House prices in San Fernando

At the average appraised value, a 90 m² home costs €176,625. With 10% down and a 30-year mortgage, the payment is €674 a month. Spain sets no cap on the payment; lenders must assess each borrower's solvency.

Owning and renting a 90 m² home cost about the same each month. 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 Cádiz province: San Fernando has no reliable figures of its own.

66.1% more homes were licensed for construction in the last 12 months than in an average year of the past decade.

Figures for Cádiz province: San Fernando has no reliable figures of its own.

Buyers living abroad bought 3.6% of the homes sold here in the four quarters to Q2 2026.

Appraised values have fallen by 3% or more 3 times since 2005. The deepest began in Q2 2008.

4.9% of the 39,564 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.