How much does buying on the coast cost?
VAT, stamp duty, notary, registry, lawyer and mortgage costs for your new-build home, using the current rates in the Valencian Community, Murcia and Andalusia. See each payment, from reservation to keys.
Your costs, item by item
Where are you buying?
VAT is the same across Spain; each region sets its stamp duty rate.
How much does it cost?
Sale price excluding VAT, as shown in listings.
How will you pay?
Banks usually lend non-residents 60–70% of the price excluding VAT. You cover VAT and costs yourself.
Who supports you?
Optional services used by most international buyers.
When you pay each cost
Looking for new builds at this price?
What you pay and why
VAT, regional stamp duty and notary, registry, administrative agent and lawyer fees are added to the new-build price: usually 12.5–14% of the price in total.
Paid to the developer with each payment: reservation, contract, construction and deed. Garages and storage rooms bought with the home (up to two) also carry 10% VAT.
AJD stamp duty is payable when signing the notarised deed. 1.4% in the Valencian Community (from 1 June 2026), 1.5% in Murcia and 1.2% in Andalusia.
Legally regulated fee based on price, with a 5% discount, plus copies and VAT. Certifies the deed and submits the purchase to the registry. Chosen by the buyer.
Registers ownership in your name and protects your rights against third parties. Official fee with a 5% discount, plus VAT.
Files and pays stamp duty and submits the deed to the registry. Around €350 plus VAT, often handled by the lawyer’s office.
Checks licences, charges, bank guarantees and the contract, arranges the NIE and can sign on your behalf with a power of attorney. Works for you, not the developer.
The bank pays mortgage stamp duty (since November 2018), notary, registry and administrative fees (Law 5/2019). You pay the valuation and any arrangement fee. Purchase costs are not financed.
Municipal capital gains tax, declaration of new construction and horizontal division of the building. These are not your costs.
The four coasts, tax by tax
Costa Blanca Norte and Sur are in the Valencian Community, Costa Cálida in Murcia and Costa de Almería in Andalusia. Totals assume a cash new-build purchase with lawyer and administrative agent.
| Coast | Region | VAT | AJD | Taxes | Total for €300,000 | Total for €500,000 |
|---|---|---|---|---|---|---|
| Costa Blanca Norte | Valencian Community | 10 % | 1,4 % | 11,4 % | 39.395 € 13,1 % | 64.799 € 13 % |
| Costa Blanca Sur | Valencian Community | 10 % | 1,4 % | 11,4 % | 39.395 € 13,1 % | 64.799 € 13 % |
| Costa Cálida | Region of Murcia | 10 % | 1,5 % | 11,5 % | 39.695 € 13,2 % | 65.299 € 13,1 % |
| Costa de Almería | Andalusia | 10 % | 1,2 % | 11,2 % | 38.795 € 12,9 % | 63.799 € 12,8 % |
Valencian Community: AJD 1.4% from 1 June 2026 (previously 1.5%), Law 5/2025. Murcia: AJD 1.5% from 25 July 2025 (previously 2%), Law 3/2025. Andalusia: AJD del 1,2 %, Ley 5/2021. Los tipos reducidos de AJD (vivienda habitual de jóvenes, familias numerosas o personas con discapacidad) exigen vivir en ella y no se aplican a una segunda residencia.
Pay in stages, with guarantees
- 10% VAT and AJD: 11.2–11.5% of the price, no surprises
- Pay in stages: reservation, contract, construction and deed
- All payments covered by bank guarantee or insurance
- 1-, 3- and 10-year warranties and high energy efficiency
- Developer prices and €0 commission with Homiia
What could you earn by renting it out?
Seasonal income, management, annual costs, mortgage and non-resident tax, in seven steps.
Calculate rental yieldGet new builds that fit your budget
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