Property purchase cost calculator

Transfer Tax Calculator

Calculate Imposta di Registro (Registration Tax) and closing costs for property in Italy.

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Financing method

Registration tax for second-home / investment-style resale purchases from a private seller (Imposta di Registro). Statutory headline rates differ from prima casa: second-home-style transfers often use 9% of cadastral value; prima casa can qualify for a reduced proportional rate under conditions — not split out here. The cadastral base is typically 25-40% of market value, so an effective burden of roughly 2-4% of the purchase price is common. We apply a flat approximate rate to the purchase price; January 2025 updates (DL 139/2024) emphasise aligning declared price with cadastral value (“price-value”) — use notary figures for binding budgets. Minimum tax is enforced at EUR 1,000. Buying new from a developer is a VAT path (often 10% on residential standard categories, or 22% luxury) instead of this registration stack — select costs manually if needed.

Imposta di Registro (Registration Tax) is a flat rate of 3.00% of the purchase price.

Beyond Imposta di Registro (Registration Tax), buyers typically pay the following fees when purchasing property in Italy. These are included in the calculator above.

Notary Fees (Rogito)

Mandatory notary fees for certifying the purchase deed. Typically 1-2.5% of the declared value + 22% VAT on the fee. Minimum around EUR 1,500-3,000.

Imposta Ipotecaria (Mortgage Tax)

Fixed EUR 50 mortgage/hypothecary tax when buying from a private seller. EUR 200 when buying from a developer (VAT regime).

Imposta Catastale (Cadastral Tax)

Fixed EUR 50 cadastral tax when buying from a private seller. EUR 200 when buying from a developer (VAT regime).

Lawyer Fees (Avvocato)

Legal representation for the buyer. Not legally mandatory but strongly recommended, especially for foreign buyers. Typically EUR 1,000-3,000.

Administrative & Stamp Fees

Title searches, cadastral updates, stamps, and other administrative costs. Typically EUR 300-600.

Mortgage Imposta Sostitutiva

Substitute tax on the mortgage loan: 2% of loan amount for second/investment properties (0.25% for primary residence).

Only applies when financing with a mortgage.

Property Valuation (Perizia)

Independent property valuation required by the bank for mortgage approval. Typically EUR 300-600.

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