Netherlands Property ROI Calculator

Overdrachtsbelasting (Transfer Tax) in Netherlands is a flat rate of 8.0% of the purchase price. National transfer tax on property purchases. Investor rate is 8% in 2026 (reduced from 10.4%). Owner-occupiers pay 2%. Qualifying first-time buyers pay 0% up to EUR 555,000; above that cap this calculator uses 2%. Commercial property remains at 10.4%. No foreign buyer surcharges.

When purchasing property in Netherlands, typical closing costs include: Notary — Transfer Deed (Leveringsakte), Land Registry — Transfer (Kadaster), Property Valuation (Taxatierapport), Notary — Mortgage Deed (Hypotheekakte), Land Registry — Mortgage (Kadaster), Mortgage Advisor (Hypotheekadviseur). These are paid by the buyer at or before completion, in addition to the purchase price and Overdrachtsbelasting (Transfer Tax).

Ongoing costs for property owners in Netherlands typically include: Property Tax (OZB), Water Board Tax (Waterschapsbelasting), Waste Tax (Afvalstoffenheffing), Box 3 Wealth Tax (Vermogensbelasting), Building Insurance (Opstalverzekering), Maintenance Reserve. These are annual costs that should be factored into your rental yield and cash flow calculations.

Netherlands does not currently charge capital gains tax on property sales.