How much transfer tax do you pay in Andalucía?

The general rate for buying a resale home is 7%. A single rate on the whole value.

What if I buy a new build in Andalucía?

You will pay IVA at 10% plus stamp duty, whose general rate is 1,2%.

What value is it calculated on?

Since Ley 11/2021 the taxable base is the Catastro reference value whenever it exceeds the price stated in the deed. The Constitutional Court upheld this unanimously in its ruling 13/2026 of 12 February. If the reference value is lower, the declared price applies.

What if only one of the buyers qualifies?

In Andalucía the reduced rate applies only to the share of whoever qualifies, in proportion to their stake in the purchase.

Transfer tax in Andalucía

General rate of 7% when buying a resale home. A single rate on the whole value.

Calculate your transfer tax

Autonomous community

Purchase price

Catastro reference value (optional)

The tax office calculates the tax on the reference value whenever it exceeds the price you pay.

It is a new build (you pay VAT instead of transfer tax)It will be my main homeTwo of us are buying and only one meets the requirements

Age

Does any of this apply to you?

Large familyDisability (33% or more)Small or depopulating municipality

Transfer tax (ITP)

€14,000

General rate · 7.00% on €200,000

You are close to a lower rate

Buyers under 35

€7,000

The value exceeds the €150,000 limit by €50,000.

Large family

€7,000

Only for large families.

The transfer tax is only one part. What can really cost you money are charges, debts and differences between the listing and the Catastro.

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This calculation is indicative and may contain errors. The rates come from , reviewed on . Always check the information with a qualified professional before making important decisions.

Reduced rates in Andalucía

Main home up to €150,000

The home must be your main residence and worth no more than €150,000.
You must move in within 12 months and live there for at least 3 years.

Buyers under 35

3,5%

Under 35.
Main home of up to €150,000.
In joint purchases the reduced rate applies only to the share of whoever qualifies.

Large family

3,5%

You must hold the large-family certificate (Ley 40/2003).
Main home of up to €250,000.

Disability

3,5%

Disability of the buyer or, since 2026, of a member of their household who will live in the home.
Main home of up to €250,000.

Municipality at risk of depopulation

3,5%

The home must be in an Andalusian municipality at risk of depopulation.
Main home of up to €150,000.

Frequently asked questions

How much transfer tax do you pay in Andalucía?: The general rate for buying a resale home is 7%. A single rate on the whole value.
What reduced rates are there in Andalucía?: Main home up to €150,000: 6%. Buyers under 35: 3,5%. Large family: 3,5%. Disability: 3,5%. Municipality at risk of depopulation: 3,5%.
What if I buy a new build in Andalucía?: You will pay IVA at 10% plus stamp duty, whose general rate is 1,2%.
What value is it calculated on?: Since Ley 11/2021 the taxable base is the Catastro reference value whenever it exceeds the price stated in the deed. The Constitutional Court upheld this unanimously in its ruling 13/2026 of 12 February. If the reference value is lower, the declared price applies.
What if only one of the buyers qualifies?: In Andalucía the reduced rate applies only to the share of whoever qualifies, in proportion to their stake in the purchase.

Source

Decreto-ley 7/2021, de 27 de abril, in force since 4/28/2021. Last reviewed: 9/6/2026.

Read the official text

Transfer tax in other regions

Álava Aragón Asturias Bizkaia Canarias Cantabria Castilla y León Castilla-La Mancha See all 21

And what the deed does not say?

You can calculate the tax. Charges, the seller's debts or square metres that do not match the Catastro, you cannot. Our AI reviews them and explains it to you.

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