Buying costs in Spain
The costs added on top of the purchase price of a home in Spain, in tables: each component with its rate and its source.
Amounts in euros (EUR).
Sources checked 4 November 2026. Rates are 2026 rates unless a row says otherwise; do not carry a 2026 rate into 2027 without re-checking.
ITP and AJD are set per autonomous community. This page covers the communities with site cities — Madrid, Catalonia (Barcelona), Valencian Community (Valencia, Alicante), Andalusia (Sevilla); other communities differ.
Resale (second-hand) home
| Component | Rate | Source |
|---|---|---|
| Transfer tax (ITP), Madrid, general rate | 6% of price | Community tax tables, via 2026 guides (CaixaBank, Gibobs) |
| ITP, Andalusia, general rate | 7% of price | Community tax tables, via 2026 guides |
| ITP, Valencian Community, from 1 Jun 2026 | 9% up to €1,000,000; 11% above €1,000,000 (was 10% general before) | Ley 5/2025, de 30 de mayo, via Generalitat Hisenda official-page excerpt |
| ITP, Catalonia, general | 10% general, rising to 13% on higher values (progressive scale) | Community tax tables, via 2026 guides |
| Notary, purchase deed | ~0.2–0.5% of price (estimate) | Spain guides (alegria-realestate.com, acierto.com) |
| Land Registry (Registro de la Propiedad) | ~0.1–0.25% of price (estimate) | Spain guides |
| Lawyer (optional, buyer-appointed) | ~1–1.5% + VAT (estimate) | Spain guides |
| Gestoría (optional, if hired) | ~€300–500 flat (estimate) | Spain guides |
| Valuation (tasación), only if mortgaged | ~€400 (estimate) | Spain guides |
| Mortgage-deed notary / registry / gestoría / AJD | Paid by the BANK, not the buyer, since Ley 5/2019 | Spain guides |
Valencia: the Hisenda official page could not be re-opened in this run; confirm the rate before relying on it.
Catalonia: only the 10–13% span is published; confirm tranche boundaries with the Agència Tributària de Catalunya.
The buyer still pays the valuation even though the bank pays the mortgage-deed costs.
Reduced ITP rates may apply in some cases; check the community tax agency. No reduced-rate percentage is published.
New-build home from a developer (first transfer, no ITP)
| Component | Rate | Source |
|---|---|---|
| VAT (IVA), new residential home | 10% of price (4% for special-regime / public-promotion protected housing) | AEAT description, via guides |
| AJD, purchase deed — Madrid | 0.75% | CaixaBank tax guide and other guides |
| AJD — Andalusia | 1.2% | CaixaBank tax guide and other guides |
| AJD — Catalonia | 1.5% | CaixaBank tax guide and other guides |
| AJD — Valencian Community | 1.5% | CaixaBank tax guide and other guides |
Valencian Community: a cut to 1.4% from 1 June 2026 is reported but not confirmed; check hisenda.gva.es.
Canary Islands: IGIC 6.5% instead of IVA. The site has no Canary city; mentioned in this line only.
Typical all-in cost
Resale: ~10–13% on top of the price (estimate, planning range: tax + notary + registry + lawyer where hired).
New-build: ~12–14% on top of the price (estimate, planning range: IVA 10% + AJD + notary/registry).
These ranges are estimates, not statutory totals.
Figures are typical, vary by case, and can change. Confirm the exact amount for your purchase with a notary (and bank/authority where relevant) before signing. This page is research information only, not legal, tax or banking advice.