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.

Review my purchase plan Read the guide

Purchase Details

Property price€500,000

Region7% standard resale ITP assumption.

Purchase typeResaleNew-build

Mortgage

Include mortgage cash planningBanks usually pay mortgage-deed AJD, notary, and registry costs. Buyer valuation costs remain a planning item.NoLoan-to-valueNon-resident mortgages commonly need a larger cash deposit. This model caps LTV at 80%.

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	Junta de Andalucía
Aragón	8-10%	10% IVA + 1.5% AJD	Gobierno de Aragón
Asturias	8-10%	10% IVA + 1.2% AJD	Tributas Asturias
Balearic Islands	8-13%	10% IVA + 1.5% AJD	ATIB
Basque Country	Provincial, often 4% for dwellings	10% IVA + 0.5% AJD	Basque Government
Canary Islands	6.5%	7% IGIC + 0.75% AJD	Agencia Tributaria Canaria
Cantabria	10%	10% IVA + 1.5% AJD	Agencia Cantabra Tributaria
Castile and León	8%	10% IVA + 1.5% AJD	Junta de Castilla y León
Castile-La Mancha	9%	10% IVA + 1.5% AJD	Junta de Comunidades de Castilla-La Mancha
Catalonia	10-11%	10% IVA + 1.5% AJD	Agencia Tributaria de Catalunya
Extremadura	8-11%	10% IVA + 1.5% AJD	Junta de Extremadura
Galicia	8%	10% IVA + 1.5% AJD	ATRIGA
La Rioja	7%	10% IVA + 1% AJD	Gobierno de La Rioja
Madrid	6%	10% IVA + 0.75% AJD	Comunidad de Madrid
Murcia	8%	10% IVA + 1.5% AJD	Agencia Tributaria Region de Murcia
Navarra	6%	10% IVA + 0.5% AJD	Hacienda Foral de Navarra
Valencian Community	10-11%	10% IVA + 1.5% AJD	Agencia Tributaria Valenciana