Buying, owning, or renovating property in Spain involves a set of costs that are easy to underestimate. These tools give you a clear picture of what to expect — based on current rates and local market experience — so you can plan before decisions are made.
How much does buying a property in Catalonia cost beyond the asking price — transfer tax, notary, legal fees and more.
Open →What does it cost to own a property in Spain each year — IBI, non-resident income tax, insurance and utilities.
Open →How much transfer tax do you pay on a resale property in Catalonia, based on the 2025 progressive scale.
Open →How much of your own money do you typically need to buy a property in Spain, across common financing scenarios.
Open →The documents a non-resident needs for a Spanish mortgage application, grouped into a printable checklist you can work through and tick off.
Open checklist →The points where non-resident buyers lose money or time when buying in Spain — from before the offer through to after the notary.
Open checklist →Official rates are taken directly from published legislation. Indicative market figures are ranges based on market experience — not an officially fixed rate.
Decret llei 5/2025 · Agència Tributària de Catalunya (ATC)
| Purchase price range | Marginal rate |
|---|---|
| Up to €600,000 | 10% |
| €600,000 – €900,000 | 11% |
| €900,000 – €1,500,000 | 12% |
| Above €1,500,000 | 13% |
Progressive per bracket: the higher rate applies only to the portion of the price above the threshold.
ATC tarifa AJ4 · Agència Tributària de Catalunya
1.5% of the purchase price
Applies to new-build purchases. Replaces ITP — not in addition to it.
Agencia Tributaria · art. 25 LIRNR (Ley 41/1998)
| Situation | Tax base | Rate |
|---|---|---|
| Cadastral value recently revised | 1.1% of cadastral value | — |
| Cadastral value not recently revised | 2% of cadastral value | — |
| EU/EEA owners | — | 19% |
| Non-EU owners (incl. UK) | — | 24% |
Required every year, even if the property is empty. File through a Spanish tax advisor.
Not an official rate · Based on RD 1426/1989 and RD 1427/1989 · Conservative market estimate
| Purchase price range | Notary | Property registry |
|---|---|---|
| Up to €400,000 | €900 | €600 |
| €400,000 – €600,000 | €1,200 | €750 |
| €600,000 – €900,000 | €1,600 | €950 |
| Above €900,000 | €2,000 | €1,200 |
Notary and registry fees depend on the deed, the property value and the specific registry. These figures are indicative — not a fixed or guaranteed rate.
No official rate · Typical market range
Approx. 0.5–1.2% of the purchase price incl. VAT
Varies by complexity of the case and law firm. Our calculator uses a midpoint of 0.85%, with a minimum fee of approx. €1,815.
