Comparativa de costes · ES vs PT
Coste de comprar vivienda: España vs Portugal
Los costes de compra difieren mucho entre España y Portugal. Abajo, los costes de compra únicos y los costes anuales de propiedad de cada uno — a partir de la misma base documentada que nuestras calculadoras, en paralelo, para comparar de igual a igual.
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Coste único total — en paralelo
España
≈ 10–14% of price (resale, all-in one-off)
Coste único total — en paralelo
Portugal
≈ 6–8% of price (all-in one-off)
España
Estimación total
≈ 10–14% of price (resale, all-in one-off)
Costes únicos — España
Regional: ~6% Madrid, 7% Andalucía, 8% Murcia, 10–11% Catalonia & Valencia. The single biggest cost.
New-builds from a developer pay 10% IVA plus ~1–1.5% AJD instead of ITP.
Set by official scale; the notary executes the escritura.
Registering the deed at the Registro de la Propiedad.
Independent lawyer (abogado) — strongly recommended for foreign buyers.
Costes anuales — España
Annual, on the cadastral value (not market price).
On imputed income (1.1–2% of cadastral value) even if you never rent it. 19% for EU owners, 24% non-EU.
Building/community charges and municipal waste tax.
Portugal
Estimación total
≈ 6–8% of price (all-in one-off)
Costes únicos — Portugal
Progressive. For 2026 the brackets are uplifted so IMT only bites above ~€106,346, rising to a top marginal band of ~7.5–8% on higher-value homes.
Flat, on the deed value.
Notary deed (escritura) and Land Registry / conservatória.
Independent lawyer (advogado); reviews the CPCV and runs title checks.
Required for non-EU non-residents until you become resident.
Costes anuales — Portugal
Annual, on the taxable (VPT) value.
Only on the portion of Portuguese property value above €600,000 per owner.
Flat on net rent for non-residents; progressive if resident.
Los costes son solo la mitad de la decisión. Obtén análisis de precio justo, alertas legales y rentabilidad para una dirección concreta.
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¿Es más barato comprar vivienda en España o en Portugal?
Los costes únicos totales típicos son ≈ 10–14% of price (resale, all-in one-off) en España y ≈ 6–8% of price (all-in one-off) en Portugal. Compara los desgloses completos de arriba y usa la calculadora de cada país para una cifra según precio antes de decidir.
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.
How much does it cost to buy a house in Portugal?
Budget roughly 6–8% of the price all-in: progressive IMT transfer tax (up to ~7.5–8% on higher-value homes, less on cheaper ones), 0.8% stamp duty, plus notary, registration and legal fees of about 1.5–2.5% combined.