Budget Calculator
Know what buying in Spain really costs.
Model the full cost of ownership — taxes, fees, mortgage and total cash needed.
Property type
Financing
Residency
Total cash needed
€308,250
Estimated monthly
€2,918
Affordability
Comfortable
19% of income
Cost breakdown
Transfer tax (ITP)€60,000
Legal fees€9,000
Notary fees€3,750
Land registry€3,000
Mortgage fees€7,500
Down payment€225,000
These figures are estimates only and do not constitute financial, legal or tax advice. Actual costs depend on the region, property type and your personal circumstances. Always consult a qualified Spanish lawyer and tax advisor before purchasing.