Buying a property in Andalucía is an appealing proposition thanks to its climate, lifestyle and cultural richness. Yet the purchase process carries several additional costs that must be factored in alongside the advertised price. Understanding these costs is crucial for both residents and foreign buyers.

Resale properties in Andalucía are subject to the Impuesto sobre Transmisiones Patrimoniales (ITP). For example, the rate for 2025 is 7% of the purchase price.
New-build properties bought directly from a developer incur Value Added Tax (IVA) at 10% and Stamp Duty (Actos Jurídicos Documentados, AJD) at approximately 1.2% in Andalucía. 

In addition to taxes, buyers must pay for the notary deed and registration of ownership. Notary fees typically range between 0.2% and 0.5% of the purchase price and land registry fees can add another 0.05% to 0.2%. Legal representation is strongly recommended, especially for non-residents. Lawyers’ fees often amount to around 1% of the purchase price, plus VAT. 

As a rule of thumb, when buying in Andalucía you should budget approximately 10%–12% of the purchase price for resale homes and 12%–15% for new builds, to cover all taxes and fees. 

- If you are non-resident, additional taxes such as Non-Resident Income Tax (IRNR) can apply.

- Higher purchase prices and added complexity (e.g., rural land, large plots) may increase the fees above average.

- Always engage a qualified local lawyer to carry out due diligence on the property, check for debts and confirm zoning and land status.

Conclusion

When planning to buy a home in Andalucía it is essential to look beyond the advertised price and factor in the full cost of purchase. Setting aside approximately 10% for resale and up to 15% for new builds will help you budget properly and move ahead with confidence. With the right legal advice and due diligence your investment can be secure and the process smooth.

- Idealista. "The cost of buying a house in Spain — taxes and expenses.” 3 March 2025. Idealista

- Real Estate Andalucía. "Spain Property Buying Guide 2025: Andalucía costs, taxes & red flags.” 2025. Real Estate Andalusia

- Andalucia-Lawyers. "Costs involved in purchasing property in Spain.” 2024. andalucia-lawyers.com

- Banus Immo. "The cost of buying and owning property in Andalucía.” 2025. banusimmo.com

- Time and Home. "Buying Property in Andalucía, Spain: What taxes will you pay?” 14 May 2025.