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How much does it cost to sell a property in the Costa Brava in 2026? A guide to expenses and taxes

Selling a house in the Costa Brava is, for many, the most important financial operation of the year. However, the price that appears in the deposit contract (arras) is not the "net" amount that will reach your bank account. In 2026, with the updated tax regulations in Catalonia and new operating costs, it is vital to do the math before signing.

Here is the breakdown of what you will actually pay when selling your home this year.

1. Personal Income Tax (IRPF): Capital Gains

If you reside in Spain, this is the main tax. It is paid on the difference between the acquisition value (how much you bought it for) and the transmission value (how much you sell it for).

• 2026 Key Tip: Remember that you can deduct the costs of justified renovation invoices and real estate agency fees to reduce the tax base.
• Exemptions: If you are over 65 and selling your primary residence, or if you reinvest the money in another primary residence, you could be exempt.

2. Municipal Capital Gains Tax (IIVTNU)

This tax depends on the Town Hall (Castell-Platja d'Aro, Sant Feliu de Guíxols, Palamós, etc.). It taxes the increase in the value of the land during the years you have been the owner.

• In 2026, the town halls of the Costa Brava have adjusted their coefficients. It is essential to request a prior calculation to avoid surprises in the final budget.

3. Mortgage Cancellation Costs

If your house still has a pending mortgage, you must cancel it in the registry. This involves:

• Cancellation commission (if your bank has one).
• Notary and registry fees to leave the property free of charges.

4. Mandatory Certificates in Catalonia

To sell in the Costa Brava in 2026, you need to have the following up to date:

• Habitation Certificate (Cèdula d'Habitabilitat): It expires every 15 years. You cannot sell without it.
• Energy Efficiency Certificate (CEE): Mandatory for advertising and the deed.
• Certificate of Community Debts: To prove that you are up to date with payments.

5. Non-Resident Income Tax (IRNR)

If you sell your property but do not reside fiscally in Spain (French, Dutch, or English buyers, for example), the buyer must withhold 3% of the sale price and pay it to the Tax Agency on your behalf.

6. Real Estate Agency Fees

Having professionals like Immogrupstar is not an expense; it is an investment to avoid legal errors that cost thousands of euros. Furthermore, in 2026, advanced digital marketing and the filtering of international clients are essential to close the sale at the best price.

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