Buying a €200,000 resale home in Spain costs, on top of the price, about €13,283 in Madrid (6.64%) and about €21,283 in Catalonia (10.64%), without a mortgage or reduced rates. Almost all of it is the property transfer tax (ITP, impuesto de transmisiones patrimoniales), which each region sets; the notary, the land registry and the agency add up to about €1,300.
Purchase costs are not financed: you pay them from savings, together with the down payment. If you plan to let the property, add them to the investment in the rental yield calculator, and if you need a mortgage, check how much you could borrow with the mortgage affordability calculator.
What costs are there when buying a resale home?
- ITP: the property transfer tax. The buyer pays it, and it is calculated on the price or, in the common-regime regions, on the Cadastre reference value (valor de referencia) if that is higher. It is the big item: between 4% and 13% depending on the region and the price (an effective 3% in Ceuta and Melilla).
- Notary: the purchase deed (escritura de compraventa), under the official notary fee scale. Article 1455 of the Civil Code charges the deed to the seller and the first copy to the buyer unless agreed otherwise; in practice the buyer commonly pays all of it, and that is how the simulator counts it.
- Land Registry (Registro de la Propiedad): registering the property in your name, also under an official fee scale.
- Agency (gestoría): files the tax and takes the deed to the registry. It is optional if there is no mortgage and has no official fee.
- Valuation (tasación): only if you take out a mortgage. The other mortgage costs (notary, registry, agency and the AJD on the loan) are paid by the bank since Ley 5/2019 and Royal Decree-law 17/2018.
The seller pays the municipal capital gains tax (plusvalía municipal) and, where applicable, the cancellation of their mortgage. They are not in the simulator because the buyer does not pay them.
How much is ITP in each Spanish region in 2026?
General rates for buying a resale home, the most common reduced rates and AJD (stamp duty) on new homes. Each reduction has age, value, income or wealth requirements: the simulator shows them when you choose the region.
| Region | General ITP | Main reduced rates | AJD (new build) |
|---|---|---|---|
| Andalucía | 7% | 6% main home ≤€150,000; 3.5% under 35 (≤€150,000) and large families (≤€250,000) | 1.2% |
| Aragón | 8% up to €400,000, then in brackets up to 10% | 12.5% tax credit under 35 (≤€100,000); 50% for large families meeting the requirements | 1.5% |
| Principado de Asturias | 8% up to €300,000; 9% up to €500,000; 10% above (on the whole value) | 4% (≤€150,000) or 6% for young buyers up to 35 and large families | 1.2% |
| Illes Balears | 8% up to €400,000, then in brackets up to 13% | 4% main home ≤€270,151.20; 2% under 36 and large families | 1.5% |
| Canarias | 6.5% | 5% main home ≤€200,000; 4% up to 40; 1% large families | 0.75% |
| Cantabria | 9% | main home 7% up to €300,000; 4% under 40 and large families | 1.5% |
| Castilla-La Mancha | 9% | 6% first main home ≤€240,000 with a mortgage >50%; 3% under 36; 5% large families | 1.5% |
| Castilla y León | 8% up to €250,000; 10% on the excess | 4% under 36 and large families (with an income limit) | 1.5% |
| Cataluña | 10% up to €600,000; 11%, 12% and 13% in brackets | 5% up to 35 and large families (with an income limit) | 1.5% |
| Ceuta | 6% with a 50% tax credit (3% effective) | — | 0.5% with a 50% tax credit |
| Comunitat Valenciana | 9% (11% if the value exceeds €1,000,000) | 6% or 8% under 35; 3% or 4% large families (with an income limit) | 1.4% |
| Extremadura | 8% up to €360,000; 10% and 11% in brackets | 7% main home ≤€200,000; 4% under 36 and large families (with an income limit) | 1.5% |
| Galicia | 8% | 7% main home (wealth limit); 3% under 36 and large families | 1.5% |
| La Rioja | 7% | 4% under 40 (first home); 5% large families | 1% |
| Comunidad de Madrid | 6% | 10% tax credit for a main home ≤€250,000; 4% large families | 0.4% (≤€120,000), 0.5% (≤€180,000) or 0.75% |
| Melilla | 6% with a 50% tax credit (3% effective) | — | 0.5% with a 50% tax credit |
| Región de Murcia | 7.75% | 3% up to 40 and large families (with an income limit) | 1.5% |
| Comunidad Foral de Navarra | 6% | 5% (first €180,304) families with two or more children | 0.5% |
| Álava (Araba) | 4% (6% if the buyer owns more than 5 homes) | 2.5% main home ≤120 m² or large families; 1.5% in rural settlements | 0.5% |
| Bizkaia | 4% (6% if the buyer owns more than 5 homes) | 2.5% main home ≤120 m² or large families | 0.5% |
| Gipuzkoa | 4% (6% if the buyer owns more than 5 homes) | 2.5% main home ≤120 m² or large families | 0.5% |
Sources: Ministry of Finance, «Tributación autonómica. Medidas 2026» (regional taxation, 2026 measures), chapter IV (updated 23/09/2026) for the common-regime regions; the foral laws (normas forales) of Álava, Bizkaia and Gipuzkoa and Navarre's consolidated text; the ITPAJD Act for Ceuta and Melilla. Reviewed on 07/10/2026. Each region's source appears in step 04.
Example: a €200,000 resale home in Madrid and in Catalonia
Purchase without reduced rates (not a main home, or the requirements are not met), with an agency:
| Item | Madrid | Catalonia |
|---|---|---|
| ITP (6% in Madrid; 10% in Catalonia) | €12,000.00 | €20,000.00 |
| Notary (fee scale + pages and copies + VAT) | €590.13 | €590.13 |
| Land registry (fee scale + filing and notes + VAT) | €239.47 | €239.47 |
| Agency (average estimate incl. VAT) | €453.75 | €453.75 |
| Total without a mortgage | €13,283.35 (6.64%) | €21,283.35 (10.64%) |
| With an 80% mortgage: + valuation (estimate) | €400.00 | €400.00 |
| Cash needed with an 80% mortgage (€40,000 down payment + costs) | €53,683.35 | €61,683.35 |
If it were your main home in Madrid, the 10% tax credit (homes up to €250,000) would lower ITP to €10,800. In Catalonia, a buyer aged 35 or under with income up to €36,000 would pay 5%: €10,000.
See the Madrid example See the Catalonia example
How are notary and registry fees calculated?
With the official fee scales, which depend on the value in the deed. The notaries' scale (Royal Decree 1426/1989) charges €90.15 up to €6,010.12 and then 4.5‰, 1.5‰, 1‰, 0.5‰ and 0.3‰ by bracket, with a 5% reduction; the pages of the deed and the copies are added on top. The registrars' scale (Royal Decree 1427/1989) charges €24.04 up to €6,010.12 and then 1.75‰, 1.25‰, 0.75‰, 0.3‰ and 0.2‰, with a maximum of €2,181.67 and the same 5% reduction. Both carry 21% VAT (7% IGIC in the Canary Islands).
For €200,000, the deed fee comes to €340.51 and the registration to €176.90. The actual bill changes with the length of the deed and the copies you ask for, so treat it as an estimate.
What if the home is new?
The first sale of a home by the developer does not pay ITP but 10% VAT (article 91 of the VAT Act) plus AJD on the deed, which each region sets. In the Canary Islands IGIC is paid: 7% general, 5% for a main home up to €200,000 and 3% if the buyer is also 40 or under or a large family, among other cases. In Melilla, 4% IPSI. We could not verify Ceuta's IPSI and the simulator does not add it.