Free calculator · Mediterranean coast

What buying in Spain really costs, region by region.

Purchase tax is set by each Spanish region. Choose where the property is and see the deposit, taxes and total cash needed before you sign a reservation contract.

Standard rates checked in September 2026 with the regional tax agencies.

Region where the property is

Purchase price€Estimated taxable base€Use the highest of purchase price, declared value and reference value.Estimated financing%Other estimated costs%Notary, land registry, valuation and administration vary by transaction.

Estimate

Estimated cash needed

€78,750

Deposit (20%): €50,000
Estimated loan: €200,000
Standard transfer tax (10-13% bands): €25,000
Other costs (1.5%): €3,750

Illustrative estimate using standard rates. It excludes reliefs, reduced rates and case-specific circumstances.

Rates checked on 7 September 2026: Transfer tax rates · Catalan Tax Agency

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How to read it

The same home is taxed differently on each coast.

On a €400,000 resale home, standard transfer tax is €40,000 in Catalonia, €36,000 in the Valencian Community (Costa Blanca, Valencia), €28,000 in Andalusia (Costa del Sol), €31,000 in the Region of Murcia and €32,000 in the Balearic Islands. The taxable base can be higher than the price if the official reference value is higher.

In the Valencian Community the 11% rate applies to the whole value once the property exceeds €1,000,000, not only to the part above it. A €1,050,000 home pays €115,500, not €95,500.

Official sourcesTransfer tax rates · Catalan Tax Agency 2026 tax changes · Valencian Government Current ITPAJD rules · Andalusian Government Murcia ceded taxes consolidated text · Spanish Official Gazette Balearic ceded taxes consolidated text · Spanish Official Gazette Transfer tax · Balearic Tax Agency

Frequently asked questions

Before you sign.

How much property transfer tax do I pay in Spain?

It depends on the region. For a resale home, Catalonia applies 10% up to €600,000 and higher bands above, the Valencian Community 9% (11% on the whole value above €1,000,000), Andalusia a flat 7%, the Region of Murcia a flat 7.75% and the Balearic Islands 8% up to €400,000 rising in bands to 13%.

What does a new build cost in taxes?

New homes pay 10% VAT everywhere in Spain plus stamp duty on the deed: 1.5% in Catalonia, 1.4% in the Valencian Community, 1.2% in Andalusia, 1.5% in Murcia and 1.5% in the Balearic Islands (2% on the whole value from €1,000,000), under the general rules.

How much will a Spanish bank lend a non-resident?

Usually 60-70% of the lower of price and valuation. Taxes and costs are paid in cash, so model a cautious financing percentage.

Buying in Catalonia? There is also a Catalonia-only purchase cost calculator.

From estimate to decision

Does the deposit work for your situation?

Tell us where you live, your income currency and the property you have in mind. We review the numbers in English and explain the realistic next steps.