The property-for-residency route closed in 2025. Buy the asset, not a visa slide.

A municipal licence question with an increasingly restrictive answer. Check the current Madrid rules before you underwrite occupancy.

Spain · EUR

Madrid real estate

Madrid is Spain’s jobs and liquidity hub and its cheapest big-city transfer tax at 6% ITP. Salamanca, Tetuán and the southern cone are three different books.

Barcelona Valencia Málaga Seville Alicante

Nota simple first

Regional ITP mapped

3D map

Madrid

Live listings in Madrid only.

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Price on request

Madrid Nuevo Norte — Madrid

6–10%ITP on resale, set by the región

10% + AJDIVA path on a new-build instead

NIEforeign tax number required before the deed

Nota simplethe first document, not the brochure

Official Spain Real Estate Intelligence

Spanish Real Estate Financial & Tax Intelligence

Statutory closing cost calculators mapped to each Autonomous Community (ITP vs IVA+AJD), Non-Resident IRNR tax analysis (EU 19% net vs Non-EU 24% gross), and Banco de España mortgage affordability rules.

Acquisition Parameters

Property Purchase Price (€ EUR)

Autonomous Community / Region

Financed with Spanish Mortgage?

Total Closing Costs & Taxes

€29,465 (+8.42%)

Total Cash Required (Deed)

€379,465

Transfer Tax (ITP 7%)€24,500

Notary Deed Tariff (Statutory RD 1426/1989)€920

Land Registry Registration (RD 1427/1989)€545

Independent Legal Counsel & Conveyancing (~1%)€3,500

Statutory Buyer Protection: In Spanish residential purchases, agency fees are customarily paid entirely by the vendor. Ensure your conveyancing lawyer orders an updated Nota Simple from the Registro de la Propiedad before paying an arras deposit.

What a purchase really costs

€300,000 home in Madrid

ITP — resale transfer tax (6%): €18,000
Notario (≈0.5%): €1,500
Registro de la Propiedad (≈0.3%): €900
Gestoría & legal (≈1%): €3,000
Cash needed at the notaría: €323,400

≈ +7.8% over the price. ITP is the resale rate and it is regional — the same flat costs four points more in Barcelona than in Madrid. A new-build from a developer pays IVA (10% residential) plus AJD instead, never ITP. Get the nota simple before the deposit: charges and embargoes travel with the property, not the seller.

Rentals run on rules

The rent side, in three lines

Deposit is one month (fianza) plus a limited additional guarantee, and the fianza is lodged with the regional housing body.
Long leases run five years, or seven if the landlord is a company, with statutory tenant renewal — not a one-year rollover.
Zonas tensionadas under the 2023 housing law cap increases in designated municipalities; Catalonia applies them, most of Andalucía does not.

Tourist letting is a municipal licence question, never a portal assumption. Buy the asset, not an occupancy slide.

Cities

Six metros, six tax regimes

Spain devolves transfer tax to the comunidades autónomas. Madrid at 6% and Catalonia at 10% are the same purchase with a €12,000 difference on a €300,000 flat. Each city guide carries its own rate.

Neighborhoods

Areas in Madrid

Area guides with nearest metro, local projects and what each district is known for.

Madrid: population, growth, metro and time zone

ITP on resale at 6%, IVA plus AJD on new-build. Comunidad fees, IBI and the energy certificate belong in the first spreadsheet, not the last. Foreign buyers use an NIE and a notario.

The Comunidad de Madrid has not applied the national zonas tensionadas rent caps, which makes the letting model here materially different from Catalonia’s. That is a policy position, not a permanent law.

This page stays a briefing until verified Madrid listings are live.

Buy in Madrid Rent in Madrid

FAQ

Golden visa?: The property-for-residency route closed in 2025. Buy the asset, not a visa slide.
Short-term rent?: A municipal licence question with an increasingly restrictive answer. Check the current Madrid rules before you underwrite occupancy.

All markets: sivrce.com · Georgia marketplace: sivrce.ge · Prices and availability are published only when a verified listing exists. Market currency: EUR.