Spain property calculator
Spain Property Buying Cost Calculator
Estimate transfer tax, IVA or IGIC, AJD, notary, registry, lawyer, gestor, mortgage valuation, and cash needed for a property purchase in Spain.
Purchase Details
€500,000
Mortgage
Regional tax model
Standard property-tax assumptions by region
The calculator uses these standard rates for ordinary residential purchase planning. Reduced rates for age, disability, large-family status, protected housing, or primary residence must be checked before signing.
| Region | Resale ITP | New-build tax | Official source |
|---|---|---|---|
| Andalucía | 7% | 10% IVA + 1.2% AJD | Ley 5/2021 (Andalucía), arts 41 and 49 |
| Aragón | 8% to €400,000, 8.5% to €450,000, 9% to €500,000, 9.5% to €750,000, 10% above | 10% IVA + 1.5% AJD | DLeg 1/2005 (Aragón), arts 121-1 and 122-1 |
| Asturias | 8% up to €300,000, 9% up to €500,000, 10% above, on the whole price | 10% IVA + 1.2% AJD | DLeg 2/2014 (Asturias), arts 26 and 34 |
| Balearic Islands | 8% to €400,000, 9% to €600,000, 10% to €1M, 12% to €2M, 13% above | 10% IVA + 1.5%, or 2% from €1M AJD | DLeg 1/2014 (Illes Balears), arts 10, 15 and 17 bis |
| Basque Country | 4% for dwellings (6% if you hold more than 5 dwellings; 2.5% for some small homes or large families) | 10% IVA + 0.5% AJD | Diputación Foral de Gipuzkoa, ITP rates |
| Canary Islands | 6.5% (5% for some habitual homes up to €200,000) | 7% IGIC + 1% AJD | DLeg 1/2009 (Canarias), arts 31 and 36 |
| Cantabria | 9% (habitual home: 7% up to €300,000, 9% above) | 10% IVA + 1.5% AJD | DLeg 62/2008 (Cantabria), arts 9 and 13 |
| Castile and León | 8% up to €250,000, 10% on the part above | 10% IVA + 1.5% AJD | DLeg 1/2013 (Castilla y León), arts 24 and 25 |
| Castile-La Mancha | 9% | 10% IVA + 1.5% AJD | Ley 8/2013 (Castilla-La Mancha), arts 19 and 21 |
| Catalonia | 10% to €600,000, 11% to €900,000, 12% to €1.5M, 13% above (20% for large holders) | 10% IVA + 1.5% AJD | DLeg 1/2024 (Catalunya), arts 641-1 and 642-1 |
| Extremadura | 8% to €360,000, 10% to €600,000, 11% above | 10% IVA + 1.5% AJD | DLeg 1/2018 (Extremadura), arts 36 and 46 |
| Galicia | 8% (7% for some habitual homes) | 10% IVA + 1.5% AJD | DLeg 1/2011 (Galicia), arts 14 and 15 |
| La Rioja | 7% | 10% IVA + 1% AJD | Ley 10/2017 (La Rioja), arts 44 and 48 |
| Madrid | 6% | 10% IVA + 0.75% (0.4% up to €120,000 and 0.5% up to €180,000 when an individual buys a home) AJD | DLeg 1/2010 (Madrid), arts 28, 32 and 36 |
| Murcia | 7.75% (since 25 July 2025) | 10% IVA + 1.5% AJD | DLeg 1/2010 (Región de Murcia), arts 6 and 7 |
| Navarra | 6% | 10% IVA + 0.5% AJD | DFLeg 129/1999 (Navarra), arts 8 and 22 |
| Valencian Community | 9%, or 11% on the whole price above €1M (since 1 June 2026) | 10% IVA + 1.4% AJD | Ley 13/1997 (Comunitat Valenciana), arts 13 and 14 |