HabitatLens — Score de Oportunidad Inversora v1.1 (buy-to-let, macro BdE)

1.277 municipios con datos fiables (SERPAVI 2024 vivienda colectiva con ≥100 testigos y ≥10 compraventas notariado 2ª mano piso libre, snapshot 2026-08-20). Evolución del v0: incorpora el coste real de financiación del Banco de España.

Score 0-100 = 35% yield bruto + 20% cash-flow neto apalancado (nuevo, macro) + 15% liquidez + 15% nivel de alquiler + 15% asequibilidad (percentiles dentro del universo fiable). Calculado: 2026-08-21 18:10 UTC.

Macro BdE: TEDR nuevas hipotecas vivienda 2,8877% (2026-06) · euríbor 12m 2,95% · IPV nacional interanual 12,89% (contexto, no factor)
# Municipio Provincia Score v1 ▾ Δ vs v0 Score v0 Yield bruto % Cash-flow €/m²·año Cuota hip. €/m²·año Precio compra €/m² Alquiler €/m²·mes Compraventas Fiabilidad
1BormujosSevilla85,92+2,7383,198,13+45,3857,351.2648,56213media
2ValdepeñasCiudad Real84,92+4,0980,838,99+29,4630,036624,96429alta
3LangreoAsturias84,83+3,5081,338,32+26,1431,356914,79814alta
4MieresAsturias84,03+3,4580,587,97+25,6833,987494,97742alta
5YelesToledo83,19+3,7279,478,19+44,4755,261.2188,31118media
6TarazonaZaragoza83,10+5,3177,7910,77+33,5424,415384,83174media
7Alcázar de San JuanCiudad Real83,04+4,1878,868,01+28,0236,578065,38329alta
8BéjarSalamanca82,99+4,3278,679,17+25,9825,455614,29352media
9CalatayudZaragoza82,97+3,8979,088,20+25,6231,767004,78410alta
10Dos HermanasSevilla82,96+2,6080,366,60+27,9461,381.3537,441.760alta
11PuertollanoCiudad Real82,84+3,3179,538,31+23,0827,776124,24724media
12OcañaToledo82,37+3,5578,827,15+27,9548,551.0706,37402alta
13BargasToledo82,33+4,2778,067,94+35,6847,591.0496,94142media
14AlgecirasCádiz82,31+2,7579,566,67+26,0155,351.2206,781.187alta
15AlmansaAlbacete82,12+4,2977,838,85+24,7826,045744,23325media
16PonferradaLeón81,41+2,8578,567,21+22,3337,938365,02835alta
17TomellosoCiudad Real81,35+3,9577,408,22+23,6629,136424,40327media
18AranjuezMadrid81,07+2,6578,426,34+27,4669,051.5228,04931alta
19Santa FeGranada80,57+4,6275,957,78+26,1536,528055,22205media
20VícarAlmería80,51+3,3577,167,06+23,9242,969475,57525media
21Huércal de AlmeríaAlmería80,40+5,5374,878,62+33,9237,668305,9798media
22ManzanaresCiudad Real80,07+4,4875,598,31+23,7128,546294,35207media
23TortosaTarragona79,84+3,4376,417,17+22,8139,298665,17403alta
24Casarrubios del MonteToledo79,75+4,4875,277,25+27,6346,281.0206,16179media
25San Juan de AznalfaracheSevilla79,72+3,3676,366,44+27,7466,241.4607,83366alta
26San Martín del Rey AurelioAsturias79,47+3,7775,707,88+21,1828,726334,16324media
27Arrasate/MondragónGipuzkoa79,42+3,1976,236,28+29,7177,351.7058,92376media
28HaroLa Rioja79,40+4,0975,317,30+24,1939,748765,33240media
29Miranda de EbroBurgos79,08+2,8976,196,53+22,9052,041.1476,24585alta
30UtreraSevilla79,02+3,1375,896,94+21,2840,208865,12549media
31AlbuñolGranada78,89+5,5573,348,53+26,1429,726554,65119media
32MagánToledo78,86+5,4473,427,85+29,5640,428915,83110media
33CamasSevilla78,78+3,2275,566,31+26,0066,381.4637,70401alta
34CarcaixentValència/Valencia78,66+3,5575,117,50+20,6231,626974,35284media
35BenaventeZamora78,62+3,5475,087,87+19,7726,955943,89310media
36Sanlúcar la MayorSevilla78,58+5,0673,527,29+29,6848,911.0786,55110media
37LleidaLleida78,42+2,1676,266,16+21,0158,751.2956,651.913alta
38DeltebreTarragona78,38+4,8273,567,46+25,1439,068615,35150media
39VillenaAlacant/Alicante78,31+2,6875,637,46+17,9127,776123,81518alta
40LinaresJaén78,27+2,3575,927,08+17,7331,676984,12978alta
41SaltGirona78,19+2,9475,256,38+22,8556,121.2376,58475alta
42MéridaBadajoz78,15+2,8375,326,74+20,1941,519155,14695alta
43Roda de TerBarcelona78,10+5,9072,208,21+34,7843,019486,4866media
44EldaAlacant/Alicante77,84+2,4675,386,86+18,1035,347794,45854alta
45ZueraZaragoza77,84+6,3371,518,65+29,4832,487165,1678media
