San Javier Villa Case Study
Investment Case Study: 3-Bed Villa in San Javier for €385,000
What does a €385,000 new-build villa on the Costa Cálida look like as an investment? Private pool, 2.5 km from the beach, and rental income that helps cover the mortgage. Full breakdown inside.
A detached villa with your own pool, 2.5 km from the Mar Menor, in one of Murcia's fastest-growing coastal towns. This is what €385,000 buys you on the Costa Cálida — and why investors are paying attention.
This 3-bedroom detached villa in San Javier (Murcia) comes with something the Dolores townhouse doesn't: your own private pool and garden on a 153 m² plot. It's a different kind of investment — higher entry point, but higher rental appeal and stronger per-night rates. Families and groups actively seek private-pool villas, and that demand drives both occupancy and pricing power.
At 2.5 km from the beach and minutes from the Mar Menor, the location hits the sweet spot between coastal premium and inland value. If you're weighing villa versus apartment or townhouse, see our guide to choosing the right property type.
Location & Area
San Javier sits on the western shore of the Mar Menor — Europe's largest saltwater lagoon — in the Murcia region. The town has grown rapidly as an alternative to the busier, pricier Costa Blanca. You get the same year-round sunshine, but with lower property prices, a more authentic Spanish feel, and direct access to both the Mar Menor's calm waters and the Mediterranean beaches on La Manga. The area attracts a mix of families, water-sports enthusiasts and long-term visitors, which means broader rental demand across more months of the year.
For how location shapes value and rental income, see our choosing property guide and choosing the right region.
Beach & Mar Menor
The beaches of Santiago de la Ribera and the Mar Menor are just 2.5 km away — a five-minute drive or a short bike ride. The Mar Menor is famous for calm, warm waters ideal for families and water sports. Mediterranean beaches on La Manga are about 15 km away.
Murcia–Corvera Airport
Corvera airport is around 30 km from San Javier, about 30 minutes by car. Flights connect to the UK, Scandinavia, and major European cities. Alicante–Elche is roughly 75 km if you need a wider choice of routes.
Golf
Roda Golf is about 5 km away, with Mar Menor Golf Resort and several other courses within a 15 km radius. The area is well-established as a golf destination, supporting year-round rental demand from players.
Shopping & Services
Dos Mares shopping centre is about 5 km away, with supermarkets, banks and daily services all available in San Javier town centre. The weekly market is a local highlight and adds to the area's character.
What Does It Cost?
This is a new build in the Murcia region, so you pay IVA (10%) plus AJD (1.5%) instead of transfer tax — and you get a 10-year structural warranty. For a full rundown of the new-build buying process, see our new build guide.
| Item | Amount |
|---|---|
| Property price | €385,000 |
| IVA + AJD (11.5% new build) | €44,275 |
| Notary, registry & legal fees | €6,347 |
| Total purchase cost | €435,622 |
Use our purchase costs calculator — it opens with €385,000 so you can compare with the table above. For more on what you pay at purchase, read our guide to buying costs and taxes and the Spanish buying process.
| Financing | Amount |
|---|---|
| Loan (70% LTV) | €269,500 |
| Deposit (30%) | €115,500 |
| Taxes & fees (~12%) | €46,200 |
| Total equity needed | €161,700 |
| Interest rate (example) | 3.5% over 25 years |
| Monthly payment | €1,349 |
At €1,349 per month, the mortgage is higher than the Dolores townhouse — but so is the rental income. A private-pool villa commands premium nightly rates, and the higher absolute rent means the gap between mortgage and income can still be narrow. If you rent even 6–8 months of the year, a large share of that payment is covered.
Check the numbers with our mortgage calculator — it opens with €385,000; use 70% LTV and 25 years to match the table. For ongoing outgoings, use the annual costs calculator (also pre-filled with €385,000). For financing options, see our buying and finance guide.
Rental Income Potential
Private-pool villas near the coast are the most in-demand rental category in southern Spain. A 3-bed villa in the San Javier area can realistically generate €1,300–1,600 per month in blended rental income — higher in peak season, lower in winter. With a mortgage payment of €1,349, you're looking at a property that can be cash-flow neutral to positive during active rental months.
The Mar Menor's appeal as a family and water-sports destination also extends the season beyond the typical July–September peak. Shoulder months (May–June, September–October) see strong demand, which makes a meaningful difference to annual yield.
| Property | Price | Size | Est. monthly rent | Gross yield |
|---|---|---|---|---|
| This villa (ref. N8114) | €385,000 | 110 m² | €1,300–1,600 | 4.1–5.0% |
| Similar 3-bed villa, Santiago de la Ribera | €400,000 | 107 m² | €1,300–1,600 | 3.9–4.8% |
| Larger 3-bed villa, same development | €475,000 | 127 m² | €1,500–1,800 | 3.8–4.5% |
| Single-floor villa, San Javier | €549,900 | 110 m² | €1,600–1,900 | 3.5–4.1% |
Net yield depends on management, taxes, maintenance and vacancy. Our guide to rental income covers the fundamentals; for a deeper look, see our article on Costa Blanca rental investments. Run your own figures in our rental income calculator — it opens with €1,450/month as a midpoint estimate for this area.
"A private-pool villa that covers its own mortgage while you're not there — and appreciates while it does. That's not wishful thinking, it's the reality for well-located properties on the Costa Cálida."
Why This Property Works as an Investment
Private pool = premium rental rates
A private pool is the single most sought-after feature for holiday renters. It commands higher nightly rates, higher occupancy, and attracts families and groups willing to pay more per booking.
Costa Cálida: lower entry, rising demand
The Murcia coast offers lower property prices than the Costa Blanca for comparable spec. As more buyers discover the area, prices are rising — but there's still value to capture before the market catches up.
Extended rental season
The Mar Menor and its surroundings attract visitors beyond the summer peak — water sports, golf, and mild winters keep demand alive from May through October, boosting annual yield compared to purely seasonal locations.
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