{"id":107052,"date":"2026-01-22T09:44:45","date_gmt":"2026-01-22T09:44:45","guid":{"rendered":"https:\/\/esentyaestate.com\/?p=107052"},"modified":"2026-01-22T09:54:58","modified_gmt":"2026-01-22T09:54:58","slug":"costs-and-taxes-when-buying-a-property-2026","status":"publish","type":"post","link":"https:\/\/esentyaestate.com\/de\/blog\/costs-and-taxes-when-buying-a-property-2026\/","title":{"rendered":"Costs and taxes when buying a property in 2026"},"content":{"rendered":"

Buying a property in Spain in 2026 involves more than just paying the purchase price. Costs and taxes when buying a property<\/strong> in 2026 are a key factor that every buyer, especially international buyers, should understand before moving forward.<\/p>\n

In areas such as the Costa Blanca and the Costa C\u00e1lida<\/strong>, where many buyers purchase a home as a main residence or a second home, these additional costs often raise questions. Planning ahead is therefore essential to avoid unexpected expenses.<\/p>\n

As a general rule, experts recommend having additional savings of around 10% to 12% of the property price<\/strong>, specifically to cover taxes and purchase-related costs.<\/p>\n

What costs are involved when buying a property?<\/h2>\n

These are the mandatory costs<\/strong> you should expect in 2026 when buying a new or resale property in Spain.<\/p>\n

Notary fees<\/h3>\n

The purchase deed must be signed before a notary. Notary fees are regulated by the Spanish state and depend on the value of the property.<\/p>\n

    \n
  • \n

    Approximate cost: between 0.2% and 0.5%<\/strong> of the purchase price<\/p>\n<\/li>\n

  • \n

    Typical amount: between \u20ac600 and \u20ac875<\/strong><\/p>\n<\/li>\n<\/ul>\n

    Land Registry fees<\/h3>\n

    Once the deed has been signed, the property must be registered at the Land Registry so the buyer is officially recorded as the legal owner.<\/p>\n

      \n
    • \n

      Approximate cost: between 0.1% and 0.25%<\/strong> of the property price<\/p>\n<\/li>\n

    • \n

      Typical amount: between \u20ac400 and \u20ac650<\/strong><\/p>\n<\/li>\n<\/ul>\n

      Conveyancing \/ gestor\u00eda fees (optional)<\/h3>\n

      A gestor\u00eda or conveyancing service handles tax payments and administrative paperwork. It is not mandatory if you buy without a mortgage, but it is common when a bank is involved.<\/p>\n

        \n
      • \n

        Estimated cost: around \u20ac300<\/strong><\/p>\n<\/li>\n<\/ul>\n

        Taxes when buying a property in 2026<\/h2>\n

        The tax burden depends on whether the property is new-build or resale<\/strong>, and on the autonomous region where it is located.<\/p>\n

        Taxes on new-build properties<\/h3>\n
          \n
        • \n

          VAT (IVA)<\/strong>: 10% of the declared purchase price
          (4% in certain cases of protected housing)<\/p>\n<\/li>\n

        • \n

          Stamp Duty (AJD)<\/strong>: varies by region
          In the Valencian Community and the Region of Murcia, it usually ranges between 0.5% and 1.5%<\/strong><\/p>\n<\/li>\n<\/ul>\n

          Taxes on resale properties<\/h3>\n
            \n
          • \n

            Property Transfer Tax (ITP)<\/strong>
            In 2026, the general rate usually ranges between 6% and 10%<\/strong>, depending on the region.<\/p>\n<\/li>\n<\/ul>\n

            In the Valencian Community and Murcia<\/strong>, reduced rates may apply for:<\/p>\n

              \n
            • \n

              young buyers<\/p>\n<\/li>\n

            • \n

              large families<\/p>\n<\/li>\n

            • \n

              people with disabilities<\/p>\n<\/li>\n

            • \n

              primary residence purchases under certain conditions<\/p>\n<\/li>\n<\/ul>\n

              Additional costs if you need a mortgage<\/h2>\n

              If you require financing, some extra costs must be taken into account.<\/p>\n

              Property valuation<\/h3>\n

              Banks require an official valuation before approving a mortgage.<\/p>\n

                \n
              • \n

                Estimated cost in 2026: between \u20ac250 and \u20ac600<\/strong><\/p>\n<\/li>\n

              • \n

                Validity: 6 months<\/strong><\/p>\n<\/li>\n<\/ul>\n

                Mortgage arrangement fee<\/h3>\n

                Some lenders charge an arrangement or opening fee, which can be up to 2% of the loan amount<\/strong>, although this is becoming less common. It must be clearly stated in the binding offer.<\/p>\n

                Estate agency fees<\/h3>\n

                In certain transactions, especially when using a property finder or personal shopper service<\/strong>, professional fees may apply. The percentage depends on the service provided and the local market.<\/p>\n