46MadridejosToledo77,77+6,6671,1111,53+27,7017,973963,81102media
47BriviescaBurgos77,65+4,5773,088,10+21,7127,686104,12173media
48ReinosaCantabria77,64+4,4973,157,26+23,4439,118625,21171media
49Villanueva del Río SeguraMurcia77,56+6,3171,258,50+35,0540,158856,2755media
50Ejea de los CaballerosZaragoza77,50+5,1072,407,73+24,0734,257554,86126media
51DaimielCiudad Real77,48+3,9173,578,16+19,5424,455393,67230media
52AllerAsturias77,48+3,5773,917,65+19,0327,776123,90261media
53Formentera del SeguraAlacant/Alicante77,47+4,5272,956,79+26,0152,271.1526,52164media
54Las Ventas de RetamosaToledo77,46+5,4472,027,53+26,3139,838785,51107media
55CadreteZaragoza77,28+5,1772,116,99+30,0455,491.2237,1399media
56RipollGirona77,20+4,8472,367,20+24,9242,519375,62141media
57RecasToledo77,15+6,6270,538,65+32,4135,757885,6858media
58TorrijosToledo77,12+4,5072,627,33+22,6736,848124,96155media
59MollerussaLleida77,07+4,5872,497,21+23,2739,568725,24156alta
60Palazuelos de EresmaSegovia76,88+6,9269,969,43+38,7735,987936,2334media
61Venta de BañosPalencia76,86+6,9869,889,89+28,2523,965284,3569media
62AlmazánSoria76,85+6,4770,388,76+26,5928,586304,6076media
63NájeraLa Rioja76,65+5,0171,647,96+22,4329,726554,35124media
64FuensalidaToledo76,57+3,9972,587,24+20,2533,987494,52190media
65CiempozuelosMadrid76,56+3,0573,516,05+24,0371,871.5847,99345alta
66CeutaCeuta76,34+2,5873,765,79+24,7789,701.9779,54600alta
67AlcarràsLleida76,28+5,3770,917,10+26,4346,871.0336,11103media
68CamarenaToledo76,22+4,9271,307,07+24,4443,839665,69135media
69GuardoPalencia76,21+7,6968,5212,32+32,9219,194234,3453media
70La Línea de la ConcepciónCádiz76,05+2,1973,865,93+20,6667,101.4797,31760alta
71Pedro MuñozCiudad Real76,05+7,6668,3911,92+31,0219,064204,1757media
72Les Borges BlanquesLleida76,01+7,3968,629,54+30,4627,636094,8447media
73Medina de PomarBurgos75,97+3,3972,587,14+18,2131,767004,16267media
74ÍscarValladolid75,91+6,7669,159,73+25,8922,644994,0473media
75Las GabiasGranada75,83+3,0772,766,31+20,3451,991.1466,03403alta
76HuelvaHuelva75,75+1,7873,975,89+19,0163,881.4086,911.643alta
77L'Hospitalet de LlobregatBarcelona75,72+2,8772,855,64+30,70126,262.78313,083.271alta
78CigalesValladolid75,70+6,5169,197,90+29,4039,658745,7560media
79Alcoy/AlcoiAlacant/Alicante75,47+1,8473,636,46+16,2238,258434,541.075alta
80ChinchónMadrid75,44+6,7968,658,22+35,7344,019706,6434media
81PozoblancoCórdoba75,41+2,6972,727,33+16,2626,405823,56298media
82Medina del CampoValladolid75,33+3,7471,596,93+19,0636,117964,60226media
83YunclerToledo75,29+5,7469,557,10+26,6147,141.0396,1585media
84MoraToledo75,25+7,5967,6610,21+29,2823,415164,3947media
85VillaquilambreLeón75,18+3,6871,506,53+20,7447,141.0395,66256alta
86Arenas de San PedroÁvila75,16+4,9370,237,51+20,8831,897034,40111media
87CarletValència/Valencia75,09+3,5471,557,00+18,1233,397364,29241media
88Soraluze-Placencia de las ArmasGipuzkoa74,96+5,8369,136,97+32,5760,701.3387,7760media
89BalaguerLleida74,91+3,7071,216,89+18,6435,897914,54214alta
90CaspeZaragoza74,87+5,4169,468,44+20,8424,235343,76101media
91Villarcayo de Merindad de Castilla la ViejaBurgos74,81+3,5971,227,35+17,4928,176213,81191media
92San Andrés del RabanedoLeón74,80+3,3771,436,46+19,6246,281.0205,49291alta
93YuncosToledo74,79+4,8869,916,55+24,9456,261.2406,77112media
94UlldeconaTarragona74,67+5,6569,028,43+21,6225,185553,9089media
95TàrregaLleida74,61+3,7570,866,59+20,0844,379785,37233alta
96ZafraBadajoz74,51+4,5469,977,06+20,5036,938144,79137media
97ValmojadoToledo74,50+6,3368,177,43+27,4043,019485,8762media
98L'ArboçTarragona74,22+5,6768,557,02+25,0245,731.0085,9090media
99AlbaidaValència/Valencia74,19+5,7668,439,11+20,8620,694563,4687media
100Aranda de DueroBurgos74,11+2,6071,516,04+18,5656,081.2366,22395alta