Independent property intelligence · Spain
The real cost of buying property in Spain.
Independent, data-first property decision platform for international buyers considering property in Spain. Written in English, calculated in euros, and never dependent on you buying anything.
Every figure carries its source
Nothing is published without naming the authority behind it and the date it was checked. Where we have not verified a figure, the page says so instead of estimating.
Independent of the sale
Spain Property Compass is independent of property sales. We do not sell property listings, broker mortgages or take listing fees, and no commercial relationship is allowed to influence editorial content.
Total cost, not the asking price
The asking price is the least useful number in a Spanish purchase. Every tool here works towards the cash you actually need, and what ownership costs each year afterwards.
Start where your question is
Seven sections, each written for a specific stage of a cross-border purchase — from first research to the tax you pay in your second year of ownership.
- Buying PropertyThe purchase process, step by step
- MortgagesFinancing as a non-resident buyer
- Taxes & CostsPurchase, annual and exit costs
- InvestmentYield, buy-to-let and returns
- LocationsRegional market data and costs
- CalculatorsTen tools for the real numbers
- ComparisonsMarkets and costs side by side
- GuidesLong-form, sourced explainers
Ten calculators, no invented rates
Each tool asks you for the rates that apply to your region and lender, shows the arithmetic, and never pre-fills a tax or interest rate we have not verified.
- Purchase Cost CalculatorHow much cash do I actually need to complete on this property?
- Mortgage CalculatorWhat would the monthly payment be, and would a lender accept it?
- Property Tax CalculatorWhat will I owe the Spanish tax authority every year?
- Rental Yield CalculatorWhat does this property actually return once costs are paid?
- Buy-to-Let ROI CalculatorWhat is the total return over my holding period, including the exit?
- Total Cost of OwnershipWhat does keeping this property cost me over the next decade?
Locations, on the numbers
Nine indicators per location — price, tax, fees, yield, licensing and access — each published only once it has been sourced and dated.
- AlicanteCosts, taxes and market data for buyers looking at Alicante city and province.Valencian Community
- Costa BlancaThe coastal strip most international buyers shortlist first — and what it costs to buy there.Valencian Community
- TorreviejaA long-established international buying market on the southern Costa Blanca.Valencian Community
- Orihuela CostaUrbanisation-heavy coastline with distinctive community fee and service considerations.Valencian Community
- MurciaOne of the more affordable mainland regions for international buyers.Region of Murcia
- Costa CálidaThe Murcian coast, including its resort and marina developments.Region of Murcia
The purchase, stage by stage
Eight stages take a foreign buyer from first research to the first year of ownership. Each one links to the section that covers it in detail.
- Stage 1ResearchUnderstand the market, the process and what being a non-resident changes.
- Stage 2BudgetWork out the total cash required, not the asking price.
- Stage 3MortgageDeposit, loan-to-value and affordability as a foreign borrower.
- Stage 4Property searchCompare markets on cost, access and rental characteristics.
- Stage 5Due diligenceRegistry checks, debts, licensing and planning status.
- Stage 6ContractReservation, private contract and the commitments each creates.
- Stage 7CompletionNotary, registration and the costs payable at signing.
- Stage 8OwnershipAnnual taxes, community fees, insurance and maintenance.
How to read this page
- General information
- Explains how a cost, tax or process generally works in Spain, with the authoritative source named.
- Estimate
- A calculated figure based on the inputs and assumptions you can see and change. It is not a quotation.
- Not professional advice
- Nothing here is legal, tax, mortgage or investment advice. Confirm your position with a qualified professional in Spain.
Newsletter
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Rate updates, new calculators and re-verified data — nothing else. Sign-up opens once the email service and consent records are in place; we will not collect addresses before then.
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