Real costs of buying a house in Spain: taxes, notary, land registry and community fees

In addition to the property price, calculate taxes and other expenses to avoid surprises. Here is a practical breakdown.

Purchase taxes

• New build: VAT + AJD (Stamp Duty).

• Resale: ITP (regional rate).

Deed and financing costs

• Notary and Land Registry.

• Agency/administration fees (if there is a mortgage).

• Valuation and opening commission (if applicable).

Recurring costs

• Property tax (IBI) and garbage collection fee.

• Community fee (if applicable).

• Home insurance and maintenance.

H2 · Indicative examples

*The tax rate depends on the Autonomous Community and the type of property.

H2 · Tips

• Keep a generous contingency fund.

• Ask the agent for a preliminary estimate of taxes and costs.

• Review the community budget and possible special assessments.