Pick an area and your setup. Each line shows a low–high range, how it was calculated, and the document behind it. Wherever an official tariff, tax table, wage agreement or statistic exists, the page uses it.
Share of the middle estimate, by how each line was sourced.
| Cost | How it's calculated | Low € | High € | Whole building / month |
|---|
Same setup in every area. Rent drives the ranking; water and waste taxes shift by a few euros.
| Rank | Area | Rent €/m² | Per member (low–high) | Middle estimate |
|---|
Benchmark: La Borda, a Barcelona housing coop, has charged €450–650/month per flat (40–78 m²) plus utilities, after an €18,500 refundable entry fee (idealista; figures may be dated).
Whole buildings listed for sale in your target districts on habitaclia, checked 26 Oct 2026. Sizes and prices are as advertised; condition isn't stated, so treat most as needing work. "Fits" uses the floor space per member set in the calculator (25 m²).
| District | Building | Price | Size | €/m² | Fits | Price per member | Zoning for homes | Notes |
|---|
Buying adds Catalan transfer tax (ITP, about 10% or more), notary and registry costs, plus renovation. Prices per member are purchase price only. Sources: habitaclia, buildings in Barcelona and idealista, buildings in Barcelona (searched 27 Oct 2026; 113 and 154 listings, filtered to ones that could house 15 to 50 people, or are unusual).
An example menu with healthy ingredients; the real menu will be planned together. Quantities are raw weights per person and scale with the number of members set in the calculator (50).
| Mon | Tofu palak: spiced spinach with tofu, basmati rice |
| Tue | Thai fish soup with coconut, lime and rice noodles |
| Wed | Stir-fry with crisp vegetables and chicken or tofu, fragrant rice |
| Thu | Chicken and vegetable soup with fresh bread |
| Fri | Smoky chickpea and spinach stew with crusty bread |
| Sat | Oven-baked salmon with roasted vegetables |
| Sun | Slow-cooked pot roast with root vegetables |
Weekly quantities for the whole group. Mercabarna prices are the official 2025 wholesale averages, with 4% VAT added so they compare with shop prices. Mercadona prices are its Barcelona online shop, October 2026. The cheaper source is highlighted.
| Item | Per person / week | Group / week | Mercabarna €/kg | Mercadona €/kg | Group cost / week |
|---|
The calculator's food budget (€3 a person a day) is set above this plan's ingredient cost, leaving room for better ingredients and variety. Sources: Mercabarna statistics 2025 · Mercadona online shop.
Whole-building renovation €800–1,400/m² (market guides; Barcelona-specific official prices weren't available). Construction tax (ICIO) is 4% of the works budget in Barcelona (2026 tax ordinance). Professional fees: no official benchmark; public subsidies count up to 8% of the works budget for project fees, so 8–12% including site supervision is used here. VAT on housing renovation can be 10%. (renovation guide, ICIO summary)
Month-by-month model, shown by year. Members, area and running costs come from the Cost calculator tab. The figures marked as assumptions should be replaced with real quotes and loan offers.
The cash flow starts on purchase day, but these come first, before any bank, investor or grant pays out. Amounts are rough estimates to replace with real quotes.
Re-runs the whole cash flow with one thing going wrong at a time, then all at once, using everything you've set above. Lenders will ask these questions. Updates as you change anything.
| Scenario | Starting fee that works | Change | Lowest cash at your fee |
|---|---|---|---|
| Calculating… | |||
Public money a cessió d'ús coop could apply for, checked against the official texts (October 2026). Switch each one on or off to see it in the cash flow and the charts; amounts are editable. Grants are competitive and paid only after approval, so plan without them and treat them as upside. The model counts switched-on grants as arriving at the start.
Royal Decree 326/2026, arts. 14–22. Housing cooperatives in cessió d'ús are named as eligible (art. 16). Pays up to 70% of the purchase price including taxes and notary costs, or up to 85% in a stressed housing market zone (art. 19.1); Barcelona has that status. Also up to €12,000 per home for small works (art. 19.2).
Conditions: the homes stay in rent or cessió d'ús for 50 years, registered on the property (art. 15). First-year rent capped at €8/m² a month (art. 20.1), which for a 750 m² building is about €6,000/month for the whole building, or roughly €200 per member for the housing part of the fee. Residents' income at most 5× IPREM (art. 22). Applications go through the Generalitat when it opens a call.
Same decree, arts. 95–103. Housing cooperatives, including cessió d'ús, are eligible (art. 96.1.e). Examples: accessibility works up to €13,000 per home at 70% of cost (more for residents over 65 or with a disability); safety works up to €8,000 per home at 40%; energy and habitability amounts set in the decree's Annex II. Works must finish within 36 months of the grant.
Check the year built: the building must be finished before 2006 (art. 97.a), unless the Generalitat makes an exception; Dr. Torent (2010), for example, wouldn't qualify. The per-home caps also depend on how many homes the building is registered as, so set the number below to match. Art. 101 says this aid can't be combined with other aid from the same decree.
A yearly Catalan grant line just for cessió d'ús housing cooperatives, paid as an amount per household to lower the members' up-front contribution. Run by the Departament d'Empresa i Treball. The 2026 amount per household isn't on an official page yet; Sostre Cívic and La Dinamo, who apply every year, will know.
The Consorci de l'Habitatge de Barcelona runs yearly renovation calls (the 2026 general call offered up to €6,000 per home, plus a €3,000 city top-up in some cases; it has closed). Watch for the 2027 call.
The state bank ICO lent Sostre Cívic €4M over 40 years for a cessió d'ús coop in Palamós, its first such loan. A longer loan term lowers monthly payments a lot; try setting the loan term to 40 years above. Housing co-op networks say the new ICO guarantee line from October 2026 leaves cessió d'ús out, so this is case by case.
Sources: BOE, Real Decreto 326/2026 (Plan Estatal de Vivienda 2026–2030) · Consorci de l'Habitatge de Barcelona · Unió de Cooperadors: Projectes Singulars 2026 · ICO: loan to Sostre Cívic · Red Vivienda Cooperativa
Below the zero line, the coop would need more money than it has. Hover to see each month.
Money coming in stacks up above the line; money going out stacks down below it. The dark line is the net: what's left over (or missing) that year. Hover for the exact figures.
What the coop still owes the bank and the investors, shrinking as it pays them back. This is separate from the cash in the bank above. Hover for the amounts.
How it works: deposits, investor money and grants come in at the start and are spent first; the loan is then paid out in stages as the works need it, as banks normally do. Buying pays the price plus about 11% for transfer tax, notary and registry. Renovation is spread over the renovation months. While the works run, the loan is interest-only; full repayments start at move-in. Running costs per member are the calculator's middle estimate excluding rent, scaled to occupancy. Leasing pays the calculator's middle rent for the whole building, minus any rent-free months. Member deposits are refundable when members leave. Investor capital earns a return on the amount still owed, and is paid back in equal monthly instalments over the repayment period you set. Gap funding: if the cash would drop below the safety cushion, the calculator adds just enough extra bank loan or investor money (on the same terms as the rest) to stay above it, including the extra repayments that adds. Inflation: running costs, owner costs and rent rise by the cost inflation rate each year, and the member fee by the fee increase rate; loan and investor payments are fixed in euros, so they get lighter in real terms over time. All figures are in the euros of each year, not converted back to today's money. The break-even fee is in today's prices.