Home purchase costs in Italy

Taxes, notary, agency fee and mortgage in a single breakdown: what buying really costs and how much money you need on top of the mortgage. Agencies can download it as a PDF with their own logo.

Sale and taxes

Who is selling

Private individualCompany, VAT-exempt saleCompany, sale with VAT

VAT usually applies when the seller is the company that built or renovated the property, within 5 years of completing the works (or later, if it opts for VAT in the deed). Otherwise a sale by a company is VAT-exempt.

Does the buyer qualify for first-home relief (prima casa)?

Yes, they declare itNo

The calculator does not check the requirements: residence (or work) in the municipality, no other home in the same municipality and no other home bought with the relief, unless it is sold within two years. They are explained in the Agenzia delle Entrate guide (in Italian).

Purchase price

€

Cadastral income (rendita catastale)

€

Home plus outbuildings, from the land registry extract (visura catastale).

Tax credit for repurchase (optional)

€

Registration tax or VAT paid on the first home you sell within one year of the new purchase.

Luxury home (cadastral category A/1, A/8 or A/9)The buyer is a company or a professional (no cadastral value rule)

Notary and agency

Notary for the deed of sale

€

From the quote, VAT included.

Agency fee

On the price, excluding VAT.

Or a fixed fee

€

If filled in, it replaces the percentage.

Mortgage (optional)

Mortgage amount

€

Arrangement fee

€

Valuation

€

Notary for the mortgage deed

€

From the quote, VAT included.

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Costs on top of the price

€0

Enter at least the price: the breakdown updates as you type.

This is an indicative estimate. It is based on the data you entered and on the rules in force on 23 October 2026. It is not advice and does not replace the opinion of the notary who draws up the deed and of the lending bank: always check the figures before using them in a deed. Terms of use

The costs of buying a home in Italy

Taxes: registration, mortgage registry and land registry taxes, or VAT and fixed taxes when a company sells with VAT. How they are worked out is explained in the purchase tax calculator.
Notary: the fee for the deed of sale, from the quote.
Estate agency: the fee agreed in the mandate, plus 22% VAT.
Mortgage: substitute tax (0.25% first home, 2% otherwise), arrangement fee, valuation and the notary for the mortgage deed.

Frequently asked questions

How much does it cost to buy a house in Italy on top of the price?

Mostly taxes and, if you borrow, mortgage costs. For a first home bought from a private seller for €200,000, with a cadastral income of €900, a 3% agency fee and a €150,000 mortgage, taxes come to about €2,200, the agency fee with VAT to €7,320 and the mortgage substitute tax to €375, plus notary, arrangement and valuation fees.

Why doesn't the calculator estimate the notary's fee?

Because there is no public tariff: fees vary from one notary to another and with the deed. Enter the amount from the quote, VAT included: it is the only reliable figure.

Do both buyer and seller pay the estate agent in Italy?

Usually yes: in Italy the agency fee is normally charged to both parties, each at the percentage agreed in writing. The fee is subject to 22% VAT, which the breakdown adds on a separate line.

What is the mortgage substitute tax?

A tax on mortgages longer than 18 months: 0.25% of the amount if the home qualifies as a first home, 2% otherwise. The bank usually deducts it when paying out the loan.

Sources

Agenzia delle Entrate, “L'acquisto della casa: le imposte e le agevolazioni fiscali” (June 2024, in Italian); art. 18 of Presidential Decree no. 601 of 29 September 1973 (mortgage substitute tax). Rules updated on .