EU

Rental Yield Calculator

Gross and net yield for a non-resident foreign owner. Country-specific effective tax rates baked in — including the harsh Spanish non-EU regime that taxes gross rental with no deductions.

Inputs

Spain tax regime: 24% on gross rental — no deductions for non-EU (UK) owners. EU owners get 19% on net.

Result

Gross annual rent€16,800
Gross yield4.20%
Annual costs-€2,400
Effective tax-€4,032
Net annual income€10,368
Net yield2.59%

Gross yield = annual rent ÷ purchase price. Useful for cross-property comparison, not for predicting take-home income.

Net yield = (annual rent − costs − tax) ÷ purchase price. This is the number you actually live on.

Tax notes: Spanish non-EU owners pay 24% on gross — no deductions for repairs, mortgage interest, or agent fees. This is the harshest regime in our four countries. Brexit moved UK owners into the non-EU bucket. EU owners (Irish, Dutch, German, French) get the 19% net rate instead.

What this doesn’t cover: mortgage interest, vacancy, currency hedging, future rent caps (Catalonia), depreciation, capital gains on eventual sale. Treat the net yield as an upper-bound estimate.

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