Buyers Cost Buyers Cost

Buyers Cost

Buyer's Costs in Spain

The buyer's costs are usually paid through your legal adviser, who will coordinate the necessary payments to the notary and manage the other legal procedures related to the purchase.

Important:
As a general guide, the total purchase costs in Spain are usually between 12% and 15% of the purchase price. This percentage may vary depending on the region where you buy, the type of property and the notarial or administrative costs associated with the transaction.


A quick and simple calculation

Purchase price + 14% 
  • Purchase price: €100,000
  • Taxes: €10,000
  • Estimated additional costs: €4,000
  • Estimated total cost: €114,000

Third-party costs

  • VAT (where applicable)
  • Legal fees
  • Notary and conveyancing fees
  • Land Registry fees
  • Property title registration costs
  • Administrative fees

Taxes and possible stamp duty

The total costs may vary depending on the municipality where you purchase, whether the property is a new build or a resale, and the purchase price.

In certain cases, such as properties priced below €100,000 or bank repossessions, different tax rules or conditions may apply.

If you purchase through Chic Estates, we will provide you with a clear estimate of the total buying costs from the very beginning, so you know exactly what to expect.

What are the annual costs of owning a property in Spain?

  • Home insurance
    • Apartment: from approximately €200 per year
    • Villa: between €300 and €400 per year, depending on the size of the property and the level of contents cover.
  • Community fees
    • Typically between €50 and €150 per month for apartments or residential developments.
  • Private swimming pool maintenance
    • Approximately €1,500 to €2,000 per year.
  • IBI (Spanish Property Tax)
    • Apartment or small house: approximately €250 to €300 per year
    • Villa: between €300 and €900 per year.
  • Local waste collection tax and other municipal charges
    • Typically between €90 and €120 per year.

More peace of mind throughout the whole process


At Chic Estates, we not only want to help you understand the purchase and maintenance costs of a property in Spain more clearly. We also want you to feel supported every step of the way, especially if you are buying from abroad and value having close, trustworthy support.

That is why our 24/7 assistance services and SOS Ana provide very important added value, reinforcing that feeling of security, guidance and personalised attention you need throughout the entire buying process.

Contact us

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