Costs, taxes and fees when buying in Andalusia

Beyond the property price, taxes and fees await you. We’ve prepared an overview of how they look for a resale and a new build, plus a calculator that estimates your total budget to the euro.

Updated June 2026

Cost calculator

Calculate the total budget of your purchase

Property type

Property price €

100 000 €3 000 000 €

Total budget Price + taxes and fees

extra

Cost breakdown

Indicative figures for Andalusia (2026)

Property price

You pay in total

Rates are indicative for the Andalusia region. The transfer tax ITP is 7% in Andalusia; on a new build you pay 10% VAT and the AJD stamp duty of 1.2%. We prepare exact figures tailored to each property.

Comparison

Resale versus new build

Resale

Resale flats and houses

Transfer tax (ITP) · Andalusia, 7% 7 %

Notary · escritura 0.4 %

Land-registry registration · registro 0.3 %

Lawyer · legal oversight 1 %

Total costs ≈ 8.7 %

New build

Directly from the developer

VAT (IVA) · new build, 10% 10 %

Stamp duty (AJD) · Andalusia, 1.2% 1.2 %

Notary · escritura 0.4 %

Land-registry registration · registro 0.3 %

Lawyer · legal oversight 1 %

Total costs ≈ 12.9 %

After the purchase

Annual ownership costs

Owning a property carries low but regular costs. Here are the main ones we factor into your budget.

~0.4–1.1% Property tax (IBI)

Local annual tax based on the cadastral value.

€150–600 Community (comunidad)

For flats and residences — pool, garden, maintenance.

€200–500 Utilities and water

Basic charges even with occasional use.

from ~0.5% Non-resident tax

On imputed income or on rental.

Want exact figures for a specific listing?

Send us the property that caught your eye and we’ll prepare an exact budget including taxes, fees and any mortgage.

Request a budget Read the buying guide