Cost calculator
What does this property actually cost?
Enter a price and location and we'll estimate transfer tax or VAT, notary and legal fees, agency commission where relevant, and the ongoing annual costs of owning it.
Where and what are you buying?
Main-home tax rates usually require registering residency in-country.
Italy-specific details
45% of price — cadastral values usually run well below market price; 45% is a reasonable default without the real rendita catastale.
0.86% — set by each comune individually (0.46–1.06% range); 0.86% is a reasonable national default.
Italy — Liguria (e.g. Cinque Terre, Sanremo)
€300,000 property
One-time closing costs
€29,230
9.7% of price
Total cash needed
€329,230
Down payment / price + closing costs
Ongoing annual costs
€1,824
Property tax & typical fees
Purchase taxes
Registration tax — second home rate
9% of cadastral value (estimated at 45% of price since the rendita catastale isn't known yet), minimum €1,000
€12,150
Mortgage & cadastral tax (fixed)
€50 + €50, regardless of price
€100
Fees
Notary fees
Estimate only — typically €2,000–€6,000, scaling with price and complexity. Get a quote from your notaio before relying on this.
€3,600
Independent legal fees (recommended)
Typically €1,000–€3,000 as a service fee, not a fixed % of price
€2,400
Real estate agency commission
Estimate only — typically ~3% of price + 22% VAT if using an agency; treat as an estimate, not a quote
€10,980
Sworn translator
Not needed if you're comfortable signing in Italian
€0
Annual, ongoing
IMU (municipal property tax)
Non-residents always pay IMU — no primary-residence exemption exists for you. ~0.86% of IMU cadastral value, set by your comune (0.46–1.06% range).
€1,474
TARI (waste tax) + misc. municipal fees
€350