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Spanish Property
Profitability & Cost Calculator

Instantly calculate the real total cost of buying a property in Spain — including ITP, AJD, notary, registry, and mortgage fees — plus a full rental yield and ROI analysis.

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2026 tax ratesITP bonifications includedRental yield & ROI100% free to use

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Tipos impositivos y bonificaciones autonómicas actualizados para el ejercicio fiscal 2026. Los datos son de carácter informativo. Consulta siempre con tu asesor fiscal o notaría para confirmar los requisitos específicos de cada bonificación.

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Fill in the form and click "Calculate" to see the full cost breakdown and profitability analysis.

How It Works

Three simple steps to know your real investment cost

STEP 01

Select Your Region

Choose the Autonomous Community where the property is located. Each region has different ITP rates and bonifications.

STEP 02

Enter the Price

Input the property's purchase price and expected monthly rental income to get a complete profitability picture.

STEP 03

Get Full Analysis

Receive an instant breakdown of all acquisition costs, net yield, ROI, and break-even period.

Frequently Asked Questions

Everything you need to know about property purchase taxes in Spain

What is ITP and who pays it?
ITP (Impuesto de Transmisiones Patrimoniales) is the Transfer Tax applied to second-hand property purchases in Spain. It is paid by the buyer. The rate varies by Autonomous Community, typically ranging from 6% to 10% of the purchase price.
What is AJD and when does it apply?
AJD (Actos Jurídicos Documentados) or Stamp Duty applies to new-build properties and mortgage deeds. For new builds, VAT (IVA) at 10% also applies instead of ITP. The AJD rate varies by region, generally between 0.5% and 1.5%.
Can I benefit from a reduced ITP rate?
Yes. Many Autonomous Communities offer bonifications (reduced rates) for specific buyer profiles, such as first-time buyers, buyers under 35, large families, or disabled persons. Andalucía, for example, offers 3.5% ITP for buyers under 35 purchasing their primary residence under €130,000.
Are notary and registry fees mandatory?
Yes. Notary fees are regulated by national scale and typically range from 0.1% to 0.5% of the purchase price. Land Registry fees are also nationally regulated and slightly lower. Both are required to complete a legal property purchase in Spain.
What is a good rental yield in Spain?
A gross yield above 6% is considered good in most Spanish markets, and above 8% is excellent. However, net yield (after operating expenses like IBI, community fees, maintenance, and insurance) is the more meaningful metric — aim for 4%+ net.

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