Real estate lawyers in Malaga

Book your consultation

Spanish Property Purchase Cost Calculator

Property purchase cost calculator · Free tool

A free property purchase cost calculator with the official 2026 rates for Andalucía — know your taxes and fees before you fall in love with a home, from the lawyers who close these purchases every week.

Official 2026 ratesInstant result — no sign-upFuengirola · Málaga · Marbella

What does it really cost to buy a home in Andalucía?

Purchase taxes and fees, estimated in 10 seconds. Official 2026 rates for Andalucía.

Estimated total on top of the price—

Get the exact figures for your purchase →

What the property purchase cost calculator includes — and what can change it

This property purchase cost calculator uses the official rates for Andalucía: 7% transfer tax (ITP) for resale homes, and 10% VAT plus 1.2% stamp duty (AJD) for new builds bought from a developer, plus orientative notary and registry ranges. The final figures of a real purchase depend on details the calculator cannot see: reduced rates you may qualify for, the reference value of the property, how the deed is structured, or the guarantees behind an off-plan payment plan. That is exactly the work of a lawyer — before you sign anything, ask us to confirm your exact numbers, or learn more about taxes for non-residents in Spain and our property lawyers in Marbella.

The results are an orientative estimate for Andalucía and do not constitute legal or tax advice. Mortgage costs are not included, and the legal fees shown are an estimate — every case receives a fixed written quote before any commitment.

Property purchase cost calculator — frequently asked questions

How much are the total costs of buying a property in Andalucía?
As a rule of thumb, allow roughly 8.5%–10.5% on top of the price for a resale property (7% transfer tax, notary and registry fees, and estimated legal fees) and around 13% for a new build (10% VAT, 1.2% stamp duty, notary and registry, and estimated legal fees). The calculator above gives you the figure for your specific price. Mortgage costs are separate.
What is ITP and when do I have to pay it?
ITP (Impuesto de Transmisiones Patrimoniales) is the transfer tax on resale property — a flat 7% in Andalucía, paid by the buyer within 30 working days of signing the deed. Since 2022 it is charged on the official “reference value” if that is higher than the price you pay — one of the checks our real estate lawyers run before you commit.
Do I pay more taxes if I buy as a non-resident?
No — purchase taxes are the same for residents and non-residents. The differences come after completion: as a non-resident owner you file an annual Modelo 210 non-resident tax return, even if you never rent the property out.
What is the 3% retention I keep hearing about?
It applies when you buy from a non-resident seller: the law requires you, the buyer, to withhold 3% of the price and pay it to the Spanish tax office (Modelo 211) within one month of the deed. It is not an extra cost — it comes out of the price — but filing it correctly is your legal obligation as the buyer, and mistakes are expensive. We handle it as part of every purchase.
Does the calculator include lawyer’s fees or mortgage costs?
It includes an estimate of the legal fees — around 1% of the price, the market standard (minimum approx. €2,000, plus VAT) — because we believe you should see every cost from the start. Every transaction is different, so contact us and you will receive a fixed written quote before you commit. Mortgage-related costs are not included, as they depend on your bank and loan.

Ready for the exact numbers?

First consultation free, a fixed written quote, and answers in your own language.

Book your free consultation →