Tenants spend more than recommended for rent. And there is something that explains it: “Hot Spots” internationalized

Buying house is not easy. Rent, either. Every month a large part of Spanish families living as tenants disheve The advice Of the experts and expose their pockets to situations of “overexertion”, which means that they are forced to pay their landlords a pinch of their income greater than desirable. When it goes down to detail, like He has just made idealisthowever, a curious phenomenon is observed: not in all cities the tenants make the same effort. Moreover, there are many provincial capitals in which this effort is totally assumed.

The Great question Therefore it is: is overwriting a problem of the Spanish residential market in general or rather something that weighs on certain internationalized cities, such as Madrid, Barcelona and Malaga?

A percentage: 36%. That is the “effort rate” that supported the closure of 2024 Spanish households living for rent. Or at least this has been calculated idealist in A study in which he nourishes two major sources: the ads published on their own website and the National Statistics Institute (INE), which has served to obtain information on homes and rent of families.

The data is interesting because (technicalities separately) the “effort rate” is an important indicator for any tenant: shows what percentage of income dedicates to paying your home. The general recommendation is that this expense It does not exceed 30% of annual profits. There are those who stretch it a little more and talk about overwhelming alone From 40%. One or another reference is taken, idealist reflects that on Middle Spain exceeds the 30% barrier and steady the red zone.

A figure: 981 euros. The study Not only does the thermometer that Spaniards make to pay their rentals make. It also goes down to data in euros and sound. And its conclusion is that, on average, in Spain there is a two -room -type floor requires 981 euros per month, quite above what it would have to cost for a home standard He could rent it without crossing that red line of 30% of his annual income. Idealista believes that this “reasonable” and assumed price is 764 euros.

The fact is interesting again for several reasons. First because it reflects that the difference between the “reasonable” price and the average that is handled in the market is 217 euros per month. Second because the study shows that there are very few homes that fit (or are below) of those 764 euros. According to their calculations, they are only 32%, which means that the remaining 68% of the rental housing offer requires the tenants to tighten their finances.

A city: Barcelona. In Your study Idealista goes down to the detail of some provincial capitals, which allows you to appreciate an interesting reality. The effort to deal with rentals is not equally intense in all cities. Moreover, there are enough cities in which (on average) families are not even forced to cross the red line of 30% of their annual income. It is well seen comparing two extreme cases: Barcelona and Ciudad Real.

In the first, the city, idealist Calculate That the “reasonable rent” for a two -bedroom floor would be 1,036 euros. That is, that is the monthly income that Barcelona families could pay without having to spend more money from their recommended income. However, there are very few houses that fit that stop, only 16%. Royal market rentals are much higher and are on average in 1,796, which explains that the city has the highest effort rate of the capitals: 49%.

In the opposite pole is Ciudad Real, where Idealista’s photo It is radically different. There the “reasonable rental” barrier would be at 881 euros, an amount to which 98% of the homes offered are adjusted. Moreover, the average monthly payment is requested by a two -bedroom house is 501 euros, below that red line. Consequently, the effort rate is only 16%.

One question: Is it an isolated case? No. Neither from Barcelona nor that of Ciudad Real. In fact, the report reveals something else: that although on Middle Spain it registers an effort rate of 36%, several points above the desirable for tenants, in reality that indicator only exceeds 30% in a handful of large capitals characterized by its high population, internationalization and tourist profile.

In Malaga, for example, which has highlighted In recent years for its ability to capture technological multinationals and as Digital nomad destinationthe effort rate is 42%. In tourist points such as Palma, Valencia, Alicante, Las Palmas, Donostia or Tenerife also exceed 30%.

A fact: 39 capitals. Ciudad Real is not the only town in which the effort rate is in the lathe or even below 20%. In the same situation are Teruel, Palencia, Jaén and Melilla. In general, the idealist reflects that there are 39 capitals in which the indicator does not reach 30%. Eight other provincial headwaters move between 30 and 40% and there are five between 40 and 49%.

The data are in line with the evolution of the effort rate nationallywhich has remained between 2020 and 2021 around 30% and has increased in recent years, but without exceeding 40%, such as In Barcelona or Madrid.

A footnote. The idealist study is just that, a study. And as such it must be taken, also taking into account that focusing its analysis on a very concrete profile: its authors have focused on a profile of 2.4 people/home, “a current average size” according to the INE, they specify. The pressure will therefore be greater in the standard case of a couple without children who rent housing.

To calculate the effort rate they also took into account the “annual average net income quota that is destined to the payment of the rental” of a very specific house, two bedrooms. Regarding the income of the families and the weight of the houses were set in the amount of income that each home “to the rental payment” allocates. When performing the same exercise other sources They include fixed expenses associated with housing, such as water and electricity.

Images | Eduardo Rodríguez (UNSPLASH) and Kaspars Upmanis (Unspash)

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