Property purchase cost calculator

Transfer Tax Calculator

Calculate Transfer Tax (FMA) and closing costs for property in Greece.

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Financing method

Investment / non-primary-residence assumption: 3.09% effective transfer tax (3% FMA plus a 3% municipal levy on the main tax, i.e. +0.09 percentage points on the taxable base). Under ΑΑΔΕ rules the taxable base is generally the higher of the declared contract price and the objective (cadastral) value — this calculator uses your entered purchase price only, so align the price with the taxable base you expect. Primary residence (first home) purchases can qualify for a substantial FMA exemption (value caps and conditions — not modelled here yet). New builds may fall under 24% VAT unless suspension/election applies; commentary cites extension through end of 2026 (verify current law). Resale / investment modelling often uses the FMA path.

Transfer Tax (FMA) is a flat rate of 3.09% of the purchase price.

Beyond Transfer Tax (FMA), buyers typically pay the following fees when purchasing property in Greece. These are included in the calculator above.

Notary Fees (Symvolaiografos)

Illustrative average for budgeting: statutory fees follow a sliding scale (~1% up to EUR 120K, ~0.7% for EUR 120K–380K, ~0.65% above EUR 380K) plus 24% VAT on the fee. Actual notary quotes vary.

Lawyer Fees (Dikigoros)

Illustrative average: legal fees often fall around 1–2% of purchase price + 24% VAT (negotiable). Not always legally mandatory but strongly recommended — especially for foreign buyers.

Land Registry / Cadastre Fee

Fee for registering the property transfer with the Ktimatologio (Cadastre) or local Land Registry. Flat rate of 0.475% of the purchase price.

Tax Certificate (Pistopoiitiko ENFIA)

Certificate confirming the seller has paid all ENFIA property tax. Required for the sale to proceed. Typically EUR 50-100.

Energy Performance Certificate

Mandatory energy audit certificate required for all property sales. Typically EUR 150-400 depending on property size.

Mortgage Registration Fee

Fee for registering the mortgage with the Land Registry. Typically ~0.5% of the mortgage amount.

Only applies when financing with a mortgage.

Property Valuation

Independent property valuation required by the bank for mortgage approval. Typically EUR 200-400.

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