Spain's property transfer tax is set by region, and the spread is enormous — the same €400,000 flat costs you €24,000 in Madrid and €40,000 in Catalunya. Pick your region, enter the price, and see the whole cost stack.
Use the declared purchase price. Spanish regions can tax a higher valor de referencia if they consider the declared price below market — ask your lawyer to check it.
An estimate from published rates, not a quote and not legal or tax advice. Fee ranges for notary, registry and lawyer are typical figures from our Spain guide, not your quote.
Rates are set regionally or nationally and change, sometimes mid-year. If a figure here disagrees with the official authority, the official authority is right — and please tell us so we can fix it.
ITP (Impuesto sobre Transmisiones Patrimoniales) is the tax you pay on a resale home. It is set by each autonomous community, which is why the same purchase can cost tens of thousands more or less depending on which side of a regional border it sits.
| Region | 2026 rate for a resale home |
|---|---|
| Andalucía | 6% to €150,000; 7% above €150,000 |
| Aragón | 8%–10% (bands not published here) |
| Asturias | 8% to €300,000; 9% to €500,000; 10% above €500,000 |
| Illes Balears | 8% on €0–€400,000; 9% on €400,000–€600,000; 10% on €600,000–€1,000,000; 12% on €1,000,000–€2,000,000; 13% above €2,000,000 (marginal) |
| Canarias | 6.5% |
| Cantabria | 9% |
| Castilla y León | 8% to €250,000; 10% above €250,000 |
| Castilla-La Mancha | 9% |
| Catalunya | 10% on €0–€600,000; 11% on €600,000–€900,000; 12% on €900,000–€1,500,000; 13% above €1,500,000 (marginal) |
| Extremadura | 8%–11% (bands not published here) |
| Galicia | 8% |
| Madrid | 6% |
| Murcia | 8% |
| Navarra | 6% |
| La Rioja | 7% |
| Comunitat Valenciana | 9% to €1,000,000; 11% above €1,000,000 |
| Euskadi / País Vasco | 4% |
General guidance, not legal or tax advice — sources above.
Since 2022 the tax base is the higher of the declared price and the cadastral reference value. If the reference value is above your price, you are taxed on the reference value. Your lawyer can check it before you sign, and it can be appealed — but not comfortably, after the fact.
A new build pays 10% IVA plus AJD stamp duty of roughly 0.75%–1.5% depending on region, instead of ITP. In a low-ITP region like Madrid that makes a new build noticeably more expensive in tax; in Catalunya or the Balearics it can be the other way round.
Budget 10–15% on top of the price in total. Beyond the transfer tax that means the notary (€600–€1,200, set by state tariff), the Land Registry (€400–€1,000+), and an independent lawyer at around 1% plus 21% IVA. Read the full Spain guide for the annual costs that follow — particularly Modelo 210, the non-resident tax you owe even when the property sits empty.
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