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Buying costs in Spain, 2026

What buying a home in Spain really costs

Enter the price and the region. You get every cost line by line, the cash you need on completion day and what the home costs you every year.

Calculate your true cost
€
Property
Buyers on the deed
Paying with
You will be tax resident in

It is on the seller's IBI receipt. Leave empty if you do not know it yet.

pinspain.com, buying costs in Spain

Estimate made on

Completion statement, estimate

    Cash on completion day
    Mortgage

    Every year

    1. IBI (council tax)
    2. Non-resident income tax
    3. Community fees
    4. Yearly total

    Talk to a registered local agent

    Rates as of October 2026, sources under the figures. An estimate to plan with, not tax or legal advice.

    Why the region changes the bill

    On a resale home you pay the transfer tax of the region where the home is. On a new build you pay VAT instead, plus stamp duty. Ask an independent professional which rates apply to the property and your circumstances.

    Before you sign anything

    1. Get your NIE

      The foreigner identity number is used during the purchase process.

    2. Hire your own lawyer

      An independent lawyer can check the property records, debts and planning position.

    3. Check the Land Registry record

      Review the property record before committing to the purchase.

    4. Get every cost in writing

      Use written tax and fee figures when planning the cash you need.

    Ask about local buying help

    Tell us where you are looking and what you need help with. We will use your details only as described in the consent statement.

    How introductions work

    Questions buyers ask

    Is the result a quote?

    No. It is an estimate for planning. Your independent advisers provide the final figures.

    Where should I get the fee figures?

    Ask the professionals involved in your purchase for written estimates tied to the property.

    Guides and tools

    More pages to help you plan the move and paperwork.

    NIE number guide

    Understand the foreigner identity number and how it fits into a purchase.

    Open

    Conveyancing in Spain

    Follow the buying process from the first checks to completion.

    Open

    How introductions work

    Read how an enquiry and consented introduction are handled.

    Open

    Costs & taxes in Andalusia

    ITP 7%, AJD 1.2%, notary, registry, lawyer and gestoria line by line.

    Open

    Dutch buyer hub

    Calculator, guides and introductions in Dutch for buyers from the Netherlands.

    Open

    German buyer hub

    Calculator, guides and introductions in German for buyers from Germany.

    Open