# Spain Property Tax Calculator & Guide > Clear and reliable information on property taxes in Spain for buyers, owners and investors ## Posts - [Buying Off-Plan Property on the Costa del Sol: Taxes, Financing & Payment Process](https://spainpropertytax.com/buying-off-plan-property-on-the-costa-del-sol-taxes-financing-payment-process/): Buying an off-plan property on the Costa del Sol is financially very different from purchasing a resale home. Instead of paying the full purchase price at the notary, buyers normally make a reservation payment followed by several staged payments during construction. The final balance is paid when the development is completed and the property is transferred to the buyer. The taxes are different too. Buyers of new properties purchased directly from a developer generally do not pay Property Transfer Tax (ITP). Instead, the purchase is normally subject to Value Added Tax (IVA) and Stamp Duty (AJD). Financing can also be more […] - [Valor Catastral Spain: What It Means and Why It Matters](https://spainpropertytax.com/valor-catastral-spain/): The valor catastral in Spain is the official value assigned to a property by the government. It is used to calculate several taxes, including IBI and non-resident income tax. This value is typically lower than the market price and is determined based on factors such as: You can find the valor catastral on your IBI receipt or cadastral certificate. Why it matters: Understanding your valor catastral helps you estimate your ongoing tax obligations accurately. - [IVA Spain Property: VAT on New Build Homes](https://spainpropertytax.com/iva-spain-property-tax/): IVA in Spain (Impuesto sobre el Valor Añadido) is the tax applied when buying a new build property directly from a developer. The standard rate for residential property is 10%, making it a key cost to consider when investing in new developments. In addition to IVA, buyers must also pay AJD (stamp duty), usually between 1% and 1.5%, depending on the region. Example: Key points: New builds often offer strong value, but IVA must always be factored into your budget. You pay ITP for second-hand properties; there is no IVA. - [IBI Spain: Property Tax Explained for Homeowners](https://spainpropertytax.com/ibi-spain-property-tax/): IBI in Spain (Impuesto sobre Bienes Inmuebles) is an annual property tax paid by all property owners. It is one of the most important ongoing costs when owning real estate in Spain. The tax is charged by the local municipality and is based on the valor catastral (cadastral value) of the property, not the market value. This means that IBI is usually lower than property taxes in many other countries. IBI rates typically range between 0.4% and 1.3%, depending on the location. For example, coastal areas like Costa del Sol often fall within the mid-range. Payment is usually due once per […] - [ITP Spain: Transfer Tax When Buying Property](https://spainpropertytax.com/itp-spain-property-transfer-tax/): ITP in Spain (Impuesto sobre Transmisiones Patrimoniales) is the main tax you pay when buying a resale property. Unlike new builds, resale properties are not subject to VAT but instead to ITP, which varies depending on the region. In most areas, the rate ranges between 7% and 10% of the purchase price. For example: ITP must be paid within 30 days after signing at the notary. Key points: ITP is one of the biggest upfront costs and should always be included in your investment calculation. - [Property Tax in Spain: Complete Guide for Foreign Buyers (2026)](https://spainpropertytax.com/property-tax-in-spain-complete-guide/): Buying property in Spain is straightforward once you understand the tax system. While most foreign buyers are not surprised by the process itself, they are often taken aback by the number of different taxes involved. As we work daily with international clients, lawyers and notaries in the Costa del Sol, we often find that the same questions arise: “What taxes do I pay when buying? What will I pay every year? What if I rent or sell?‘” This guide provides clear explanations using simple language and real-life examples from Andalusia and Málaga. Do You Pay Property Tax in Spain? Yes, Spain […] - [Taxes When Buying Property in Spain: ITP, VAT & AJD Explained](https://spainpropertytax.com/taxes-when-buying-property-in-spain/): When buying a property in Spain, it is important to be aware of the key taxes involved, as this can save you time, stress and money. ⏳ Important: you typically have 30 days after signing at the notary office to pay these taxes. 