Valencia property purchase calculator: taxes, fees and closing costs

What purchase costs the calculator adds to the price

You enter a purchase price between 50,000 and 2,000,000 EUR, pick resale or new build, and tell us whether you are using a Spanish mortgage. The calculator adds every standard closing cost to the price and shows the total cash you need at signing, plus the arras deposit you typically pay weeks earlier to reserve the property.

ITP, AJD, notary and registry rates the calculator uses in 2026

Resale purchases in the Comunidad Valenciana pay ITP transfer tax at 9% of the price since 1 June 2026 (Ley 5/2025 de la Generalitat). Above 1,000,000 EUR the resale rate is 11%, which the calculator applies to the whole price. The tax base is the higher of the deed price and the Catastro reference value.

Buyers of a main home can qualify for reduced ITP: up to 180,000 EUR of value the rate is 6% for under-35s and 3% for large or single-parent families and people with a disability of 65% or more, and above 180,000 EUR it is 8% and 4%. Under-35s and large families must also stay under an income cap of 30,000 EUR of general plus savings tax base (47,000 EUR on a joint return). Pick the profile in the calculator to see the effect.

New builds pay 10% IVA plus 1.4% AJD stamp duty instead of ITP, and the AJD drops to 0.1% when the new build is your main home. The 10% IVA covers the home plus up to two garage spaces and annexes sold with it; further garages pay 21%.

Notary and Land Registry fees follow the official aranceles (Real Decreto 1426/1989 and 1427/1989): a fixed amount up to 6,010 EUR of value, then a sliding per-thousand rate that falls as the price rises, each with the 5% rebate written into its own scale and 21% IVA added. On a 250,000 EUR flat that is about 440 EUR for the notary and 230 EUR for the registry; copies and extra folios come on top, so real invoices run somewhat higher.

We add a flat 400 EUR for the gestoría handling the paperwork. If you take a Spanish mortgage, a 350 EUR bank valuation is added, because the valuation is the one mortgage cost the borrower pays: the bank bears the notary, registry and gestoría costs of the mortgage deed (Ley 5/2019, art. 14). A buyer-side agent is off by default because the seller usually pays the agent in Spain; toggle it on and we apply your chosen commission (default 3%) plus 21% IVA.

Worked example: closing costs on a 250,000 EUR resale flat

Take a 250,000 EUR resale flat bought with a mortgage and no buyer agent. ITP is 22,500 EUR, notary about 440 EUR, registry about 230 EUR, gestoría 400 EUR and valuation 350 EUR. That is roughly 23,920 EUR in extras, about 9.6% of the price, for a total of about 273,920 EUR at closing. Before that, you will normally have paid an arras deposit of 25,000 EUR (10%), which is credited toward the price at signing.

Which property buyers the calculator applies to

The numbers fit any buyer of residential property in Valencia province, expat or local, resident or non-resident. The resale vs new build choice matters most: the tax line is the single biggest cost and differs between the two. Cash buyers can skip the valuation line by switching the mortgage toggle off. Non-resident buyers face the same purchase taxes, though mortgage terms and rates from Spanish banks usually differ.

The municipal plusvalía tax is not in the total: by law the seller is the taxpayer in a sale (Ley Reguladora de las Haciendas Locales, art. 106).

Why the purchase cost result is an estimate, not advice

This is a planning estimate based on public 2026 Comunidad Valenciana rates, not a quote and not legal or tax advice. Real notary and registry invoices vary with deed complexity, other reduced ITP rates exist (subsidised housing, for example) and rules can change mid-year. Always get a binding breakdown from a Spanish lawyer or gestoría before you sign anything.