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Andalusia · rates as of 9 October 2026
Know the real cost before you buy on the Costa del Sol
An independent guide to the taxes, fees, mortgage and running costs of buying a home here, with a source for every fact.
- Tax rates checked against the official texts
- Written by a construction expert
- Made by a local resident
Resale transfer tax (ITP)
Andalusia, general rate
New build: IVA 10% + stamp duty (AJD) 1.2%
7%
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Before you sign check
A site visit, the developer's record, the licence, the bank guarantee for your deposits and the specification, in a written report.
Also: snagging inspection at handover →Paid · price on request
Construction & renovation supervision
Building or renovating from abroad: the estimates, the site and the works checked on your behalf, with regular reports.
Read the guide to building from abroad →Need a lawyer or a mortgage broker who speaks your language? We will introduce you.Lawyer →Mortgage broker →
Who is behind it
Oleg Chupryna, 15 years building homes, now on the buyer's side.
Fifteen years in construction, delivering homes, a public school, roads and a hotel for investors, from the first budget to handover. Five years living in Spain. Every guide and every check on this site comes from that experience.
- Master's in civil engineering
- PRINCE2 certified
- 15 years in construction
Calculators
Plan your budget
Why trust us
Most cost information comes from people selling property. We show the sums.
Every rate on this site shows its source and when we last checked it. We don't sell property, and nobody can pay to change what we write.
Agencies earn more when you pay more. We are on the buyer's side, so we show every cost, including the ones that are easy to forget.
- independent
- 100%
- in construction
- 15 years
- official sources, linked
- BOE · INE
Where our numbers come from
Boletín Oficial del Estado ↗Banco de España ↗Instituto Nacional de Estadística ↗
Last checked: 9 October 2026
Guides
Guides for buyers
Read these before you pay a deposit or sign an arras contract.
Taxes and costs9 min read
Cost of buying property in Spain (2026): taxes and fees on the Costa del Sol
What buying a home in Spain costs on top of the price: 7% transfer tax or 10% IVA, stamp duty, notary, registry and lawyer, with examples to €1m.
Legal7 min read
Golden visa Spain 2026: abolished, and what to do instead
Spain ended the golden visa on 3 April 2025. What happens to existing permits, whether buying a home still helps, and the routes to live in Spain now.
Buying process9 min read
How to get an NIE in Spain as a foreigner: step by step (2026)
How to get your NIE, the Spanish foreigner number you need to buy a home: who needs one, consulate or police, documents, fee, appointment and timing.
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