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: 2026-09-06 13:59 UTC.

Macro BdE: TEDR nuevas hipotecas vivienda 2,8926% (2026-07) · 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+45,3557,381.2648,56213media
2ValdepeñasCiudad Real84,92+4,0980,838,99+29,4430,056624,96429alta
3LangreoAsturias84,84+3,5181,338,32+26,1331,376914,79814alta
4MieresAsturias84,03+3,4580,587,97+25,6634,007494,97742alta
5YelesToledo83,19+3,7279,478,19+44,4455,291.2188,31118media
6TarazonaZaragoza83,10+5,3177,7910,77+33,5324,425384,83174media
7Alcázar de San JuanCiudad Real83,04+4,1878,868,01+28,0036,598065,38329alta
8BéjarSalamanca83,01+4,3478,679,17+25,9625,475614,29352media
9CalatayudZaragoza82,97+3,8979,088,20+25,6031,787004,78410alta
10Dos HermanasSevilla82,96+2,6080,366,60+27,9161,421.3537,441.760alta
11PuertollanoCiudad Real82,84+3,3179,538,31+23,0627,786124,24724media
12OcañaToledo82,37+3,5578,827,15+27,9248,571.0706,37402alta
13BargasToledo82,33+4,2778,067,94+35,6547,621.0496,94142media
14AlgecirasCádiz82,31+2,7579,566,67+25,9855,381.2206,781.187alta
15AlmansaAlbacete82,12+4,2977,838,85+24,7626,065744,23325media
16PonferradaLeón81,41+2,8578,567,21+22,3137,958365,02835alta
17TomellosoCiudad Real81,36+3,9677,408,22+23,6529,146424,40327media
18AranjuezMadrid81,07+2,6578,426,34+27,4269,091.5228,04931alta
19Santa FeGranada80,55+4,6075,957,78+26,1336,548055,22205media
20VícarAlmería80,51+3,3577,167,06+23,9042,999475,57525media
21Huércal de AlmeríaAlmería80,40+5,5374,878,62+33,9037,688305,9798media
22ManzanaresCiudad Real80,07+4,4875,598,31+23,6928,556294,35207media
23TortosaTarragona79,84+3,4376,417,17+22,7839,318665,17403alta
24Casarrubios del MonteToledo79,75+4,4875,277,25+27,6146,301.0206,16179media
25San Juan de AznalfaracheSevilla79,72+3,3676,366,44+27,7066,281.4607,83366alta
26San Martín del Rey AurelioAsturias79,47+3,7775,707,88+21,1628,736334,16324media
27Arrasate/MondragónGipuzkoa79,42+3,1976,236,28+29,6777,401.7058,92376media
28HaroLa Rioja79,40+4,0975,317,30+24,1739,778765,33240media
29Miranda de EbroBurgos79,08+2,8976,196,53+22,8752,071.1476,24585alta
30UtreraSevilla79,02+3,1375,896,94+21,2640,228865,12549media
31AlbuñolGranada78,89+5,5573,348,53+26,1229,736554,65119media
32MagánToledo78,86+5,4473,427,85+29,5340,458915,83110media
33CamasSevilla78,77+3,2175,566,31+25,9666,411.4637,70401alta
34CarcaixentValència/Valencia78,68+3,5775,117,50+20,6031,646974,35284media
35BenaventeZamora78,62+3,5475,087,87+19,7626,965943,89310media
36Sanlúcar la MayorSevilla78,58+5,0673,527,29+29,6548,931.0786,55110media
37LleidaLleida78,42+2,1676,266,16+20,9858,791.2956,651.913alta
38DeltebreTarragona78,38+4,8273,567,46+25,1239,088615,35150media
39VillenaAlacant/Alicante78,31+2,6875,637,46+17,8927,786123,81518alta
40LinaresJaén78,25+2,3375,927,08+17,7131,696984,12978alta
41SaltGirona78,19+2,9475,256,38+22,8256,151.2376,58475alta
42MéridaBadajoz78,15+2,8375,326,74+20,1741,549155,14695alta
43Roda de TerBarcelona78,10+5,9072,208,21+34,7543,039486,4866media
44EldaAlacant/Alicante77,84+2,4675,386,86+18,0835,367794,45854alta
45ZueraZaragoza77,84+6,3371,518,65+29,4632,507165,1678media
46MadridejosToledo77,77+6,6671,1111,53+27,6917,983963,81102media
47BriviescaBurgos77,66+4,5873,088,10+21,6927,696104,12173media
48ReinosaCantabria77,64+4,4973,157,26+23,4239,138625,21171media
49Villanueva del Río SeguraMurcia77,56+6,3171,258,50+35,0340,178856,2755media
