The asking price is not the whole story. On top come the tax (ITP on resale, or IVA + AJD on new-build), notary and registry, and a lawyer — usually 10–14% of the price. Pick the type and region and the calculator shows the full keys-in-hand cost and the overhead as a percentage.
Updated: July 2025
Indicative. Notary and registry scale with the deal value; some regions apply reduced rates. Confirm with your gestor.
The main tax is the biggest line: on resale it is ITP at the region’s rate, on new-build it is 10% IVA plus 1–1.5% AJD stamp duty. Add notary and land-registry fees (about 1–1.5%) and a lawyer or gestor who checks the property and runs the deal (about 1%).
The resale ITP rate is set by the region: Madrid 6%, Canaries 6.5%, Andalusia 7%, Murcia 8%, Valencia 10%, Catalonia 10–11%, Balearics 8–11% in tiers. The gap is real: the same €300,000 resale is €30,000 of tax in Valencia but €18,000 in Madrid.
A €300,000 resale in Valencia (ITP 10%): €30,000 tax plus about €6,750 for notary, registry and lawyer — roughly €36,750 on top, or +12.3%. The same home as new-build: €30,000 IVA + €4,500 AJD + fees ≈ €41,250 (+13.8%).
The estimate is indicative. Notary and registry fees depend on the value and region, and some regions apply reduced ITP for a main home, young buyers and large families. Your gestor prepares the exact budget.
A specialist builds an exact keys-in-hand estimate for your region, type and reliefs, and matches a property to your budget.
Usually 10–14% on top: the main tax (resale ITP 6–11% by region, or new-build IVA 10% + AJD 1–1.5%), notary and registry (~1–1.5%) and lawyer/gestor (~1%). A €300,000 resale in Valencia adds about €36,750.
Resale is charged ITP, a percentage that depends on the region (Madrid 6%, Canaries 6.5%, Andalusia 7%, Murcia 8%, Valencia 10%). New-build is charged 10% IVA plus 1–1.5% AJD stamp duty. The other costs (notary, registry, lawyer) are the same.
As a guide: Madrid 6%, Canaries 6.5%, Andalusia (Costa del Sol) 7%, Murcia 8%, Valencia (Costa Blanca) 10%, Catalonia 10–11%, Balearics 8–11% (tiered by price). Many regions offer reduced rates for a main home, young buyers and large families.
Yes. The tax (ITP or IVA + AJD) is paid within 30 days of completion, separately from the property price. Budget this cash upfront — the bank finances the price, not the taxes.
Notary and registry fees are regulated tariffs that scale with the price. For a typical coastal purchase both together usually land in the low four figures — roughly €1,000–2,500 combined. Your lawyer’s fee (commonly ~1% + VAT) is separate.
No. Spanish banks lend against the lower of the price or the valuation (60–70% for non-residents), so the 10–14% in costs must come from your own funds on top of the deposit. Budget for them from the start.