How much does it cost to buy a house in Spain? Taxes and fees in Andalucía

Resale homes

On a resale home you pay transfer tax, called the ITP. In Andalucía the ITP is 7% of the price. The tax office has its own reference value for each home. If that value is higher than the price you paid, the tax office can charge the tax on that value.

New builds

On a home bought from a developer you pay 10% VAT. You also pay stamp duty, called the AJD, at 1.2% in Andalucía. You never pay both VAT and transfer tax on the same purchase.

Notary and Land Registry

Notary fees and Land Registry fees follow official scales. The fees rise with the price. Guides for 2026 put the notary at roughly 600 to 1,500 euros and the Land Registry at a few hundred euros for most homes.

Lawyer

Lawyers' fees are not regulated. About 1% of the price plus VAT is common for a purchase.

With a mortgage

Since 2019 the bank pays the notary, the Land Registry and the stamp duty on the mortgage deed. The buyer pays for the valuation and any arrangement fee.

An example

Take a resale home at 1,000,000 euros. Expect 70,000 euros in transfer tax and about 15,000 euros in notary, Land Registry and lawyer's fees. Now take a new build at the same price. Expect 100,000 euros in VAT, 12,000 euros in stamp duty and similar fees.