What Are the Costs of Buying Property in Andorra? Taxes and Notary
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- La rédaction
The short answer
On top of the purchase price come the property transfer tax (or IGI for a new build), notary and registration fees, possibly agency fees and, for a non-resident, a foreign investment tax of 6 % for a first property.
The cost items
| Item | Who is concerned | Value or principle |
|---|---|---|
| Foreign investment tax | Non-residents and residents of under 3 years | 6 %verified on 09/10/2026 (first property), 10 %verified on 09/10/2026 (beyond that) |
| Property transfer tax (ITP) | Purchase of a second-hand property from an individual | 4 %verified on 09/10/2026 |
| IGI | New home sold by a developer | General rate of 4.5 %verified on 09/10/2026, instead of the ITP |
| Notary and registration | Everyone | See notary fees |
| Estate agency | Depending on the mandate | Stated in the listing |
| Financing | If borrowing | Arrangement fees, guarantees |
How to calculate your total budget
- Start from the sale price.
- Add the foreign investment tax if it applies to you: it is calculated on the real value of the property.
- Add the ITP (second-hand property) or the IGI (new).
- Add notary and registration (quote).
- Add agency, lawyer and financing.
The purchase price itself: see property prices in Andorra.
A sample budget for a 400,000 euro apartment
For a resident, the transfer tax of 4 %verified on 09/10/2026 comes to 16,000 euros. For a non-resident, the tax of 6 %verified on 09/10/2026 on a first property adds 24,000 euros, making 40,000 euros of taxes before notary, agency and financing.
Exemptions
The transfer tax may be waived for a first permanent home up to 360,000 €verified on 09/10/2026, with 5 yearsverified on 09/10/2026 of residence for a foreigner. Gifts between close relatives up to degree 3 degreeverified on 09/10/2026 of kinship are exempt. See costs and taxes.
If the purchase is for letting
The IGI rate of 3.5 %verified on 09/10/2026 applies under conditions: see IGI and buying to let.
Simulating
The purchase cost simulator calculates the total for your situation.
Work out your own case
Free simulators, built on the official values of this page.
- Can I buy in Andorra? Non-resident purchase limit checkerHomes, parking spaces, annexes: does your project stay within the caps?Open
- Rental yield calculator for Andorra (gross, net, payback)Gross and net yield from your data, plus the price-per-m² estimator.Open
- Purchase tax simulator for a non-residentForeign investment tax based on your situation.Open
Frequently asked questions
What are the costs of buying property in Andorra?
Transfer tax or IGI, notary and registration, a possible agency and, for a non-resident, a foreign investment tax of 6 % for a first property.
Who pays the foreign investment tax?
The non-resident buyer (or a resident of under three years), before signing at the notary.
Is a new home taxed like an old one?
No: a new home sold by a developer is subject to IGI (general rate of 4.5 %) instead of the transfer tax.
Going further
Official sources
This information is general and is not personalised legal, tax or financial advice. It is verified as of the date shown and may change.