Girona remains within the range considered "affordable" for housing purchases with a mortgage, according to the latest study by the Cátedra Grupo Tecnocasa and the Universitat Pompeu Fabra. The report places the city's Mortgage Access Ratio (RAH) at 74%, which indicates that an average household can afford the purchase without exceeding the usual debt threshold.
The access in Girona improves compared to previous years
The study starts from the hypothesis of financing 80% of the housing price over 25 years, with the condition that the monthly payment does not exceed 30% of family income. In Girona, this indicator has improved significantly compared to 2007, when the RAH reached 147% and the city was in the category of "limited accessibility".
Currently, Girona is situated below the critical threshold of 100%, which differentiates it from other large cities of the State.
State situation and pressure on prices
At the state level, housing accessibility is lower. The average RAH stands at 85%, within the area considered "less accessible". The report points out five cities in a "critical" state, with ratios above 100% San Sebastián (144%), Palma (138%), Madrid (133%), Barcelona (124%) and Málaga (113%). Bilbao is practically at the limit, with 99.7%.
The study highlights that 2025 has been one of the most difficult years of the last decade to access a mortgage in many towns. The price of used housing has risen 15.34% year-on-year in the second half, placing the square meter at 3,338 euros. Barcelona and Madrid lead the highest values, while Getafe registers the strongest rise of the period and Talavera de la Reina the lowest price, with 1,073 euros per square meter.
Average mortgage and demand in Girona and its surroundings
The average mortgage in Spain has grown by 16.8% to 154,530 euros. In the Girona regions, INE data place last year's average mortgage at around 174,000 euros.
The report attributes the pressure on prices to the imbalance between supply and demand. In 2025, demand has grown by 30% and 72% in the last two years, while supply has fallen by 16%. On average, each home available on the market has seven potential buyers.