💡 What you need: – A Spanish bank account (to pay taxes locally) – An NIE number – Legal support or guidance From experience, having a digital certificate (firma digital) is a real advantage — it allows you to handle most procedures online and bypass a lot of bureaucracy. 📊 After purchase: It is highly recommended that you […] - [Non-Resident Property Tax in Spain: Rental Income & Obligations](https://spainpropertytax.com/non-resident-property-tax-spain/): If you own property in Spain as a non-resident, you have ongoing tax responsibilities — especially if you rent it out. The good news is that… Once you understand the key rules and forms (‘Modelos’), the process becomes predictable and manageable. On the Costa del Sol Real Estate market, we work closely with non-tax residents buying homes on a daily basis This guide breaks everything down simply, providing real insights from real practice on the Costa del Sol. Who Is Considered a Non-Resident? You are a non-resident for tax purposes if: This applies to most international property owners. Main Taxes for […] - [Annual Property Taxes in Spain: IBI, Wealth Tax & Ongoing Costs](https://spainpropertytax.com/annual-property-tax-spain/): Owning property in Spain incurs ongoing annual costs. Although purchase taxes are a one-time expense, it is the yearly costs that have an impact on your long-term investment and lifestyle, especially in popular areas such as Málaga and Marbella in Andalusia. 1. IBI (property tax) The IBI (Impuesto sobre Bienes Inmuebles) is the main annual property tax in Spain. It is paid once per year to the local municipality and is based on the cadastral value (not the market value). The typical rate is: 0.4%–1.1%. Example: If your cadastral value is €200,000, you will pay approximately €800–€2,200 per year. 2. Wealth […] - [Capital Gains Tax in Spain: Selling Property & Latest Tax Updates](https://spainpropertytax.com/capital-gains-tax-spain-property/): Most buyers in Spain focus on entry costs. Smart investors, however, look at the exit taxes and fees. This is because taxes and fees can significantly reduce your profit when you sell — or even create a loss if prices don’t increase enough. What Taxes Do You Pay When Selling Property in Spain? When selling property, you typically face: Capital Gains Tax (CGT) Plusvalía Municipal Capital Gains Tax (CGT) Real Example: Break-Even Scenario Let’s say you buy and sell a property at the same price: Purchase: Sale: 👉 Net after sale: €93,000 Final Result: 👉 Loss: €17,000 What Does This Mean? […] ## Pages - [Terms and Conditions](https://spainpropertytax.com/terms-and-conditions/) - [Privacy Policy](https://spainpropertytax.com/privacy-policy/): Effective date: May 2026 Who We Are Our website address is: This website provides informational content related to property taxes, real estate taxation, ownership costs, and property-related guides in Spain. The website operates as an informational platform and does not require visitors to create accounts or provide personal information. Information We Collect We do not actively collect personal information such as: We only collect limited anonymous technical information necessary for website functionality and website analytics. This may include: Analytics We use Google Analytics to understand how visitors use our website and improve content and user experience. Google Analytics may collect anonymous […] - [Blog](https://spainpropertytax.com/blog/) - [Property Tax Calculator for Spain: Clear Guidance for Foreign Buyers, Owners & Investors](https://spainpropertytax.com/): Spain Property Taxes · Updated for 2026 Know the taxes before you commit to a property in Spain Estimate the main purchase taxes, understand annual ownership costs and find clear guidance for resale homes, new developments, non-resident owners and property sellers. Calculate Property Taxes Read the Complete Tax Guide Clear explanations Regional estimates Guidance for foreign buyers Ⅱ Pause video 01 Estimate your taxes Use the property tax calculator 02 Understand each stage Buying, owning and selling 03 Explore tax guides ITP, IVA, IBI and cadastral value Start with the essentials Property tax in Spain, explained without the confusion The amount […] ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/spainpropertytax.com/mcp) [comment]: # (Generated by Hostinger Tools Plugin)