Property purchase cost calculator
ITP Calculator
Calculate ITP (Impuesto sobre Transmisiones Patrimoniales) and closing costs for property in Spain.
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Select your region for accurate ITP. Our estimate uses the purchase price you enter. Default path is investment / second-home ITP; Andalucía and País Vasco primary-residence reliefs are available via buyer profile.
ITP (Impuesto sobre Transmisiones Patrimoniales) (Investment) is a flat rate of 7.00% of the purchase price.
Andalucía primary
Andalucía grants a reduced 6% ITP when the property is your primary residence (*vivienda habitual*) and the value does not exceed €150,000 (Ley 5/2021, maintained in 2026 commentary).
Above €150,000, the standard 7% Andalucía rate applies for this relief path.
Habitual residence designation and cadastral value rules apply — confirm with your gestoría or Agencia Tributaria Andaluza before completion.
Select Andalucía primary in the buyer type dropdown above .
Basque habitual
The Basque foral system offers a super-reduced 2.5% ITP on qualifying primary residences (*vivienda habitual*) — commonly cited for buyers under 35, large families, and other protected groups.
Without that relief, standard residential ITP in País Vasco is 4%.
Habitual use, surface caps, and diputación foral conditions apply — verify before completion.
Select Basque habitual in the buyer type dropdown above .
Other reliefs
Not included in calculatorAndalucía (under 35): an additional 3.5% habitual-residence rate under €150,000 is sometimes available for qualifying young buyers — not included in our estimate.
Galicia: reduced ITP cited for buyers under 35 on qualifying habitual residences — confirm current Xunta bands.
Cantabria: a 7% primary-residence rate under €300,000 is referenced in 2026 reforms — confirm before completion.
Navarra: a 5% rate is sometimes cited for properties under €180,000 — confirm with Hacienda Foral.
Valencia: concessions for large families and disabled buyers — confirm Consell / DOGV tariffs for your deed date.
Limitations & caveats
- This estimate uses your entered purchase price, not the cadastral reference value.
- New-build (obra nueva) uses the IVA + AJD path, not ITP.
- Additional regional reliefs may apply — see the country guide for reference-only profiles.
Rates vary by region
Spain has 17 regions with different ITP (Impuesto sobre Transmisiones Patrimoniales) rates. Select your region in the calculator above for accurate results.
Beyond ITP (Impuesto sobre Transmisiones Patrimoniales), buyers typically pay the following fees when purchasing property in Spain. These are included in the calculator above.
Notary Fee (Notaría)
Fee for the notary who certifies the deed of sale (escritura pública). Notary fees in Spain are regulated by law and scale with property value. Typically 0.3-0.5% of the purchase price (EUR 600-1,500).
Land Registry (Registro de la Propiedad)
Fee for registering the property transfer with the Land Registry. Regulated fees that scale with property value. Typically 0.1-0.2% (EUR 400-1,000).
Gestoría (Tax Agent / Admin)
Administrative agent who handles tax filings, registration, and paperwork on your behalf. Not legally required but widely used. Typically EUR 300-600.
Lawyer Fee (Abogado)
Independent legal advice for the buyer — contract review, due diligence, due diligence on the property (nota simple, debts, charges). Strongly recommended, especially for foreign buyers. Typically 1% of purchase price + 21% IVA, minimum EUR 1,500.
Property Valuation (Tasación)
Independent property valuation required by the bank for mortgage approval. Typically EUR 250-600 depending on property value and location.
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