At Walter Haus we know that finding a home is one of the most important decisions in anyone’s life. For this reason, we have carried out an in-depth analysis of how rents and mortgages currently stand in Spain in 2025. The latest information reveals a very clear reality: paying a mortgage is usually cheaper than paying a rent. According to our data, the average rent in the country is 1,153 Euros per month, while the average mortgage payment is 722 Euros. This leaves a gap of more than 430 Euros per month in favor of the mortgage. This phenomenon responds to both the fall in interest rates and the increase in rental prices in the last year. That is why at Walter Haus we consider it important to highlight that the payment of a fixed mortgage provides stability in the payment of housing, in the face of the uncertainty of new increases in rent, which are subject to both the shortage of housing and high demand in certain municipalities.
Why access to a mortgage continues to be difficult
Even so, at Walter Haus we know that taking out a mortgage is not as easy as finding a house to rent. The main reason is that the buyer has to have enough savings to make a down payment – generally around 30% of the price of the home – in addition to having to cover a series of expenses such as management, the notary or registration. This leaves out many buyers who could be comfortable with the mortgage payment but who lack the liquidity to take that step. This is the main reason why rent continues to increase in several autonomous communities, since many are in the paradoxical situation of being able to take out a mortgage but not having the necessary funds to make the down payment. That is why at Walter Haus we consider it important that the market implements more efficient financial solutions, which allow more families access to property without sacrificing stability and security in the payment of their monthly payments.
The fall in interest rates: more facilities but more inequality
This year we have experienced a drop in interest rates on mortgages, which are around 2.74%. This has helped reduce the monthly payments of many buyers, but also highlights inequalities in access. By region, the north of Spain shows very significant decreases in mortgage payments, reaching reductions of more than 25%. On the contrary, in more stressed areas such as the Balearic Islands or Madrid, the price of housing continues to increase and the mortgage payment also rises, in many cases above 1,000 Euros per month. At Walter Haus we know that this shows how complex the housing market is in Spain. That is why we always help our buyers find financing solutions that meet their needs, considering both the price of the house and the economic environment of each autonomous community.
The fall of certain rents: Catalonia as an example
In the rental market we can also find some autonomous communities in which the average price has decreased slightly in the last year. For example, in Catalonia the rent went from 1,459 Euros in 2024 to 1,408 Euros in 2025, partly due to rent containment regulations. This shows that price limitation policies are having a certain impact, but they are also generating a drop in the supply of new rental properties, thus increasing the shortage of housing available on the market. At Walter Haus we know that finding the right balance in the housing market is complex. That is why we work with both buyers and renters to find efficient solutions in each situation, helping them find the home they are looking for in the place that best suits their needs.
Why mortgage can be more profitable in 2025
In the end, both the payment of a mortgage and rent are closely related to the economic effort of each family. According to our data, the effort allocated to paying the mortgage is, on average, lower than that allocated to rent, reaching 23.42% of income in the former compared to 37.40% in the latter. This means that buying can be more sustainable in the long term, as long as the buyer can take the step of entry. At Walter Haus we help both buyers and renters find solutions that match their dreams. We accompany you throughout the entire procedure, helping you with the property search, obtaining financing and the legal procedure, so that you can find the place you are looking for, without leaving behind the stability of your finances. Because we know that having a house is more than having four walls: it is shaping the future.