Calculator

What it costs to buy a property in Greece, on top of the price

Transfer tax or VAT, fees and how much cash you need besides the loan, with the legal source under every line. The calculation runs on your device, with your own figures and no sign-up.The same calculations as the PROPERWISE app. Indicative, not an official document. It applies Greek tax law for 2026.

The property

Price

The amount on the contract.

Objective value

If it is higher than the price, tax is calculated on it. Leave blank: same as the price.

New build from a developer?

First home

First-home exemption?

There are conditions, including not already owning a home that meets your needs and keeping the property for five years.

Fees and charges

Land registry

The amount given by the Hellenic Cadastre or the notary. The calculator does not add an amount of its own.

Agent’s fee

Percentage of the price before VAT; VAT of 24% is added. Zero without an agent.

Notary

The quoted amount before VAT. The calculator does not add an amount of its own.

Lawyer

Before VAT. Zero if you do not hire a lawyer.

Other costs

Certificates, engineer, valuation, as you pay them.

Financing

Loan

Zero if you are buying with cash.

PROPERWISE3 Nov 2026

Property buying costs

Price €200,000.00 · Tax base €200,000.00 · Type Resale · Loan €150,000.00

Buying costs

€6,180.00

Of the price

3.09%

Cash on top of the loan

€56,180.00

Transfer tax: €6,180.00; 3% on €200,000.00, the higher of price and objective value, plus 3% of the tax for municipalities. Source: Law 5219/2025, Articles 25 and 27 (Greek).
Total buying costs: €6,180.00

Not included: land registry fees, the agent’s fee, the notary’s fee and the lawyer’s fee. Enter the amounts from your quotes to add them to the total.

Price: €200,000.00
Loan: −€150,000.00
Down payment: €50,000.00
Buying costs: €6,180.00
Cash you need: €56,180.00

The calculation assumes the loan covers only the price and that the costs are paid from your own money. It does not include loan costs (application, valuation, lien registration). The monthly payment on €150,000.00 is shown by the mortgage calculator.

What it includes and what it doesn’t. Transfer tax and VAT on new builds come from the statutory rates, with the source under each line. Land registry fees and the agent’s, notary’s and lawyer’s fees go in as you enter them. Exemption limits for disability and the purchase of land are not included. It is an estimate to give you the order of magnitude, not tax advice.

properwise.gr/en/property-purchase-costs

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FAQ

What people ask before they calculate

What is the transfer tax on a property in Greece?+

3% on the higher of the price and the objective value, plus 3% of that tax for municipalities (Law 5219/2025). A first-home exemption applies under conditions.

Do new builds pay VAT?+

New builds sold by a developer are subject to VAT of 24%. At the developer’s request, VAT is suspended until 31 Dec 2026 and you pay transfer tax instead (Article 70, as amended by Law 5246/2025). Ask the seller whether the suspension applies.

What is the objective value?+

The value the Greek state sets for each property from the zone price, size and features. Transfer tax is calculated on it when it is higher than the agreed price.

Why are notary and land registry fees not filled in?+

Because they depend on the quote and the specific property. The calculator uses only what you enter, so the total never includes a guessed amount.

Is my data stored?+

No. The calculation runs on your device and we keep no amount in an account or database. Amounts go into the page address only so that you can share it; you need neither an email nor an account.

Text and examples: the Properwise team.