Buying costs calculator for the Valencian Community
Enter the price, choose your situation and instantly see how much cash you’ll need at signing and what you’d pay each month. Using the rates in force in November 2026.
Banks usually lend up to 80% for a main residence, and less for non-residents.
Approx. monthly payment
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Cash needed at signing
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- Deposit
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- Purchase taxes
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- Notary, land registry and agency (est.)
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- Mortgage amount
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Reduced rates require a main home (or first home) and, in several cases, income limits. Above €180,000 the higher rate applies to the entire value.
Rates in force in November 2026. The ITP tax base may be the land registry’s reference value if higher than the price. See the costs guide.
Guide figures only, not a financing offer. Taxes depend on your personal circumstances and actual costs may vary.
Rates used by the calculator
| Purchase | Tax | Rate |
|---|---|---|
| Resale, general case | ITP | 9% (11% above €1,000,000) |
| Under 35 or general-scheme VPO, first main home | ITP | 6% up to €180,000; 8% above that figure |
| Large or single-parent families, disability, victims of gender violence or special-scheme VPO | ITP | 3% up to €180,000; 4% above that figure |
| New home | VAT + AJD | 10% + 1.4% (0.1% AJD if it’s your main home) |
| New commercial premises or other property | VAT + AJD | 21% + 1.4% |
The €180,000 and €1,000,000 figures are steps, not bands: once exceeded, the higher rate applies to the entire value.