What buying a Valencia home really costs
The listing price is only the start. Between transfer tax, notary, registry, gestoria and mortgage valuation, expect roughly 10-13% on top of the price in the Comunidad Valenciana. Set your target price below and we break down every closing cost line by line, using 2026 Valencia rates.
Calculate Your Total Purchase Cost
Move the sliders for your target price and property type. We'll show every closing cost and the cash you'll need at signing, using Valencia 2026 rates.
Drag the slider or type a value.
In Spain the seller usually pays the agent. Toggle on only if you've separately hired a buyer's agent (typical 3% + 21% IVA).
Your Estimate
Paid before closing to take the property off the market. Credited toward the price at signing. If you withdraw, you forfeit it. If the seller withdraws, they owe you double.
Estimate, not a quote
These figures are 2026 estimates for the Comunidad Valenciana. Real costs vary by property, lender and notary, and tax rules can change mid-year. Get a binding breakdown from a Spanish lawyer or gestoria before you commit.
Sources
- -ITP rate (9% on resales since 1 June 2026) - Comunidad Valenciana, Ley 13/1997 de Tributos Cedidos, as amended by Ley 5/2025 de la Generalitat.
- -IVA on new builds (10%) and AJD (1.4% in Valencia since 1 June 2026) - Spanish Tax Agency (AEAT) and Ley 5/2025 de la Generalitat.
- -Notary and Registry tariffs - Real Decreto 1426/1989 (notaries) and Real Decreto 1427/1989 (property registers).
- -Gestoria, valuation and buyer-agent ranges - sector averages 2025-2026 (Idealista, Spanish bank tariffs).
Want a real quote on a specific property?
We coordinate with vetted Spanish lawyers and gestorias to give you a binding cost breakdown before you sign anything.
How this calculator works
What the tool computes
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.
The 2026 rates behind the math
Resale purchases in the Comunidad Valenciana pay ITP transfer tax at 9% of the price, cut from 10% by Ley 5/2025 de la Generalitat as of 1 June 2026. New builds pay 10% IVA plus 1.4% AJD stamp duty instead (also cut from 1.5% by the same law). 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, with the 5% rebate of RDL 6/2000 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, extra folios and any mortgage entries come on top, so real invoices run somewhat higher. We add a flat 400 EUR for the gestoria handling the paperwork. If you take a Spanish mortgage, a 350 EUR bank valuation is added. 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.
A worked example
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, gestoria 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.
Who this 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.
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, reduced ITP rates can apply to some buyers, and rules can change mid-year. Always get a binding breakdown from a Spanish lawyer or gestoria before you sign anything.