🏡 HOW MUCH DOES IT REALLY COST TO BUY PROPERTY IN SPAIN? (2026)
- Ewa Bochenko
- 5 hours ago
- 2 min read
Full calculation + real costs that few people talk about
Buying a property in Spain is a dream for many people… but most make one basic mistake:
👉 only looks at the price of the property.
And the truth is that the real purchase cost is about 10%–13% higher.
In this article I will show you exactly:
how much will you really pay
what are the mandatory costs
Where can you overpay (and how to avoid it)
1. TAXES – THE BIGGEST COST
This is the most important part of the whole puzzle.
👉 Secondary market (second-hand apartments)
ITP tax : approx. 7% (Andalusia)
👉 Primary market (from developer)
VAT: 10%
AJD: approx. 1.2%
Conclusion: New properties are more expensive from a tax perspective to start with, but they often have greater investment potential.
2. NOTARY AND REGISTER
Every transaction must be:
signed at the notary's
entered in the real estate register
Cost: 👉 approx. 1% of the property price
3. LAWYER – DON'T SAVE HERE
In Spain, a lawyer is not an option. It's fundamental to security.
Deals with:
checking the legal status
real estate debt control
contract analysis
client representation
Cost: 👉 approx. 1% of the property price
4. NUMBER AND FORMALITIES
To buy a property in Spain you need:
NIE number
bank account
power of attorney
5. ADDITIONAL COSTS
Often overlooked, but real:
document translations
administrative fees
possible credit counseling
EXAMPLE – REAL PURCHASE COST
Let's assume you buy a property for: 👉 €300,000
Secondary market:
ITP (7%) → €21,000
notary + register → €3,000
lawyer → €3,000
👉 TOTAL: approx. €327,000
Primary market:
VAT (10%) → €30,000
AJD → 3,600 €
notary + register → €3,000
lawyer → €3,000
👉 TOTAL: approx. €339,000
THE BIGGEST MISTAKES BUYERS MAKE
❌ not taking into account all costs
❌ purchase without a lawyer
❌ decision based on emotions
❌ no location analysis and ROI
SUMMARY
👉 The real cost of purchase in Spain is:
+10% (secondary market)
+12–13% (primary market)
However, a well-executed investment can generate profits from day one.
WANT TO KNOW MORE?
verified offers on the Costa del Sol
location analysis
safe step-by-step purchasing process
👉 See offers tailored to your budget
📩 You will receive 2-3 specific offers tailored to your budget (no spam)
ABOUT US
We are a family business and for years we have been helping clients from Poland safely buy properties in Spain.
👉 We guide you through the entire process:
on the choice of real estate
through legal analysis
until you pick up the keys
📩 Contact us if you want to do it right – stress-free and error-free.
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