Taxes on Buying Property in Andalusia: ITP, VAT, and Hidden Costs
The property price is just the beginning. We explain all the taxes and expenses you must calculate before buying in Andalusia to avoid unpleasant surprises.
One of the most common mistakes when buying a home is focusing solely on the sale price. In Andalusia, taxes and associated costs can add an extra 10% to 14% to the final bill—a figure many buyers discover too late. This guide breaks down every concept so you can calculate your real budget with precision.
Taxes Based on Property Type
1. Resale Properties: ITP Tax
If you buy a pre-owned property, you will pay the Transfer Tax (ITP). In Andalusia, the general rate is a flat 7% on the purchase price.
| Category | ITP Rate |
|---|---|
| General Rate | 7% |
| Under 35s (Main home < €150k) | 3.5% |
| Disabled or Large Families | 3.5% |
2. New Build Properties: VAT & AJD
Buying directly from a developer (off-plan or brand new) involves different taxes:
- VAT (IVA): 10% of the purchase price.
- Stamp Duty (AJD): 1.2% in Andalusia.
Example: For a new €300,000 apartment, total taxes would be €33,600 (11.2%). New builds are fiscally more expensive than resales but offer lower maintenance costs.
Notary, Registry, and Legal Fees
Beyond taxes, these mandatory costs are non-negotiable:
- Notary: Regulated by law, usually between €600 and €1,200.
- Land Registry: Approx. 0.2% to 0.5% of the value.
- Legal Fees: Highly recommended for foreigners. A specialized lawyer usually charges 1% of the price.
Summary: How much will it really cost?
As a rule of thumb, always add 12-14% to the property price for expenses. If you are also applying for a mortgage, check our guide on how to get the perfect mortgage to understand additional valuation costs.
Need expert help?
At SolProp, we work with tax advisors and lawyers who specialize in international buyers. We help you calculate the exact «on-the-road» price of your dream home on the Costa del Sol.
