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Saint-Ay
Small town · 45130 · Centre-Val de Loire
👥 Population
3 766
2023 · INSEE
🏠 Median price /m²
4 077 €
📈 126% since 2015
💰 Gross yield
3.3 %
rent / purchase price
⚡ Avg. energy rating
B
✅ 6.5 % energy sieves (F-G) (F-G)
🎯 Investment score Low
Saint-Ay — Score 38/100.
Why this score? This score is penalized mainly by a weak rental yield (7/100) and a high purchase price for the area (8/100).
38
💰 Yield7
🌳 Quality of life42
📊 Dynamism54
💸 Affordability8
🛡️ Safety45
⚡ Energy rating92
🏠 Property prices
DVF · 6 Transactions · Saint-Ay
🏢 Apt. /m²
4 077 €
🏡 House /m²
2 154 €
📋 Transactions
6
📈 Price per m² evolution (2020 — 2024)
📊 Annual transaction volume
📊 Nearby municipalities
| City | Apt. | House | Trans. | Pop. |
|---|---|---|---|---|
| Orléans | 2 672 € | 2 624 € | 1743 | 116 357 |
| Olivet | 2 710 € | 2 752 € | 326 | 23 507 |
| Saint-Jean-de-Braye | 2 058 € | 2 285 € | 286 | 23 147 |
| Fleury-les-Aubrais | 1 713 € | 2 414 € | 277 | 21 804 |
| Saran | 4 148 € | 2 318 € | 138 | 17 316 |
| Saint-Jean-de-la-Ruelle | 1 717 € | 2 000 € | 160 | 16 768 |
💰 Rental yield
Calculated from DVF prices and observed rents
🏠 Average rent
11.13 €/m²
monthly
💰 Gross yield
3.3 %
⏳ Payback period
30.5 years
🏘️ Rental market & tension
INSEE Housing Stock 2021 · Pinel ABC zoning · Tense areas
🏠 Main residences
93.5 %
🏖️ Secondary homes
1.9 %
🚪 Vacant homes
4.7 %
🏢 Apartments
4.0 %
95.8 % houses
🎯 Pinel zoneⓘOfficial 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
55
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.
41.710 %
Global rate 2024
🌾 Property tax (unbuilt)ⓘMunicipal property tax rate on unbuilt properties (TFNB): land, fields, forests.
80.920 %
🏘️ Housing tax
19.790 %
Secondary homes
🗑️ Waste collection taxⓘTEOM — Household Waste Collection Tax. Applied by the municipality or intermunicipality to finance waste collection and treatment.
12.000 %
🏢 CFE
20.62 %
👥 Demographics
API Geo + INSEE
🧑🤝🧑 Inhabitants
3 766
2023
📐 Area
10.31 km²
365 inh/km²
💶 Median income
25 240 €
📊 Median age
41.6 yrs
34.5% under 30
💼 Activity rate
81.3 %
ages 15-64
📉 Unemployment rate
6.1 %
2021 census
🎯 Poverty rateⓘShare of population living below the poverty line (60% of national median income). Source FILOSOFI 2021, calculated only for municipalities ≥ 2,000 inhabitants.
6.0 %
60% FILOSOFI threshold
🏢 Local economy & dynamism
SIRENE · INSEE
🏢 Active businesses
574
SIRENE database 2026
✨ 2024 creations
49
-9.3% vs 2023
📊 2023 creations
54
💼 Economic density
152
Businesses / 1,000 pop.
🚉 Transport & accessibility
SNCF Open Data · INSEE Urban Areas 2020
🚆 Nearest train station
Saint-Ay
À 0.35 km · Segment C
🏙️ Urban attraction areaⓘUrban Attraction Areas (INSEE 2020): municipal classification based on commuting relationships with urban hubs. Main hub / secondary / suburban crown / outside.
Orléans
Suburban crown
🏛️ IntercommunalityⓘEPCI — Public Establishment for Intermunicipal Cooperation. Community of communes, agglomeration, urban or metropolitan community grouping the municipality with its neighbors.
CC des Terres du Val de Loire
EPCI
📍 Rail access
Excellent
Station distance
📊 Niveau social des établissements
Indicateur Éducation nationale du milieu social des élèves (moyenne nationale ≈ 103). Plus élevé = plus favorisé.
