Costs of buying a home in Andalusia
Taxes, notary, land registry and admin fees based on the price and your situation. This is an estimate: the exact amounts come from the notary and the Andalusian Tax Agency.
| Item | Amount |
|---|---|
| Transfer tax (ITP) (7%) | €12,600 |
| Notary | €600 – €1,000 |
| Land registry | €400 – €700 |
| Admin (gestoría) | €300 – €500 |
| Appraisal (mortgage) | €300 – €600 |
Andalusian transfer tax rates in force when checked (October 2026): general 7%; 6% for a main residence up to €150,000; 3.5% for buyers under 35 (up to €150,000) and for people with a disability or large families (up to €250,000). Reduced rates have further requirements. Notary, registry and admin fees are indicative ranges.
Source: Junta de Andalucía, transfer tax (Transmisiones Patrimoniales Onerosas).
Frequently asked questions
Which tax do you pay when buying a resale home in Andalusia?
Transfer tax (ITP). The general rate is 7%, with reduced rates of 6% and 3.5% for a main residence if the requirements are met.
What if the home is a new build?
On the developer's first sale you pay 10% VAT plus stamp duty (AJD) instead of transfer tax.
Who pays the mortgage costs?
Since 2019 the bank pays the notary, registry and admin costs of the mortgage. The buyer pays the appraisal.