What buying
a home in Spain
really costs.

The same €300,000 resale home costs €12,201 in transfer tax and land registry fees in the Basque Country and €30,201 in Catalonia: in Spain, the bill depends on the region, and Payotte computes it from each region's official rates.

transfer tax and registry on a €300,000 resale home in Catalonia

average appraised home value in Spain, Q2 2026 (+12.5% a year)

average rate on new mortgages over 3 years (Banco de España, August 2026)

monthly payment on €200,000 over 25 years

non-resident tax rate for UK, Canadian and US owners

12-month Euribor, September 2026 3.247% Official reference rate of the Banco de España (2.954% in August 2026) Your payment →

Where to look

The largest cities and the coasts and islands where foreign buyers look, with the ministry's average appraised value per m² (Q2 2026). Professionals are coming soon.

Community of Madrid

+9.4% over a year

+6.9% over a year

Valencian Community

+17% over a year

+14.8% over a year

+15.6% over a year

Valencian Community

+12.6% over a year

Balearic Islands

+14.3% over a year

+14.7% over a year

Valencian Community

+16.7% over a year

Valencian Community

+15.7% over a year

Las Palmas de Gran Canaria

+14.2% over a year

+14.9% over a year

More cities: A Coruña · Almería · Arona · Benalmádena · Bilbao · Cádiz · Calpe · Calvià · Cartagena · Castelldefels · Chiclana de la Frontera · Córdoba · Dénia · Elche · Estepona · Fuengirola · Gijón · Girona · Granada · Ibiza Town · Jávea · Mahón · Mazarrón · Mijas · Murcia · Orihuela · Pamplona · Salou · San Bartolomé de Tirajana · San Cristóbal de La Laguna · San Javier · San Roque · San Sebastián · Santa Cruz de Tenerife · Santa Eulària des Riu · Santander · Sitges · Torremolinos · Valladolid · Vigo · Villajoyosa · Vitoria-Gasteiz · Zaragoza

Regions: Andalusia · Aragon · Asturias · Balearic Islands · Basque Country · Canary Islands · Cantabria · Castile and León · Castilla-La Mancha · Catalonia · Ceuta · Community of Madrid · Extremadura · Galicia · La Rioja · Melilla · Navarre · Region of Murcia · Valencian Community

All cities and regions on a map →

Five trades

For each, the register you can check yourself with the official body. Lawyers are not listed: the page explains the trade and how to check a lawyer.

Real estate agent

Regional register where compulsory

Property valuer

Banco de España register

Colegio membership, public register

Mortgage lender

Banco de España register

Property lawyer

Bar membership (not listed)

Calculators and guides

Official rates recomputed by an automatic check; 74 guides checked against the sources they cite, sorted by step.

Calculators and tables

Foreign buyers

Purchase taxes by region

Buying

Financing

Selling

Renting

Owning

How the list will be made

The same rules as in Canada, France, Belgium, the United Kingdom, Australia and India. The method in detail →

01

A business, never a person

Each profile presents a firm (its name, NIF and address). No person's name is published, and no lawyer is listed.

02

A registration you check yourself

Regional agent registers, the Banco de España, the colegios: the profile says where to check, with the official body.

03

One firm per area and trade

Chosen on public data under a published scale. Never chosen on its ability to pay: Payotte is free, with no ads or commission.

How much will your purchase cost in taxes?

Your region, the price, resale or new: the calculation in a few seconds, from the official rates.

Calculate my purchase costs