- Home
- Calculators
- Buying costs calculator
Spain property buying costs calculator 2026 (ITP, notary, land registry)
Work out the costs of buying a home in Spain by region: ITP or VAT + AJD, notary, land registry, gestoría and valuation. 2026 rates for all 17 regions.
Total costs
17,038 €
6.8 % of the price
Total budget (price + costs)
267,038 €
| ITP (transfer tax) · 6 % | 15,000 € |
| Notary (estimate) | 827 € |
| Land registry (estimate) | 243 € |
| Gestoría (estimate) | 484 € |
| Bank valuation (tasación) | 484 € |
| Total costs | 17,038 € |
- 2026 general rates. Reduced rates exist for main homes, young buyers or large families: they are not included.
- ITP is charged on the price or, if higher, on the cadastral reference value.
- With a mortgage, the bank pays the notary, registry and AJD of the loan deed (Law 5/2019); the valuation is paid by you.
- In Spain, the agency commission is usually paid by the seller.
ITP rates by region in 2026
| Region (autonomous community) | ITP rate (resale) | AJD (new build) |
|---|---|---|
| Andalusia | 7 % | 1.20 % |
| Aragon | 8–10 % (progressive) | 1.50 % |
| Asturias | 8–10 % (progressive) | 1.20 % |
| Balearic Islands | 8–13 % (progressive) | 1.50 % |
| Basque Country | 4 % | 0 % |
| Canary Islands | 6.50 % | 1 % |
| Cantabria | 9 % | 1.50 % |
| Castile and León | 8–10 % (progressive) | 1.50 % |
| Castilla-La Mancha | 9 % | 1.50 % |
| Catalonia | 10–13 % (progressive) | 1.50 % |
| Community of Madrid | 6 % | 0.75 % |
| Extremadura | 8–11 % (progressive) | 1.50 % |
| Galicia | 8 % | 1.50 % |
| La Rioja | 7 % | 1 % |
| Navarre | 6 % | 0.50 % |
| Region of Murcia | 7.75 % | 1.50 % |
| Valencian Community | 9–11 % (progressive) | 1.40 % |
Updated: 3 November 2026 · Source: idealista/news, hipotecas.me, BOE.
Rental yield calculator for Spain (gross, net, cash flow) →
Found a listing you like?
Paste the Idealista link: estimated rent, yield, tax and cash flow in seconds.
Analyse a listing for free →