Spain Property Compass

Buy · Calculator

Spain Property Purchase Cost Calculator

Adds transfer tax or VAT, stamp duty, notary and registry fees, legal fees and mortgage costs to the asking price so you can see the full cash requirement.

Written by Spain Property Compass Editorial Team
Property
Taxes

Enter the rate that applies in your region.

Verify before use — Regional tax authority + AEAT — varies by region and by new-build vs resale

Verify before use — Regional tax authority — applies to new builds and mortgage deeds

Fees

Verify before use — Consejo General del Notariado fee scale

Verify before use — Colegio de Registradores fee scale

Ask your lawyer for a written fee quote.

Finance

The spread your provider charges on the transfer.

What this calculator returns

  • Total cash required
  • Costs as a percentage of price
  • Itemised cost table
  • Cash vs mortgage comparison

Assumptions

  • All rates and fees are the figures you enter; the tool applies no default tax rate of its own.
  • Fees are treated as payable at completion.
  • Currency cost is applied to the total cash amount transferred.

Sources

Update cycle: Regional rates quarterly and on any budget announcement; fee scales annually.

How to read this page

General information
Explains how a cost, tax or process generally works in Spain, with the authoritative source named.
Estimate
A calculated figure based on the inputs and assumptions you can see and change. It is not a quotation.
Not professional advice
Nothing here is legal, tax, mortgage or investment advice. Confirm your position with a qualified professional in Spain.

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