Recorded offences

Ministry of the Interior · cumulative

+74.9% interanual
5,486 202420252026 577 · 2024577 · 20241,272 · 20241,272 · 20242,044 · 20242,044 · 20242,600 · 20242,600 · 20243,136 · 20253,136 · 20253,772 · 20253,772 · 20254,475 · 20254,475 · 20254,991 · 20254,991 · 20255,486 · 20265,486 · 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.