Free tool
Mediterranean property buying cost calculator
The asking price is never the price you pay. Enter a budget and see the transfer taxes, notary and registry charges, legal fees and annual ownership costs that apply in seven Mediterranean countries. Statutory rates reviewed August 2026.
Your purchase
Transfer tax in Spain is set regionally.
Total cash needed
€500,400 – €504,045
€450,000 purchase price plus €50,400–€54,045 in taxes and fees (11.2–12.0%).
Annual running costs: €2,175 – €8,500 per year.
One-off costs in Spain
| Cost | Estimate |
|---|---|
| Transfer tax (ITP)Valencian Community (Costa Blanca) rate. | €45,000 |
| NotaryStatutory scale, degressive with price. | €450 – €2,250 |
| Land registryStatutory scale. | €450 – €1,350 |
| LawyerIndependent conveyancing, plus VAT. | €4,500 – €5,445 |
| Total fees | €50,400 – €54,045 |
Annual ownership costs
| Charge | Per year |
|---|---|
| IBI (council tax)Charged on cadastral value, typically well below market price. | €675 – €2,250 |
| Non-resident income taxOn imputed rental income if you don't let the property. | €900 – €2,250 |
| Community & utilities standing chargesDepends entirely on the urbanisation. | €600 – €4,000 |
Estimates only, based on published statutory rates and customary professional-fee ranges reviewed August 2026. Rates change and several are set regionally or on cadastral rather than market values. Always confirm with a local lawyer or tax adviser before committing. Agencia Tributaria
Next steps
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