On top of the purchase price, in Spain you pay tax, the notary, registration and a few fixed items. Enter your situation below and you’ll immediately see a clear estimate of the additional costs and your total budget.
With a resale property you pay transfer tax (ITP). With a new build you pay VAT (IVA) plus stamp duty (AJD).
Costa del Sol. Andalusia applies a flat ITP rate of 7% for second homes.
By default 0.75% of the purchase price, with a minimum of €2,500. Adjust it with your own quote.
An indication based on the rates in this calculator. Costa Select’s fee is separate; you’ll find it on the how-we-work page.
Every item has its own reason. Below we explain each one, without jargon, so you know what you pay and why.
Tax on the purchase of a resale property, as a percentage of the purchase price. Set regionally.
For a new-build home from the developer you pay 10% VAT instead of transfer tax.
Tax on the official deed, only for new builds and on the mortgage deed. Regional percentage.
The notary draws up the official deed of sale and confirms the transfer. A legally fixed fee.
Registration of the property in your name in the Registro de la Propiedad, so your ownership is established.
A gestor handles the practical side: paying taxes, registrations and formalities.
An independent lawyer carries out the checks and protects your interests. Often around 1% of the purchase price.
Your Spanish identification number as a foreigner, required for every purchase. A small application cost per person.
You may have to pay your buyer’s agent a fee, depending on the region and the arrangements made.
Property tax in Spain is set regionally. The same home costs thousands of euros more in tax in one region than in another. Our areas of operation are listed first.
| Region | ITP (resale) | AJD (new build) | Particularity |
|---|---|---|---|
| Andalusia | 7% | 1.2% | Costa del Sol, flat rate |
| Valencia region | 9% (11% above €1M) | 1.4% | Costa Blanca and Valencia, reduced as of 1 June 2026 |
| Murcia | 7.75% | 1.5% | Costa Cálida |
| Catalonia | 10% to 13% | 1.5% | Costa Brava and Dorada, progressive scale |
| Madrid | 6% | 0.75% | Lowest rates |
| Balearic Islands | 8% to 13% | 1.5% | Banded rate; AJD 2% above €1M for new builds |
| Canary Islands | 6.5% | 0.75% | IGIC instead of VAT |
Indicative rates for this calculator, as of June 2026. The ITP is calculated on the higher of the purchase price and the tax reference value (valor de referencia) from the cadastre. For new builds, 10% VAT (IVA) also applies, except in the Canary Islands where IGIC applies. Rates change and vary by situation.
A home that has been sold before. You pay transfer tax, not VAT.
You buy directly from the developer, for the first time. You pay VAT plus stamp duty, not ITP.
This is exactly what buyers often mix up: with a new build you pay no ITP, but VAT plus stamp duty. In the Canary Islands there is no VAT but IGIC, at a lower rate of 7%. The calculator switches automatically to the right calculation.
Missing something? Feel free to ask — we’re happy to help you think it through.
There are two situations. If you buy an existing, previously registered property, you pay transfer tax (ITP), which depending on the region ranges between 7% and 11%. If you buy a new-build property that has not been registered before, you pay 10% VAT, plus stamp duty (AJD) for the first registration. That stamp duty varies slightly by region.
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The information above is indicative and not legal or tax advice. Rules and rates differ by region and situation and change regularly. For questions on this, we always refer you to a Spanish tax adviser or lawyer. As of: June 2026.
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