City · Andalusia

Buying a home in Estepona: taxes, fees and prices

Taxes at the region's official rates · appraised values of the ministry · INE house price index.

In short

On a €300,000 resale home in Estepona (Andalusia), transfer tax and land registry fees come to €21,201 (7% tax at the general rate). Homes in Estepona were appraised at €3,518/m² in Q2 2026, +12.1% over a year.

Calculate for Estepona

If you buy

Taxes, land registry and loan in Estepona

General rates of Andalusia. Change any field: the amounts are recalculated instantly.

Value taxed€300,000
Transfer tax (ITP)€21,000 (7%)
Land registry (registration + presentation)€201
Buyer total (taxes + land registry)€21,201
Notary's deed fee (the seller's by default)€388
Loan of 80% of the price€240,000
Monthly payment, 25 years at 3.134%€1,155

General rates only: no reduced rates, notary copies, gestoría or valuation. All the rates and sources.

If you sell

Income tax on the gain

National rates, the same in every region: your tax residence decides.

Capital gain€80,000
Rate on the gain19%
Income tax on the gain€15,200
Buyer's 3% withholding (advance)€12,000
Left to pay on the return€3,200

Non-resident: 19% on the gain (IRNR); the buyer withholds 3% of the price (form 211), the seller settles on form 210 and the 3% is credited.

Plusvalía municipal, exemptions and agency fees are not computed. Capital gains tax on a home sale.

The questions, answered

How much transfer tax on a €300,000 resale home in Estepona?

At the general rate of Andalusia (7%), €300,000 bought in Estepona pays €21,000 of transfer tax (ITP) and €201 of land registry fees: €21,201 for the buyer, before notary copies and any reduced rate; the base is the higher of price and Catastro reference value.

What is a home worth per square metre in Estepona?

Approved valuers appraised open-market homes in Estepona at €3,518/m² in Q2 2026 (470 valuations), +12.1% over a year; the figure is €2,355/m² for Spain and €3,084/m² for the province of Málaga.

Are home prices rising in Estepona?

Yes: appraised values in Estepona changed by +12.1% over a year. For Andalusia as a whole the INE index moved +11.9% (Spain: 12.2%).

Reading the numbers for Estepona

By appraised value, Estepona is 16th of the 55 cities Payotte covers, from the dearest down. At €3,518/m² it sits 49% above the Spanish average of €2,355/m².

Within Andalusia it ranks 5th of 14 covered cities, about 78% above the regional average of €1,982/m². The province of Málaga is at €3,084/m², so the city is €435 above its province.

The appraised value is up €380/m² from €3,138 a year earlier (+12.1%), in step with the national rise (+12.5%) and 1.7 points slower than Andalusia as a whole (+13.8%). On a 90 m² home at the average, the year's move is worth about €34,200.

Taken at the average appraised value, €300,000 buys roughly 85 m² in Estepona, against 125 m² at the Spanish average. A 90 m² home at that value would be about €317,000; the buyer's taxes and registry fees on a resale come to €22,396 (7%). Arithmetic on an average, not a valuation.

The Estepona figure rests on only 470 valuations, a thin sample that a few large operations can move, or 5.9 valuations per 1,000 inhabitants. With 79,621 inhabitants it is the 36th most populated of the 55 cities covered.

On that ladder the next city up is Bilbao at €3,529/m² (€11 more), and the next one down is Jávea at €3,507/m² (€11 less). The dearest covered city, Santa Eulària des Riu, is at €6,844/m², €3,326 above Estepona; the cheapest, Cartagena, at €1,486/m², €2,033 below. A year earlier it ranked 17th, so it has climbed one place.

Typical sizes at the average appraised value of Estepona
SizePrice at that valueBuyer taxes, resaleBuyer taxes, new build
50 m²€176,000€12,488 (7%)€19,880
70 m²€246,000€17,407 (7%)€27,739
90 m²€317,000€22,396 (7%)€35,710
120 m²€422,000€29,774 (7%)€47,498

The figures

MeasureValueSource
Transfer tax (ITP) on €300,000€21,000Ley 5/2021, art. 41
Land registry on €300,000€201Real Decreto 1427/1989
Notary's deed fee on €300,000 (seller by default)€388Real Decreto 1426/1989
Appraised value, Q2 2026€3,518/m²Ministry, 470 valuations
Appraised value, Q2 2025€3,138/m²Ministry
Province of Málaga, Q2 2026€3,084/m²Ministry
Andalusia, appraised value, Q2 2026€1,982/m²Ministry (+13.8% a year)
Andalusia, INE house price index, change over a year+11.9%INE, Q2 2026
Population, 1 January 202579,621INE, Padrón

Valuers' averages, not sale prices; changes computed by Payotte.

Buying from abroad

What differs for a foreign buyer: Buying as a foreigner · non-resident tax calculator · purchase costs in every region.

Closest in appraised value

Sources