What does it cost to buy property in Spain?
The listing fee is commonly seller-paid, but buyer representation and regional practices vary. If you hire an agency, check your agreed fee and any separate buyer/seller mandates; no national 50/50 split is assumed.
Regional choices: Andalucia · Aragon · Asturias · Balearic Islands · Basque Country · Canary Islands · Cantabria · Castilla-La Mancha · Castilla y Leon · Catalonia · Extremadura · Galicia · La Rioja · Madrid · Murcia · Navarra · Valencia. The example below uses Andalucia.
Calculate my property costsExample: €500,000 resale purchase
| Fee | Indicative amount | Evidence |
|---|---|---|
| Transfer tax (ITP) · Andalucia Standard rate; reduced rates and taxable reference-value adjustments excluded. | €35,000 | verified 2026-10-13 Source |
| Notary fees Official scale, price-dependent. | €500 – €2,500 | verified 2026-10-13 |
| Land registry | €500 – €1,250 | verified 2026-10-13 |
| Independent lawyer Strongly recommended for foreign buyers. | €4,840 – €7,260 | estimate 2026-10-13 |
| Buyer's agent (search & negotiation) The listing fee is commonly seller-paid, but buyer representation and regional practices vary. If you hire an agency, check your agreed fee and any separate buyer/seller mandates; no national 50/50 split is assumed. | €12,100 – €18,150 Only if owed under your agreement | estimate 2026-10-14 Source |
| NIE number and translations For foreign buyers. | €150 – €500 | estimate 2026-10-13 |
| Building survey | €0 – €1,210 | estimate 2026-10-13 |
| Home insurance · first year Indicative €150–€600 annual budget for standard apartments/houses, included in both route totals. Property type, rebuild value, contents and cover affect price; high-value, coastal or holiday homes may cost more. Not a quote or mandatory cash-purchase tax. | €150 – €600 | estimate 2026-10-13 Source |
Common questions
Who pays the estate agency?
The listing fee is commonly seller-paid, but buyer representation and regional practices vary. If you hire an agency, check your agreed fee and any separate buyer/seller mandates; no national 50/50 split is assumed.
Can the fees differ locally?
Yes. Choose the actual region in the calculator and check reduced-rate eligibility and taxable valuations with your adviser.
Are mortgages or insurance included?
Financing is separate. First-year home insurance is included only where a sourced estimate is available; otherwise a quote is needed. Personal gains taxes, special exemptions and unknown commission are not complete estimates.
Does the IIPE route guarantee a saving?
No. Taxes and required costs remain payable. Only your avoidable, separately agreed agency fee can be compared with IIPE services, assuming the same property price and outcome. An existing mandate may still require payment.