Cost of living in Loja: rent, salaries & real expenses (2026)
The cost of living in Loja is around €1344/month, with rent at €574 (INE 2023) — 11% below the Spanish average. Rent trend: +1.2% per year. Here's the full breakdown.
Avg. rent
574€
/ month · INE
Total cost
1344€
/ month est.
Salary needed
33k€
gross / year
Rent trend
+1.2%
annual change
Estimated monthly budget
Food, transport and utility expenses based on INE/Eurostat national averages. Adjust to your lifestyle.
Rent in Loja
Est. rent
574€
/ month
vs Spain
-11%
media 648€
Ranking
#456
of 753
Trend
+1.2%
annual change
Rent in Loja is 11% cheaper than the national average and 1% more expensive than the Andalucía average (€568/month). The annual trend is +1.2%.
What salary do you need to live in Loja?
Recommended salary
32,500€
gross / year
Rule applied
30%
max rent/net
Avg CCAA salary
26,090€
gross / year · INE
To avoid spending more than 30% of your net salary on rent in Loja (€574/month), you need to earn at least €32,500 gross/year. The average gross salary in Andalucía is €26,090/year according to INE.
Buying in Loja: what does a mortgage cost?
Est. price
115,000€
PER ~200 months
Monthly payment
461€
25yr · 3.5% · 80%
Down pmt + costs
34,500€
20% + 10%
Estimate based on a sale price of €115,000 (typical price-to-rent ratio). 25-year mortgage at 3.5% with 80% financed. Indicative calculation.
Calculate with your price →Quality of life in Loja
Summer max
33.6°C
Jun–Aug · ERA5
Winter min
4.6°C
Dec–Feb · ERA5
Unemployment
12.5%
SEPE 202605
Rent burden
64.2%
of net income
Loja has a warm climate with mild summers (33.6°C max from June to August) and cool winters (4.6°C min from December to February). Unemployment stands at 12.5% (SEPE 202605) and the rent-to-income burden is 64.2%. Climate data: Open-Meteo ERA5 (2015-2024 normals).
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Municipal page with all indicators
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Rent by community
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Rent: INE IPVA index (2023). Expenses: INE/Eurostat national averages. Mortgage: indicative calculation.