Wahre Kaufkosten · ES

Kosten beim Immobilienkauf in Spanien

The headline price is only part of the story in Spain. Budget roughly 10–14% on top of the purchase price for a resale, driven mostly by the regional transfer tax (ITP), which varies sharply by autonomous community. New-builds swap ITP for 10% IVA plus stamp duty. Here is the full breakdown, plus the recurring costs you carry every year you own.

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Gesamtschätzung

≈ 10–14% of price (resale, all-in one-off)

Einmalige Kaufkosten

Transfer tax (ITP) — resale
6–11%
Regional: ~6% Madrid, 7% Andalucía, 8% Murcia, 10–11% Catalonia & Valencia. The single biggest cost.
VAT (IVA) + stamp duty (AJD) — new-build
10% + 1–1.5%
New-builds from a developer pay 10% IVA plus ~1–1.5% AJD instead of ITP.
Notary fees
0.1–0.5%
Set by official scale; the notary executes the escritura.
Land registry
0.1–0.4%
Registering the deed at the Registro de la Propiedad.
Legal / conveyancing
1–1.5%
Independent lawyer (abogado) — strongly recommended for foreign buyers.

Laufende Kosten des Eigentums

IBI (municipal property tax)
0.4–1.1%
Annual, on the cadastral value (not market price).
Non-resident income tax (IRNR)
19–24%
On imputed income (1.1–2% of cadastral value) even if you never rent it. 19% for EU owners, 24% non-EU.
Community fees + rubbish (basura)
varies
Building/community charges and municipal waste tax.
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Häufige Fragen

How much are buying costs in Spain on top of the price?

For a resale, budget roughly 10–14% of the purchase price all-in: regional ITP transfer tax (6–11%) is the bulk, plus notary, registry and legal fees of about 2–3% combined. New-builds pay 10% IVA plus ~1–1.5% AJD instead of ITP.

Is it cheaper to buy a new-build or a resale in Spain?

It depends on the region. New-builds carry 10% IVA + ~1.5% AJD (≈11.5%), while resale ITP ranges from ~6% (Madrid) to ~11% (Catalonia/Valencia). In low-ITP regions resale is cheaper on tax; in high-ITP regions a new-build can be comparable.

What annual costs come with a Spanish property?

Annual IBI (0.4–1.1% of cadastral value), non-resident income tax on imputed income (19% EU / 24% non-EU), plus community fees and the basura waste tax. Owners who rent are taxed on the rent (19% net for EU, 24% gross for non-EU).

Die Zahlen sind Schätzungen für 2026 als Spannen; regionale Sätze und persönliche Umstände variieren. Nutzen Sie den Rechner für eine preisgenaue Zahl und bestätigen Sie sie vor dem Kauf mit einem lokalen Fachmann.