The type of property.
On a resale property you pay transfer tax (ITP). On a new home you pay VAT and stamp duty (AJD). They are different taxes, so you cannot compare properties by sale price alone.
The price on the listing is only part of what you will pay. On top of it come taxes, notary and registry fees, and other expenses, and they change depending on the type of property and the region where you buy.
Knowing the full figure before you sign helps you set a realistic budget and compare properties with confidence.
This calculator gives you a first estimate based on the details of your purchase. If you have questions or would like us to look at your case, Sol-4 is a firm of legal and tax advisers in Benijófar (Alicante), on the Costa Blanca, and we can guide you through the whole process.
25 years on the Costa Blanca, since 2001
More than 1,500 transactions guided
We work in English, Spanish and German
Response within 24 hours
Enter the purchase price, the region and the type of property. For a more accurate result, add your situation as a buyer. The calculator shows a breakdown of estimated taxes and fees and the total budget you need.
A resale property of €250,000 in the Valencian Community, with a mortgage.
Estimated total budget (price + costs)
€274,400
Price €250,000Costs €24,400
Depending on your personal situation, a reduced ITP rate may apply. Get in touch and we will review it.
Indicative estimate. It does not replace legal or tax advice.
Note: results are indicative and do not replace legal or tax advice. They are calculated with the usual taxes and fees for each type of purchase, using the rates in force in each region at the calculator's last update date, and may vary depending on your case, current regulations and notary and registry fees. They do not include the cost of owning the property after purchase (IBI property tax, community fees, utilities, insurance). For a calculation adapted to your purchase, get in touch.
These are the items that usually appear in a purchase. The taxes depend on whether the property is a resale or a new home.
| Cost | What it is | When it applies |
|---|---|---|
| Property transfer tax (ITP) | Tax you pay when you buy a resale property. Each region sets its own rate. | Resale property |
| VAT | Tax charged when you buy a new property from the developer or builder. | New home (bought from the developer) |
| Stamp duty (AJD) | Tax paid when the deed for a new property is formalised. The rate also depends on the region. | New home (bought from the developer) |
| Notary fees | Fees for the public deed of sale. | Always |
| Land Registry fees | Cost of registering the property in your name. | Always |
| Valuation (if you take a mortgage) | The property valuation your bank requires to grant the mortgage. The bank pays the rest of the loan costs. | Only if you take a mortgage |
Taxes, notary and registry fees appear in almost every purchase. The valuation is only added if you take a mortgage.
That is why the calculator adds what applies to every purchase and includes the valuation only if you finance, to give you the total budget.
With the same price, two purchases can cost different amounts. There are two main reasons.
On a resale property you pay transfer tax (ITP). On a new home you pay VAT and stamp duty (AJD). They are different taxes, so you cannot compare properties by sale price alone.
ITP and AJD are set by each autonomous community, so the same price can cost a different amount in the Valencian Community than in the Region of Murcia. Some regions also apply special conditions depending on the buyer's profile or how the property will be used. If you think this may apply to you, get in touch.
The calculator covers the Valencian Community and the Region of Murcia. Buying in another region? Write to us and we will guide you. From our office in Benijófar we have been guiding purchases in the area since 2001.
Buying in another country means paperwork, deadlines and documents that are not always easy to follow in a language that is not your own. Before you start, there are four things worth having clear.
The NIE is the foreigner identification number you need to sign the purchase and file the taxes. If you do not have one yet, we can arrange it for you.
You do not need to live in Spain to buy. If you are a non-resident, some tax obligations are different, such as the annual non-resident tax return (Modelo 210) for the property you own.
Banks may ask for extra documents and assess the purchase differently when the buyer lives outside Spain. It is worth knowing how much you will contribute before asking for an offer, and the calculator helps you work it out.
Legal help is not compulsory, but before signing it helps to check that the property is registered in the seller's name, that it has no charges and that the contract reflects what was agreed. We work in English and Spanish, and in German with Vicente. If you cannot travel to the signing, we can represent you in the transaction.
At Sol-4 we guide buyers from the moment they find a property until it is registered in their name. This is what we do for you:
You find the property
We check ownership, charges and documentation before you sign.
We verify that the sale contract reflects what was agreed and explain each clause in plain language.
We work out what is due and file the taxes on the purchase.
We represent you in the transaction, including when you cannot be present.
Registered in your name
We have been working since 2001, 25 years, with more than 1,500 transactions guided. For each purchase we ask the same question: what does the client need to know before signing?
Talk to Our Team
If your situation has details the calculator does not cover, our team can review your specific case.
It does not replace personalised advice if your purchase has particular features: buying through a company, several buyers with different tax situations, properties with charges or an unclear registry situation, or an inheritance or gift involved. In those cases the calculation has layers the calculator does not capture. Talk to us before you decide.
Talk to usGoogle reviews
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As a couple we have used Sol-4 Gestión for about 8 years and always been happy with the service and helpful advice given by Mar and all her team. Through setting up a business, house purchase, annual taxation, deaths and so much more they have helped us navigate the Spanish system with honest, direct and straightforward advice.
★★★★★
Having owned a property in Benimar-Rojales, it was very beneficial to have friendly and expert staff that were local to us.
★★★★★
This has been for the purchase of houses, assisting on legal matters and arranging all tax matters. They act very professionally and directly on a very personal level.
If you have a specific question about your purchase, write to us through the form, on WhatsApp at +34 650 817 695 or call us on +34 966 71 51 81, Monday to Friday, 8:00 to 15:00. Tell us about your case and we will send you a quote with no obligation. Response within 24 hours (enquiries received Monday to Friday during office hours).
It depends on the type of property and the region. On top of the price come the taxes on the purchase, notary and registry fees and, if you take a mortgage, the valuation. The calculator gives you a first estimate with your details.
ITP (property transfer tax) is paid when you buy a resale property, and each region sets its rate. VAT applies when you buy a new home, and in that case stamp duty (AJD) is added when the deed is formalised. They are not both paid on the same property.
The buyer pays the taxes on the purchase: ITP, or VAT and AJD on a new home. The seller has their own taxes, which this calculator does not include.
In general, the tax on the purchase depends on the type of property and the region. What usually changes is the paperwork and some later tax obligations. Some special conditions depend on the buyer's profile or the use of the property, which is why we ask about your situation.
It is not compulsory. But a legal check before signing lets you confirm ownership, charges and the contract, and avoids surprises later. At Sol-4 we do it as part of guiding you through the purchase.
Yes. You need a NIE and, depending on the case, some extra documents. We can arrange the NIE and represent you in the transaction if you cannot travel to the signing.
No. The calculator only estimates the taxes and costs of the purchase. If you would like a quote for our services, request it through the contact form.