Transfer tax in Cantabria
General rate of 9% when buying a resale home. A single rate on the whole value.
Calculate your transfer tax
The tax office calculates the tax on the reference value whenever it exceeds the price you pay.
Transfer tax (ITP)
€14,000
Main home · 7.00% on €200,000
You save €4,000 against the general rate.
You are close to a lower rate
Only for people with a disability of 65% or more.
Depends on your age.
The transfer tax is only one part. What can really cost you money are charges, debts and differences between the listing and the Catastro.
Analyse the property with AIThis 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 Cantabria
Main home
7% up to €300,000 · 9% from €300,000- The home must be your main residence.
- The 7% applies up to €300,000; only the part above that is taxed at 9%.
Buyers under 40
4% up to €300,000 · 9% from €300,000- Under 40 on the purchase date.
- In a joint purchase the reduced rate applies only to those meeting the age condition, in proportion to their share.
Large or single-parent family
4% up to €300,000 · 9% from €300,000- Large-family certificate (or spouse) or single-parent family certificate under Decreto 26/2019.
Disability between 33% and 65%
4% up to €300,000 · 9% from €300,000- Degree of disability of 33% or more and under 65%.
Disability of 65% or more
3% up to €300,000 · 9% from €300,000- Degree of disability of 65% or more.
Publicly protected housing
4% up to €300,000 · 9% from €300,000- Publicly protected housing without the exemption of art. 45 TRLITPAJD.
Municipality at risk of depopulation
4% up to €300,000 · 9% from €300,000- The municipality must appear in Cantabria's order listing municipalities at risk of depopulation.
Frequently asked questions
- How much transfer tax do you pay in Cantabria?
- The general rate for buying a resale home is 9%. A single rate on the whole value.
- What reduced rates are there in Cantabria?
- Main home: 7% up to €300,000 · 9% from €300,000. Buyers under 40: 4% up to €300,000 · 9% from €300,000. Large or single-parent family: 4% up to €300,000 · 9% from €300,000. Disability between 33% and 65%: 4% up to €300,000 · 9% from €300,000. Disability of 65% or more: 3% up to €300,000 · 9% from €300,000. Publicly protected housing: 4% up to €300,000 · 9% from €300,000. Municipality at risk of depopulation: 4% up to €300,000 · 9% from €300,000.
- What if I buy a new build in Cantabria?
- You will pay IVA at 10% plus stamp duty, whose general rate is 1,5%.
- 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 Cantabria the reduced rate applies only to the share of whoever qualifies, in proportion to their stake in the purchase.
Source
Decreto Legislativo 62/2008 (TR de tributos cedidos), redacción de la Ley de Cantabria 5/2026, de 28 de abril, in force since 5/1/2026. Last reviewed: 9/6/2026.
Read the official textTransfer tax in other regions
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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