Buying costs calculator
Every tax and fee on your purchase, itemised.
List price before VAT.
Only if in a separate deed; these pay 21% VAT. In the same deed they are part of the price.
Your estimate
Budget for buying costs
€101,000
About 13.5% of the price, with a margin
Total to set aside
€851,000
Price plus the cost budget.
| Item | Amount |
|---|---|
| VAT (IVA) 10%On the price of a new home, including parking and storage sold in the same deed. | €75,000 |
| Stamp duty (AJD) 1.2%General rate. Reduced rates only apply to a main home below the price caps. | €9,000 |
| NotaryRegulated tariff, rises with the price. | €600 to €1,500 |
| Land Registry | €400 to €1,000 |
| Gestoría (paperwork and tax filings) | €300 to €500 |
| Lawyer, about 1% plus 21% VATTypical on the Costa del Sol; many firms have a minimum fee. | €9,075 |
| NIE number (official fee)Only if you do not have one yet. | €10 |
| Itemised costs12.6% to 12.8% of the price | €94,385 to €96,085 |
| Margin for costs that varyBank and transfer charges, translations, power of attorney, utility connections | about €4,900 |
| Budget, about 13.5% | €101,000 |
The itemised costs come to 12.6% to 12.8%. We suggest budgeting about 13.5% (€101,000), which leaves a margin for the costs that vary from one purchase to another. Fee ranges are estimates from typical 2026 tariffs. On off-plan purchases VAT is paid with each instalment, and stamp duty at the deed.
New build or resale, main home or second home, cash or mortgage. Enter a price and see every tax and fee itemised, with the total as a share of the price.
Rates and thresholds checked September 2026. Estimates for guidance only; confirm figures with a lawyer, bank or developer before committing.
Questions people ask
How much are buying costs on a new build in Andalucía?+
On a new build you pay 10% VAT and 1.2% stamp duty (AJD), plus notary, land registry, gestoría and a lawyer at about 1% plus VAT. On a €1,000,000 new build that is €100,000 VAT and €12,000 AJD before fees. We suggest budgeting about 13.5% on top of the price, which covers the itemised costs with a margin for the ones that vary.
What is the transfer tax (ITP) on a resale home?+
Andalucía charges a flat 7% ITP on resale homes. A main home up to €150,000 pays 6%, and buyers under 35 pay 3.5% up to the same cap. Above the cap, the whole price pays 7%. The tax is charged on the higher of the price and the cadastral reference value, so enter the reference value if you know it. We suggest budgeting about 10% on top of the price for a resale.
Can non-residents use the reduced rates?+
Rarely. The reduced ITP and AJD rates require the home to be your habitual residence and the price to be under the caps, so most second-home and investment buyers pay the general rates.
Who pays the mortgage costs in Spain?+
Since 2019 the bank pays the stamp duty, notary, registry and gestoría for the mortgage deed. You pay the valuation, usually €250 to €700, any copies of the deed you ask for and any opening fee.
Is parking included in the VAT rate of 10%?+
Yes, up to two parking spaces and a storage room sold with the home in the same deed pay 10%. Bought separately, they pay 21%.