50Ejea de los CaballerosZaragoza77,50+5,1072,407,73+24,0534,277554,86126media
51DaimielCiudad Real77,48+3,9173,578,16+19,5224,475393,67230media
52AllerAsturias77,48+3,5773,917,65+19,0227,786123,90261media
53Formentera del SeguraAlacant/Alicante77,47+4,5272,956,79+25,9852,291.1526,52164media
54Las Ventas de RetamosaToledo77,46+5,4472,027,53+26,2939,868785,51107media
55CadreteZaragoza77,28+5,1772,116,99+30,0155,521.2237,1399media
56RipollGirona77,20+4,8472,367,20+24,8942,539375,62141media
57RecasToledo77,15+6,6270,538,65+32,3935,777885,6858media
58TorrijosToledo77,12+4,5072,627,33+22,6536,868124,96155media
59MollerussaLleida77,07+4,5872,497,21+23,2539,588725,24156alta
60Palazuelos de EresmaSegovia76,88+6,9269,969,43+38,7536,007936,2334media
61Venta de BañosPalencia76,86+6,9869,889,89+28,2323,975284,3569media
62AlmazánSoria76,85+6,4770,388,76+26,5728,606304,6076media
63NájeraLa Rioja76,65+5,0171,647,96+22,4229,736554,35124media
64FuensalidaToledo76,57+3,9972,587,24+20,2334,007494,52190media
65CiempozuelosMadrid76,56+3,0573,516,05+23,9971,901.5847,99345alta
66CeutaCeuta76,32+2,5673,765,79+24,7289,741.9779,54600alta
67AlcarràsLleida76,28+5,3770,917,10+26,4146,891.0336,11103media
68CamarenaToledo76,22+4,9271,307,07+24,4243,859665,69135media
69GuardoPalencia76,21+7,6968,5212,32+32,9119,204234,3453media
70La Línea de la ConcepciónCádiz76,05+2,1973,865,93+20,6367,141.4797,31760alta
71Pedro MuñozCiudad Real76,05+7,6668,3911,92+31,0119,074204,1757media
72Les Borges BlanquesLleida76,01+7,3968,629,54+30,4527,656094,8447media
73Medina de PomarBurgos75,98+3,4072,587,14+18,1931,787004,16267media
74ÍscarValladolid75,91+6,7669,159,73+25,8822,654994,0473media
75Las GabiasGranada75,83+3,0772,766,31+20,3152,021.1466,03403alta
76HuelvaHuelva75,75+1,7873,975,89+18,9763,921.4086,911.643alta
77L'Hospitalet de LlobregatBarcelona75,72+2,8772,855,64+30,63126,332.78313,083.271alta
78CigalesValladolid75,70+6,5169,197,90+29,3839,678745,7560media
79Alcoy/AlcoiAlacant/Alicante75,47+1,8473,636,46+16,2038,278434,541.075alta
80ChinchónMadrid75,44+6,7968,658,22+35,7044,039706,6434media
81PozoblancoCórdoba75,41+2,6972,727,33+16,2526,425823,56298media
82Medina del CampoValladolid75,33+3,7471,596,93+19,0436,137964,60226media
83YunclerToledo75,29+5,7469,557,10+26,5847,161.0396,1585media
84MoraToledo75,25+7,5967,6610,21+29,2623,425164,3947media
85VillaquilambreLeón75,18+3,6871,506,53+20,7247,161.0395,66256alta
86Arenas de San PedroÁvila75,16+4,9370,237,51+20,8631,917034,40111media
87CarletValència/Valencia75,09+3,5471,557,00+18,1033,417364,29241media
88Soraluze-Placencia de las ArmasGipuzkoa74,96+5,8369,136,97+32,5460,741.3387,7760media
89BalaguerLleida74,91+3,7071,216,89+18,6235,917914,54214alta
90CaspeZaragoza74,87+5,4169,468,44+20,8224,245343,76101media
91Villarcayo de Merindad de Castilla la ViejaBurgos74,81+3,5971,227,35+17,4828,196213,81191media
92San Andrés del RabanedoLeón74,80+3,3771,436,46+19,5946,301.0205,49291alta
93YuncosToledo74,79+4,8869,916,55+24,9156,291.2406,77112media
94UlldeconaTarragona74,67+5,6569,028,43+21,6125,195553,9089media
95TàrregaLleida74,61+3,7570,866,59+20,0544,409785,37233alta
96ZafraBadajoz74,51+4,5469,977,06+20,4836,958144,79137media
97ValmojadoToledo74,50+6,3368,177,43+27,3843,039485,8762media
98L'ArboçTarragona74,22+5,6768,557,02+25,0045,761.0085,9090media
99AlbaidaValència/Valencia74,19+5,7668,439,11+20,8420,704563,4687media
100Aranda de DueroBurgos74,11+2,6071,516,04+18,5356,111.2366,22395alta