How much will your Spanish property purchase cost in total?
In 30 seconds
On top of the purchase price, count roughly 9 percent on a resale and roughly 13 percent on a new build in Andalusia. The exact share depends on your price, and the calculator computes every line of it from your own numbers.
What will you pay for your price and property type?
Type or slide your purchase price and choose new build or resale. The calculator lists every cost line and the total you will actually transfer. Everything runs in your browser: nothing you enter is sent or stored anywhere.
O controlo deslizante vai até 20 milhões €. Pode introduzir diretamente um montante exato no campo do preço.
IVA (IVA), 10 %35.000 €
Imposto de selo (AJD), 1,2 %4.200 €
Advogado, 1 %3.500 €
Notário1.507 €
Registo predial904 €
NIE e traduções150 €
Ligações de serviços e água600 €
Total a pagar+13.1 %395.861 €
Taxas para a Andaluzia, agosto de 2026. Os honorários do notário e do registo predial acompanham o preço do imóvel: em imóveis mais caros, os honorários do notário representam uma percentagem menor do que em imóveis mais baratos, e o registo predial corresponde aproximadamente a 60 % dos honorários do notário. O mobiliário, a avaliação para efeitos de hipoteca e os custos anuais acima indicados não estão incluídos. Confirme os montantes exatos com o seu advogado.
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What exactly is inside the total?
The total is the purchase price plus one tax, three professional fees and two small fixed items. The tax depends on the property type; everything else applies to both.
| Item | Rate or amount | What it is |
|---|---|---|
| ITP, 7 % | Resale only | The transfer tax on a second-hand property in Andalusia. One flat rate on the whole price. |
| IVA, 10 % | New build only | Spanish VAT on a new home bought from the developer. |
| AJD, 1,2 % | New build only | Stamp duty on the notarised deed, charged alongside IVA in Andalusia. |
| Lawyer, ~1 % | Of the price, incl. VAT | Your own independent lawyer, who checks title, debts and licences before you pay. |
| Notary | A falling percentage | Set by a state tariff: roughly 0,5 % on a cheap purchase, falling toward 0,1 % on an expensive one, with a practical ceiling around 6 000 €. |
| Land registry | ~60 % of the notary fee | Registration of the deed. In practice it runs at 50 to 70 percent of the notary fee. |
| NIE and translations | 150 € | The Spanish tax number for foreigners and the sworn translations around it. |
| Utility connections | 600 € | Putting electricity and water contracts into your name. |
Why does a new build cost more to buy than a resale?
The whole difference is the tax. A new build carries IVA at 10 percent plus AJD at 1,2 percent, so 11,2 percent in tax before any fee. A resale carries ITP at a flat 7 percent. The professional fees are the same either way, which is why the totals land near 13 percent and 9 percent.
What buyers assumeWhat actually applies
- The tax is charged on the price I negotiated
- Not always. Since 2022, ITP can be calculated from the cadastral reference value when that value is higher than the price you paid. Your lawyer checks this figure before you sign.
- The notary fee is a fixed percentage
- It falls as the price rises. On a cheap property it is roughly half a percent; on an expensive one it drops toward a tenth of a percent, with a practical ceiling around 6 000 €.
- The 9 or 13 percent figure is exact
- It is an orientation. The real share moves with the price because the fixed items weigh more on a cheap purchase: the site's own worked tables run from 13,3 % at 350 000 € down to 12,7 % at 1 000 000 € on a new build.
What this calculator does not include
Furniture, the bank valuation for a mortgage, and the annual running costs of owning. If you finance the purchase, the mortgage calculator models the loan side, including the gap between the bank's valuation and your price.The notary and registry lines are estimates built from the state tariff's shape, not the tariff itself. The real fee includes per-page and copy supplements, so treat both lines as close guides and confirm the exact amounts with your lawyer.ITP can be charged on the cadastral reference value instead of your price when that value is higher. The calculator uses your price, because the reference value is specific to each property.
Frequently asked questions about the cost calculator
- How much cash do I need on top of the purchase price?
- Roughly 9 percent on a resale and roughly 13 percent on a new build in Andalusia. The calculator above gives the exact figure for your price. If you also take a mortgage, add the gap between the loan and the price, which the mortgage calculator models.
- Are these rates the same everywhere in Spain?
- No. This calculator uses the rates for Andalusia, where the Costa del Sol lies: ITP at a flat 7 percent on a resale, and IVA 10 percent plus AJD 1,2 percent on a new build.
- Is anything I type sent anywhere?
- No. The whole calculation runs in your browser. Nothing you enter is sent, stored or shared.