                How are purchase costs paid?<\/h2>\n

                With a conveyancing service<\/h3>\n

                The conveyancer requests a provision of funds<\/strong> before completion. This amount is used to pay notary fees, land registry fees and taxes.<\/p>\n

                If there is any surplus, it is refunded to the buyer. If additional funds are needed, the buyer is asked to top up the difference.<\/p>\n

                Without a conveyancing service<\/h3>\n

                If the buyer handles the process directly, payments are made as follows:<\/p>\n

                  \n
                • \n

                  Notary and land registry fees at the time of signing<\/p>\n<\/li>\n

                • \n

                  VAT or IGIC paid to the seller (new-build property)<\/p>\n<\/li>\n

                • \n

                  ITP or AJD paid to the regional tax authority<\/p>\n<\/li>\n<\/ul>\n

                  How much are the total purchase costs?<\/h2>\n

                  In general terms, costs and taxes when buying a property<\/strong> amount to around 10% to 12% of the purchase price<\/strong>.<\/p>\n

                  Example (property priced at \u20ac200,000 on the Costa Blanca)<\/h3>\n

                  New-build property<\/strong><\/p>\n

                    \n
                  • \n

                    Notary: \u20ac1,000<\/p>\n<\/li>\n

                  • \n

                    Land Registry: \u20ac500<\/p>\n<\/li>\n

                  • \n

                    Conveyancing: \u20ac300<\/p>\n<\/li>\n

                  • \n

                    VAT (10%): \u20ac20,000<\/p>\n<\/li>\n

                  • \n

                    AJD (approx. 1%): \u20ac2,000
                    Approximate total<\/strong>: \u20ac23,800<\/strong><\/p>\n<\/li>\n<\/ul>\n

                    Resale property<\/strong><\/p>\n

                      \n
                    • \n

                      Notary: \u20ac1,000<\/p>\n<\/li>\n

                    • \n

                      Land Registry: \u20ac500<\/p>\n<\/li>\n

                    • \n

                      Conveyancing: \u20ac300<\/p>\n<\/li>\n

                    • \n

                      ITP (approx. 8%): \u20ac16,000
                      Approximate total<\/strong>: \u20ac17,800<\/strong><\/p>\n<\/li>\n<\/ul>\n

                      Figures may vary depending on the municipality and the buyer\u2019s personal circumstances.<\/p>\n

                      The cadastral reference value<\/h2>\n

                      Since 2022, the cadastral reference value<\/strong> has been in force and is used as the tax base for taxes such as ITP and AJD.<\/p>\n

                      This means:<\/p>\n

                        \n
                      • \n

                        If the declared purchase price is lower than the reference value<\/strong>, taxes will be calculated based on the cadastral value<\/p>\n<\/li>\n

                      • \n

                        If the declared price is higher<\/strong>, the declared price will be used<\/p>\n<\/li>\n<\/ul>\n

                        This is particularly relevant in high-demand areas such as the Costa Blanca.<\/p>\n

                        How to reduce purchase costs<\/h2>\n
                          \n
                        • \n

                          Check whether you qualify for reduced ITP or AJD rates<\/strong><\/p>\n<\/li>\n

                        • \n

                          Request quotes from different notaries (they may apply discounts of up to 10%<\/strong>)<\/p>\n<\/li>\n

                        • \n

                          If buying without a mortgage, you may avoid conveyancing fees<\/p>\n<\/li>\n

                        • \n

                          Plan the purchase with professional advice from the outset<\/p>\n<\/li>\n<\/ul>\n

                          Conclusion<\/h2>\n

                          Understanding costs and taxes when buying a property in 2026<\/strong> is essential to buying safely and avoiding unexpected expenses. Good planning makes a real difference, especially for international buyers.<\/p>\n

                          At Esentya Estate<\/strong>, we help international buyers invest safely in the Costa Blanca and the Costa C\u00e1lida<\/strong>, guiding them through the entire purchase process with transparency and confidence.<\/p>\n

                          Sources:<\/strong> Spanish Tax Agency, Cadastre, current regional regulations<\/p>","protected":false},"excerpt":{"rendered":"

                          Buying a property in Spain in 2026 involves more than just paying the purchase price. Costs and taxes when buying a property in 2026 are a key factor that every buyer, especially international buyers, should understand before moving forward. In areas such as the Costa Blanca and the Costa C\u00e1lida, where many buyers purchase a home as a main residence or a second home, …<\/p>","protected":false},"author":1,"featured_media":107054,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[262],"tags":[],"class_list":["post-107052","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/posts\/107052","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/comments?post=107052"}],"version-history":[{"count":0,"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/posts\/107052\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/media\/107054"}],"wp:attachment":[{"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/media?parent=107052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/categories?post=107052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/esentyaestate.com\/de\/wp-json\/wp\/v2\/tags?post=107052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}