How much does it cost to buy property in Spain on top of the price?

As a guide, budget roughly 10% to 13% on top of the price. The main costs are transfer tax (ITP) on a resale or 10% VAT plus stamp duty (AJD) on a new build, then notary, land registry, lawyer and gestor fees. The rates depend on the region.

On a resale you pay ITP, a regional transfer tax. In the Valencian Community (Costa Blanca) it is 9% from 1 June 2026 (it was 10%), with a higher rate on properties over €1 million. In Andalucía (Almería, Costa Tropical and Costa del Sol) it is 7%. In Murcia (Costa Cálida) it is 7.75% (lowered from 8% in July 2025).

On a new build from a developer you pay 10% VAT plus stamp duty (AJD) instead of ITP. AJD is set by each region: 1.4% in the Valencian Community from 1 June 2026, 1.5% in Murcia and 1.2% in Andalucía.

On top of tax, as an illustration on a €400,000 purchase, expect around €1,600 for the notary and land registry together, around €400 for a gestor (administrator), and a lawyer commonly charging about 1% plus VAT. Your own lawyer will give you a written estimate.

Regions also have reduced rates for particular groups, such as younger buyers or large families buying a main home. Ask your lawyer whether any apply to you.

General information, not legal or tax advice. Rules and figures were last checked in November 2026 and change, so take independent advice from a Spanish lawyer for your own purchase.