View of Espaly-Saint-Marcel, 43 — real-estate investment analysis Wikimedia Commons CC BY-SA

Espaly-Saint-Marcel

Small town · 43000 · Auvergne-Rhône-Alpes

👥 Population
3 585
2023 · INSEE
🏠 Median price /m²
4 011 €
📈 231% since 2015
💰 Gross yield
2.8 %
rent / purchase price
⚡ Avg. energy rating
D
🔴 19.6 % energy sieves (F-G) (F-G)
🎯 Investment score Low

Espaly-Saint-Marcel — Score 33/100.

Why this score? This score is penalized mainly by a weak rental yield (5/100) and a high purchase price for the area (9/100).
33
💰 Yield5
🌳 Quality of life28
📊 Dynamism56
💸 Affordability9
🛡️ Safety51
⚡ Energy rating65
🧮 Simulate your rental yield

🏠 Property prices

DVF · 30 Transactions · Espaly-Saint-Marcel

🏢 Apt. /m²
4 011 €
🏡 House /m²
1 845 €
📋 Transactions
30
📈 Price per m² evolution (2020 — 2024)
📊 Annual transaction volume
📊 Nearby municipalities
CityApt.HouseTrans.Pop.
Le Puy-en-Velay1 690 €1 901 €47418 540
Monistrol-sur-Loire2 216 €2 162 €968 823
Yssingeaux4 412 €1 805 €1047 415
Brioude1 603 €1 399 €986 527
Aurec-sur-Loire2 235 €2 174 €776 164
Sainte-Sigolène1 286 €1 764 €726 097

💰 Rental yield

Calculated from DVF prices and observed rents

🏠 Average rent
9.41 €/m²
monthly
💰 Gross yield
2.8 %
⏳ Payback period
35.5 years

🏘️ Rental market & tension

INSEE Housing Stock 2021 · Pinel ABC zoning · Tense areas

🏠 Main residences
84.5 %
🏖️ Secondary homes
2.5 %
🚪 Vacant homes
12.9 %
🏢 Apartments
38.8 %
60.5 % houses
🎯 Pinel zoneOfficial Pinel zoning. A Bis = very high tension (Paris, French Riviera), A = high tension (metropolises), B1 = moderate, B2 = low, C = relaxed market.
C
Relaxed market
⚖️ Tense area (ALUR law)Tense area under article 232 of the French Tax Code (CGI) / ALUR law. Enables rent control and applies the vacant housing tax.
No
Free rents
🏢 Social housing units
278
RPLS source

💶 Local taxation

REI · DGFIP · Exercice 2024

🏠 Property tax (built)Municipal property tax rate on built properties (TFB). Applied to the cadastral rental value to calculate the owner's annual property tax.
45.080 %
Global rate 2024
🌾 Property tax (unbuilt)Municipal property tax rate on unbuilt properties (TFNB): land, fields, forests.
157.270 %
🏘️ Housing tax
23.430 %
Secondary homes
🗑️ Waste collection taxTEOM — Household Waste Collection Tax. Applied by the municipality or intermunicipality to finance waste collection and treatment.
10.690 %
🌾 Land tax (unbuilt) REI
88.77 %
🏢 CFE
0.64 %

👥 Demographics

API Geo + INSEE

🧑‍🤝‍🧑 Inhabitants
3 585
2023
📐 Area
6.28 km²
571 inh/km²
💶 Median income
22 610 €
📊 Median age
45.2 yrs
32.6% under 30
💼 Activity rate
74.2 %
ages 15-64
📉 Unemployment rate
10.8 %
2021 census
🎯 Poverty rateShare of population living below the poverty line (60% of national median income). Source FILOSOFI 2021, calculated only for municipalities ≥ 2,000 inhabitants.
13.0 %
60% FILOSOFI threshold

🏢 Local economy & dynamism

SIRENE · INSEE

🏢 Active businesses
627
SIRENE database 2026
✨ 2024 creations
64
+12.3% vs 2023
📊 2023 creations
57
💼 Economic density
175
Businesses / 1,000 pop.

