On a 700,000 euro home, transfer tax is 71,000 euros in Catalonia and 42,000 in Madrid. Same house, same price, same country.
The rate on a resale home, by region
| Autonomous community | Rate in 2026 |
|---|---|
| Madrid | 6% |
| Canary Islands | 6.5% |
| Andalusia | 7% |
| La Rioja | 7% |
| Aragon | 8-10% |
| Asturias | 8-10% |
| Balearic Islands | 8-13% |
| Castile and Leon | 8-10% |
| Extremadura | 8-11% |
| Galicia | 8% |
| Murcia | 7.75% |
| Cantabria | 9% |
| Castile-La Mancha | 9% |
| Valencian Community | 9% (11% above 1M) |
| Catalonia | 10-13% |
A range means the rate rises in bands, and each band is taxed at its own rate. In Catalonia: 10% up to €600,000, 11% up to €900,000, 12% up to €1.5 million and 13% above that.
At 700,000 euros
| Where you buy | Transfer tax | Against Madrid |
|---|---|---|
| Madrid | 42,000 | — |
| Andalusia | 49,000 | +7,000 |
| Catalonia | 71,000 | +29,000 |
Three things the headline rate hides
| What it means | |
|---|---|
| The 5% rate has an income cap | Catalonia's 5% rate on a main home covers buyers 35 or under, large and single-parent families, and disability of 65% or more. In every case taxable income must not exceed 36,000 euros, a little more for larger families. |
| Large holders pay 20% | Catalonia has charged 20% since 27 June 2025 on purchases by large holders and on whole residential buildings. Buying through a company does not by itself trigger it. |
| A new build is taxed differently | It carries VAT plus stamp duty instead. None of these figures include notary, registry or valuation fees. |
Run it with your own price
The cost calculator applies the bands to a price you type. If the region is not settled yet, that decision comes first — here is the order the rest of the move should follow.