{"id":25986230,"date":"2025-07-24T16:24:29","date_gmt":"2025-07-24T14:24:29","guid":{"rendered":"https:\/\/bostello.com\/?p=25984724"},"modified":"2025-10-21T15:48:33","modified_gmt":"2025-10-21T15:48:33","slug":"the-true-cost-of-buying-a-property-in-spain-in-2025","status":"publish","type":"post","link":"https:\/\/bostello.com\/pl\/guides\/zakup-nieruchomosci-w-hiszpanii\/the-true-cost-of-buying-a-property-in-spain-in-2025\/","title":{"rendered":"Prawdziwy koszt zakupu nieruchomo\u015bci w Hiszpanii w 2025 roku"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>TL:DR<\/strong><\/p>\n\n\n\n<p>Buying a property in Spain typically costs an additional 10\u201313% on top of the purchase price. This includes property transfer tax (6\u201310%), notary and registration fees (1\u20132%), legal services (1\u20132%), and mortgage costs (if applicable). New-builds are taxed differently (VAT + stamp duty).<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Does a Property Cost in Spain in 2025?<\/h2>\n\n\n\n<p>Property prices in Spain continue to vary significantly by region. As of mid-2025, here are some average price ranges:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Costa del Sol<\/strong>: \u20ac2,500\u2013\u20ac4,500 per m\u00b2<\/li>\n\n\n\n<li><strong>Costa Blanca<\/strong>: \u20ac1,800\u2013\u20ac2,800 per m\u00b2<\/li>\n\n\n\n<li><strong>Madrid &amp; Barcelona<\/strong>: \u20ac4,000\u2013\u20ac6,000 per m\u00b2<\/li>\n\n\n\n<li><strong>Inland\/rural areas<\/strong>: \u20ac900\u2013\u20ac1,500 per m\u00b2<\/li>\n<\/ul>\n\n\n\n<p>For example, a two-bedroom apartment in Nerja may cost around <strong>\u20ac200,000<\/strong>, while a similar home in Marbella might exceed <strong>\u20ac400,000<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Breakdown of Additional Purchase Costs<\/h2>\n\n\n\n<p>Here\u2019s a breakdown of typical costs buyers should plan for:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th><strong>Cost Type<\/strong><\/th><th><strong>Typical Range<\/strong><\/th><\/tr><tr><td>Property Transfer Tax (ITP)<\/td><td>6\u201310% (resale properties)<\/td><\/tr><tr><td>VAT (IVA) + Stamp Duty<\/td><td>10% + 1.5% (new-builds only)<\/td><\/tr><tr><td>Notary Fees<\/td><td>0.5\u20131%<\/td><\/tr><tr><td>Land Registry<\/td><td>0.5\u20131%<\/td><\/tr><tr><td>Legal Fees<\/td><td>1\u20132%<\/td><\/tr><tr><td>Mortgage Setup (if needed)<\/td><td>1\u20132% of loan value<\/td><\/tr><tr><td>Property Valuation<\/td><td>\u20ac300\u2013\u20ac500 (for mortgage buyers)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Example:<\/strong><\/p>\n\n\n\n<p>Buying a resale apartment in Alicante for <strong>\u20ac200,000<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transfer tax (8%): \u20ac16,000<\/li>\n\n\n\n<li>Notary + Registry: \u20ac2,000<\/li>\n\n\n\n<li>Lawyer: \u20ac2,000<\/li>\n\n\n\n<li><strong>Total additional cost<\/strong>: ~\u20ac20,000 \u2192 <strong>\u20ac220,000 total<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Hidden or Optional Costs to Consider<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NIE number<\/strong> \u2013 Required for foreign buyers (~\u20ac20\u2013\u20ac150)<\/li>\n\n\n\n<li><strong>Power of attorney<\/strong> \u2013 If buying remotely (~\u20ac200\u2013\u20ac500)<\/li>\n\n\n\n<li><strong>Interpreter\/Translator<\/strong> \u2013 Optional but useful if not fluent in Spanish<\/li>\n\n\n\n<li><strong>Bank charges for international transfers<\/strong><\/li>\n\n\n\n<li><strong>Home insurance<\/strong> \u2013 Required if you take a mortgage<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Buying New-Build vs. Resale Properties<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Type<\/td><td>Tax Applied<\/td><\/tr><tr><td><strong>New-build<\/strong><\/td><td>10% VAT + 1.5% stamp duty<\/td><\/tr><tr><td><strong>Resale<\/strong><\/td><td>6\u201310% transfer tax (ITP)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>New-builds tend to be more expensive upfront due to VAT, but may come with fewer maintenance issues and energy-efficient certifications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Reduce Your Buying Costs<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Choose resale properties<\/strong> if looking to avoid VAT.<\/li>\n\n\n\n<li><strong>Shop around for legal and notary services.<\/strong> Some offer fixed rates.<\/li>\n\n\n\n<li><strong>Use a local mortgage broker<\/strong> to find the most cost-effective lender.<\/li>\n\n\n\n<li><strong>Buy off-plan directly from developers<\/strong>, which may include incentives like waived notary costs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Common Mistakes to Avoid<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Underestimating total purchase costs.<\/li>\n\n\n\n<li>Not hiring an independent solicitor.<\/li>\n\n\n\n<li>Relying solely on the seller\u2019s agent.<\/li>\n\n\n\n<li>Skipping a property survey.<\/li>\n\n\n\n<li>Ignoring regional tax differences (e.g., Andalusia vs. Valencia).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ: Buying Property in Spain in 2025<\/h2>\n\n\n\n<p><strong>Can I buy a property in Spain as a non-resident?<\/strong><br>Yes. There are no restrictions for EU or non-EU citizens. You\u2019ll need an NIE (foreigner ID number).<\/p>\n\n\n\n<p><strong>Is it mandatory to use a lawyer?<\/strong><br>It\u2019s not required by law, but it\u2019s <strong>strongly recommended<\/strong> for verifying ownership, debts, and handling contracts.<\/p>\n\n\n\n<p><strong>How long does the buying process take?<\/strong><br>Typically 6\u201310 weeks from reservation to completion.<\/p>\n\n\n\n<p><strong>Do I need a Spanish bank account?<\/strong><br>Yes, to pay taxes, utility bills, and receive mortgage funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ready to Buy?<\/h2>\n\n\n\n<p>Start browsing properties in  Spain on <strong>Bostello<\/strong> \u2013 and contact our trusted agents to guide you through every step.<\/p>\n\n\n\n<p>\ud83d\udc49 <a href=\"https:\/\/bostello.com\/properties\/\">View Properties for Sale in Spain<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>TL:DR Buying a property in Spain typically costs an additional 10\u201313% on top of the purchase price. This includes property transfer tax (6\u201310%), notary and registration fees (1\u20132%), legal services (1\u20132%), and mortgage costs (if applicable). New-builds are taxed differently (VAT + stamp duty). How Much Does a Property Cost in Spain in 2025? Property [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":25987684,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[113],"tags":[],"class_list":["post-25986230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zakup-nieruchomosci-w-hiszpanii"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prawdziwy koszt zakupu nieruchomo\u015bci w Hiszpanii w 2025 roku - Bostello<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bostello.com\/pl\/guides\/zakup-nieruchomosci-w-hiszpanii\/the-true-cost-of-buying-a-property-in-spain-in-2025\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prawdziwy koszt zakupu nieruchomo\u015bci w Hiszpanii w 2025 roku - 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