🚉 Transport & accessibility

SNCF Open Data · INSEE Urban Areas 2020

🚆 Nearest train station
Le Puy-en-Velay
À 2.91 km · Segment B
🏙️ Urban attraction areaUrban Attraction Areas (INSEE 2020): municipal classification based on commuting relationships with urban hubs. Main hub / secondary / suburban crown / outside.
Le Puy-en-Velay
Suburban crown
🏛️ IntercommunalityEPCI — Public Establishment for Intermunicipal Cooperation. Community of communes, agglomeration, urban or metropolitan community grouping the municipality with its neighbors.
CA du Puy-en-Velay
EPCI
📍 Rail access
Good
Station distance

🏥 Healthcare

BPE · FINESS

💊 Pharmacies
1
🏥 Établissements de santé
3
Source FINESS
👵 EHPAD
1
💊 Pharmacies
1

🏪 Amenities & services

BPE · INSEE

📋 Services_publics
50
📋 Commerce
4
📋 Enseignement
5
🏥 Sante
19
🚆 Transport
1
⚽ Sport
13
🎭 Culture
1

🏛️ Public services

Public Service Directory API · 1 services

CategoryQtyExamples
📋 service public1Mairie - Espaly-Saint-Marcel

🛡️ Safety

SSMSI · SSMSI · Ministry of the Interior

IndicatorIncidentsRate ‰Nat. averageGap
Violences physiques intrafamiliales246.70 ‰4.2 ‰+60 % vs moy.
Escroqueries et fraudes aux moyens de paiement215.90 ‰6.3 ‰Dans la moyenne
Usage de stupéfiants174.70 ‰8.4 ‰-44 % vs moy.
Destructions et dégradations volontaires164.50 ‰7.2 ‰-38 % vs moy.
Vols sans violence contre des personnes92.50 ‰7.3 ‰-66 % vs moy.

⚡ Energy performance

102 DPE · ADEME

📊 Energy rating distribution
A
0.0 %
B
18.6 %
18.6 %
C
13.7 %
13.7 %
D
24.5 %
24.5 %
E
23.5 %
23.5 %
F
10.8 %
10.8 %
G
8.8 %
8.8 %

19.6 % energy sieves (F-G) (F+G) — Nat. average : 17 %

💶 Energy rating impact on price per m²

🏛️ Historical heritage

Mérimée database · 5 protected monuments

BuildingEra
distillerie;demeure19e siècle
immeuble1ère moitié 19e siècle
pont12e siècle;13e siècle
église11e siècle;16e siècle
kiosque1er quart 20e siècle

⚠️ Natural and technological risks

Géorisques API · 12 risks identified

Transport de marchandises dangereuses
Glissement de terrain
Tassements différentiels
Tempête et grains (vent)
Affaissements et effondrements d'origine anthropique (anciennes carrières souterraines, hors mines)
Mouvement de terrain
Par une crue torrentielle ou à montée rapide de cours d'eau
Phénomène lié à l'atmosphère
Radon
Inondation
Séisme
Par ruissellement et coulée de boue

📡 Digital coverage

ARCEP

📶 Ultra-fast broadband
100.0 %

💧 Drinking water quality

API Hub'Eau · 4 707 analyses · DIRECTION EAU ET ASSAINISSEMENT (CAPEV)

⚗️ Physicochemistry
✅ Compliant
📋 analyses
4 707

⚡ EV charging stations

IRVE

🔌 Stations
2
⚡ Charge points
4
🚀 Incl. fast charging
0

🎯 Municipalities with a similar score

Same region, score close to

📍 Nearby municipalities

Nearest geographically

CityDistanceScorePop.
Vals-près-le-Puy 2.5 km 47/100 3 395
Aiguilhe 2.5 km 35/100 1 498
Polignac 3.8 km 50/100 2 819
Le Puy-en-Velay 3.7 km 57/100 18 540
Chadrac 4.0 km 55/100 2 542
Le Monteil 5.0 km 35/100 691
Sanssac-l'Église 4.8 km 46/100 1 080
Saint-Christophe-sur-Dolaizon 6.4 km 54/100 931

❓ Frequently asked questions about Espaly-Saint-Marcel

What is the price per m² in Espaly-Saint-Marcel?

The median price per m² in Espaly-Saint-Marcel is 4 011 €.

What is the rental yield in Espaly-Saint-Marcel?

The gross rental yield in Espaly-Saint-Marcel is 2.8%.

Is Espaly-Saint-Marcel a good real estate investment?

Espaly-Saint-Marcel has a ScorCity score of 33/100, making it a risky investment.

What is the average energy rating in Espaly-Saint-Marcel?

The most common energy rating class in Espaly-Saint-Marcel is D.

What are the natural risks in Espaly-Saint-Marcel?

12 risks are identified in Espaly-Saint-Marcel: Transport de marchandises dangereuses, Glissement de terrain, Tassements différentiels.