Total Cost of Buying Property in Spain: Worked Examples 2026 (Resale, New-Build, Inland)
Three line-by-line worked examples — a 180,000 € resale in Torrevieja, a 425,000 € new-build in Orihuela Costa and a 120,000 € country house in inland Alicante — showing every tax, fee and hidden cost in 2026, with direct links to our Spanish purchase-costs calculator.
Three real scenarios, line by line
Theory on Spanish property taxes is everywhere; concrete numbers are not. This article models three 2026 transactions that cover 80 % of what foreign buyers actually purchase on the Costa Blanca and inland Alicante. Each example uses the Valencian Community rates and links to our [purchase-costs calculator](/en/tools/purchase-costs) so you can adjust the inputs in real time.
If you also need to finance the property, plug the loan into our [Spanish mortgage calculator for non-residents](/en/tools/mortgage).
Example 1 — Resale apartment, Torrevieja, 180,000 €
A two-bedroom apartment 400 m from Playa del Cura, bought outright (no mortgage).
| Concept | Amount |
| --- | --- |
| Purchase price | 180,000 € |
| ITP 10 % (Comunidad Valenciana) | 18,000 € |
| Notary | 750 € |
| Land Registry | 500 € |
| Gestoría | 400 € |
| Independent lawyer (1 % + IVA) | 2,178 € |
| First-year IBI (apportioned) | 280 € |
| Community fees set-up | 150 € |
| Bank certificate of non-residence | 20 € |
| Total day-of-signing budget | ≈ 202,278 € |
| Extra cost vs price | +12.4 % |
Recurring 2026 costs estimated at 1,400 € – 2,000 € / year (IBI, basura, community, IRNR Modelo 210, home insurance).
Example 2 — New-build villa, Orihuela Costa, 425,000 €
Off-plan villa delivered by a developer in 2026, financed with a 60 % mortgage.
| Concept | Amount |
| --- | --- |
| Purchase price | 425,000 € |
| IVA 10 % | 42,500 € |
| AJD 1.5 % (Comunidad Valenciana) | 6,375 € |
| Notary (purchase deed) | 1,100 € |
| Land Registry | 750 € |
| Gestoría | 600 € |
| Independent lawyer (1 % + IVA) | 5,143 € |
| Mortgage valuation | 450 € |
| Mortgage arrangement fee (0.5 %) | 1,275 € |
| Mandatory home + life insurance (year 1) | 850 € |
| FX cost on 170,000 € own funds (0.5 % via broker) | 850 € |
| Total day-of-signing budget | ≈ 484,893 € |
| Extra cost vs price | +14.1 % |
Note: under Law 5/2019, the bank pays the mortgage notary, mortgage registry, mortgage gestoría and AJD on the mortgage. AJD on the purchase deed of a new-build still falls on the buyer.