🏫 Middle school IPS
| Middle school | Sector | IPS |
|---|---|---|
| COLLEGE NELSON MANDELA | public | 115.8 |
🏥 Healthcare
BPE · FINESS
💊 Pharmacies
1
🏥 Établissements de santé
3
Source FINESS
💊 Pharmacies
1
🏪 Amenities & services
BPE · INSEE
📋 Services_publics
68
📋 Commerce
9
📋 Enseignement
3
🏥 Sante
21
🚆 Transport
2
⚽ Sport
12
🛡️ Safety
SSMSI · SSMSI · Ministry of the Interior
| Indicator | Incidents | Rate ‰ | Nat. average | Gap |
|---|---|---|---|---|
| Violences physiques intrafamiliales | 22 | 5.80 ‰ | 4.2 ‰ | +38 % vs moy. |
| Destructions et dégradations volontaires | 21 | 5.60 ‰ | 7.2 ‰ | -22 % vs moy. |
| Vols sans violence contre des personnes | 19 | 5.00 ‰ | 7.3 ‰ | -32 % vs moy. |
| Escroqueries et fraudes aux moyens de paiement | 17 | 4.50 ‰ | 6.3 ‰ | -29 % vs moy. |
| Violences physiques hors cadre familial | 12 | 3.20 ‰ | 4.0 ‰ | -20 % vs moy. |
| Cambriolages de logement | 11 | 6.80 ‰ | 7.5 ‰ | Dans la moyenne |
⚡ Energy performance
31 DPE · ADEME
📊 Energy rating distribution
A
6.5 %
B
61.3 %
61.3 %
C
6.5 %
D
6.5 %
E
12.9 %
12.9 %
F
0.0 %
G
6.5 %
6.5 % energy sieves (F-G) (F+G) — Nat. average : 17 %
💶 Energy rating impact on price per m²
🏛️ Historical heritage
Mérimée database · 1 protected monuments
| Building | Era |
|---|---|
| église | 4e quart 12e siècle |
⚠️ Natural and technological risks
Géorisques API · 7 risks identified
Nucléaire
Transport de marchandises dangereuses
Mouvement de terrain
Affaissements et effondrements d'origine anthropique (anciennes carrières souterraines, hors mines)
Par une crue à débordement lent de cours d'eau
Tassements différentiels
Inondation
📡 Digital coverage
ARCEP
📶 Ultra-fast broadband
100.0 %
💧 Drinking water quality
API Hub'Eau · 10 047 analyses · VEOLIA EAU
⚗️ Physicochemistry
✅ Compliant
📋 analyses
10 047
🎯 Municipalities with a similar score
Same region, score close to
Sandillon
45640
38/100
4 300 Inhabitants
Courtenay
45320
38/100
3 772 Inhabitants
Vouvray
37210
38/100
3 420 Inhabitants
Lailly-en-Val
45740
38/100
3 101 Inhabitants
Boigny-sur-Bionne
45760
38/100
2 194 Inhabitants
Cherisy
28500
38/100
1 842 Inhabitants
Thilouze
37260
38/100
1 815 Inhabitants
Saint-Claude-de-Diray
41350
38/100
1 764 Inhabitants
📍 Nearby municipalities
Nearest geographically
| City | Distance | Score | Pop. |
|---|---|---|---|
| Mareau-aux-Prés | 3.0 km | 45/100 | 1 669 |
| Chaingy | 3.5 km | 36/100 | 4 116 |
| Cléry-Saint-André | 5.8 km | 52/100 | 3 596 |
| Huisseau-sur-Mauves | 4.8 km | 59/100 | 1 778 |
| Meung-sur-Loire | 5.2 km | 62/100 | 6 670 |
| Dry | 8.4 km | 38/100 | 1 408 |
| Saint-Hilaire-Saint-Mesmin | 6.4 km | 45/100 | 3 261 |
| La Chapelle-Saint-Mesmin | 6.6 km | 58/100 | 11 017 |
❓ Frequently asked questions about Saint-Ay
What is the price per m² in Saint-Ay? ▶
The median price per m² in Saint-Ay is 4 077 €.
What is the rental yield in Saint-Ay? ▶
The gross rental yield in Saint-Ay is 3.3%.
Is Saint-Ay a good real estate investment? ▶
Saint-Ay has a ScorCity score of 38/100, making it a risky investment.
What is the average energy rating in Saint-Ay? ▶
The most common energy rating class in Saint-Ay is B.
What are the natural risks in Saint-Ay? ▶
7 risks are identified in Saint-Ay: Nucléaire, Transport de marchandises dangereuses, Mouvement de terrain.