Purchase Costs in Andalucía (2026)

Resale Property Costs (Previously Owned Homes)

When purchasing a resale property in Andalucía, the main tax is ITP — Impuesto de Transmisiones Patrimoniales. Since 2021, Andalucía has applied a single flat rate, regardless of property value.

Alongside ITP, buyers should allow for standard legal and registration costs. In practical terms, most resale purchases work out at around 10% of the agreed price all-in.

• ITP (Transfer Tax): 7% of the purchase price
• Notary & Land Registry: typically €1,200–€2,000 combined
• Legal fees: usually around 1% + VAT (21%)
• Mortgage-related costs (if applicable): valuation and bank fees of €800–€1,500

For cash buyers, costs tend to sit at the lower end of this range.

New-Build Property Costs (Buying from a Developer)

New-build properties are taxed differently. Instead of ITP, buyers pay IVA (VAT), plus a smaller stamp duty known as AJD.

In Andalucía, total purchase costs on a new build typically come in slightly higher than resale properties, averaging around 12–13% of the purchase price.

• IVA (VAT): 10% of the purchase price (21% only for commercial units)
• AJD (Stamp Duty): approximately 1.2%
• Notary & Land Registry: usually €1,500–€2,500
• Legal fees: typically around 1% + VAT

For off-plan purchases, your lawyer will also confirm that mandatory bank guarantees are in place for any staged payments.

Other Typical Expenses to Allow For

In addition to taxes and legal fees, there are a handful of smaller administrative costs that most buyers encounter. These are modest individually, but worth factoring in from the outset.

• Power of Attorney: around €100–€200 if you authorise your lawyer to act for you
• NIE number: €12 official fee, or €100–€150 if handled professionally
• Bank account setup & document handling: typically €100–€300
• Currency exchange: costs vary — specialist FX providers usually offer better rates than high-street banks

Worked Cost Example (2026)

To put the numbers into context, here’s an illustrative example based on a €500,000 purchase in Andalucía.

Practical Budgeting Tips

As a general rule, buyers are best served by budgeting conservatively. Allowing a small buffer avoids stress later and ensures your lawyer can act decisively on your behalf.

• Round up to 10% for resale purchases and 13% for new builds
• Keep invoices and transfer receipts — they matter when you sell
• Confirm all figures shortly before signing, as rates can change

Figures are correct as of early 2026. Taxes and fees should always be verified at the time of purchase.

Download Fee & Cost Cheat Sheet (PDF)