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On top of the price of a resale home in Andalusia, plan for about 9% more in costs. Most of that is tax. This guide lists each cost and works through an example with a €300,000 home.

The transfer tax is the big one

The biggest cost on a resale home is the transfer tax, called ITP. In Andalusia it is a flat 7% of the price, in every town. On a €300,000 home that is €21,000.

Some buyers pay less, but only in specific cases. The rate is 6% if the home will be your main residence and is worth €150,000 or less. It is 3.5% if you are under 35 and buying a main home worth up to €150,000, or if you are a large family or have a disability and the home is worth up to €250,000.

New builds are taxed differently

A new home bought from a developer has no ITP. Instead you pay VAT, normally 10%, plus a stamp duty on the deed called AJD, which is 1.2% in Andalusia. On €300,000 plus VAT that is €30,000 of VAT and €3,600 of AJD: 11.2% on top of the price, against 7% for a resale. Many developers quote prices with VAT already included, so check which kind of price you are looking at before you compare.

The smaller costs at signing

You sign the purchase in front of a notary, a public official who checks the title, any debts and the paperwork. For a €300,000 home the notary's fee is usually around €1,000. Recording the deed at the land registry costs a few hundred euros more. We also recommend your own lawyer. Lawyers usually charge about 1% of the price plus 21% VAT, which is €3,630 on €300,000. Ask for a fixed fee in writing.

You also need an NIE, the Spanish tax number for foreigners. The fee is very small, but appointments take time, so start early.

A mortgage adds its own costs. The bank charges for a valuation, an arrangement fee and the mortgage deed, and the loan itself pays AJD at 1.2% of its value: €2,400 on a €200,000 loan. Allow roughly €1,000 to €2,000 for the bank's costs. Our حاسبة التمويل العقاري shows the monthly payment before you talk to a bank.

The worked example: a €300,000 resale

Here are the costs for a €300,000 resale home bought without a mortgage. The loan costs are shown below the total. The tax lines are fixed by law. The notary, lawyer and admin lines are our estimates and depend on who you use.

Plan to pay these costs from your own savings. Banks usually lend against the price or the valuation, not against the costs.

What it costs to keep the home each year

Every year you pay IBI, the local property tax, to the town hall. It is based on the cadastral value, an official value that is often well below the price, and each town sets its own rate. As an example, a cadastral value of €150,000 at 0.6% gives €900 a year. Ask the seller for the last bill to see the real amount.

In a development you also pay community fees for shared things like the lift, pool and gardens. They vary a lot between developments. Ask the seller for the last twelve months of accounts, and ask whether a large repair is planned, because that is where surprises usually come from.

If you do not live in Spain and do not rent the home out, you still pay a small yearly income tax on it, on a form called Modelo 210. Spain treats the home as if it earned 1.1% of its cadastral value (2% if that value has not been updated in the last ten years). EU and EEA residents pay 19% of that amount, and everyone else 24%. On a cadastral value of €120,000 the tax is €250.80 at 19% or €316.80 at 24%. It comes every year, so put it in the diary.

You can know every one of these costs before you sign. For prices, read our property prices for 2026 guide, and for monthly spending, our cost of living on the Costa Tropical article.