How much transfer tax do you pay in Madrid?

The general rate for buying a resale home is 6%. A single rate on the whole value.

What reduced rates are there in Madrid?

Main-home rebate: 6% (−10 %). Reduced rate for large families: 4%. 100% rebate for young buyers in small municipalities: 6% (−100 %).

What if I buy a new build in Madrid?

You will pay IVA at 10% plus stamp duty, whose general rate is 0,75%.

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.

Transfer tax in Madrid

General rate of 6% 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 home

Age

Does any of this apply to you?

Large familyProtected housing (VPO)Small or depopulating municipality

Transfer tax (ITP)

€10,800

Main-home rebate · 5.40% on €200,000

You save €1,200 against the general rate.

You are close to a lower rate

100% rebate for young buyers in small municipalities

€0

Depends on your age.

Reduced rate for large families

€8,000

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 Madrid

Main-home rebate

−10% of the quota

The home must be your main residence.
The value may not exceed €250,000 (counting the home, 2 parking spaces and the storage room).
Not compatible with the 4% large-family rate.

Reduced rate for large families

You must hold the large-family certificate (Ley 40/2003).
The home must be the family's main residence.
The previous main home, if any, must be sold within the two years before or after the purchase.

100% rebate for young buyers in small municipalities

−100% of the quota

Under 35.
The municipality must have fewer than 2,500 inhabitants.
The home must be your main residence and worth no more than €250,000.

Frequently asked questions

How much transfer tax do you pay in Madrid?: The general rate for buying a resale home is 6%. A single rate on the whole value.
What reduced rates are there in Madrid?: Main-home rebate: 6% (−10 %). Reduced rate for large families: 4%. 100% rebate for young buyers in small municipalities: 6% (−100 %).
What if I buy a new build in Madrid?: You will pay IVA at 10% plus stamp duty, whose general rate is 0,75%.
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.

Source

Decreto Legislativo 1/2010, de 21 de octubre (TR de tributos cedidos), in force since 10/25/2010. Last reviewed: 9/6/2026.

Read the official text

Transfer tax in other regions

Álava Andalucía Aragón Asturias Bizkaia Canarias Cantabria Castilla y León 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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