Buying Costs Calculator
Calculate taxes and fees when buying property in Spain
Buying property in Spain involves taxes and fees on top of the purchase price. The exact amounts depend on whether you are buying a new build or resale property, the region, and whether you need a mortgage. This calculator gives you an approximate breakdown of all one-time costs.
New builds pay IVA (10%) + AJD (stamp duty). Resale properties pay ITP (transfer tax), which varies by region. Reduced rates may apply for a habitual residence or specific buyers.
One-Time Costs
Taxes
Legal & Administrative
Lawyer fees may apply but vary.
Buying with a mortgage adds lender costs that vary (valuation, possible arrangement fee). The bank pays the mortgage's AJD, notary and registry. See the Mortgage Calculator.
Typical Annual Running Costs
These are approximate ranges. Actual amounts depend on your property, municipality, and community.
Non-residents pay an annual imputed-income tax (IRNR); residents pay it through IRPF on a second home. A resident's main home is exempt.
These calculations are estimates only. Actual costs may vary depending on individual circumstances, property details, and current regulations. Please consult a qualified professional for accurate figures.