What are the taxes and costs of selling a home in 2025?

Do you want to sell your house and don't know how much it will cost you? There really isn't a simulator that automatically calculates it, as it depends on various factors. However, in this article we provide you with all the information so that you can easily and quickly compile all the costs and taxes associated with the sale of your home in 2025. The most common is that the expenses represent between 5% and 15% of the final sale price, although this may vary depending on the autonomous community in which the property is located and the seller's own situation.

Energy certificate: To obtain an energy certificate, a qualified technician is required to measure the values of the house. The approximate average price of an energy efficiency certificate in 2025 ranges from 60 to 130 euros. What affects the cost of this document is the number of square metres: the larger the surface area, the higher the cost.

Habitability certificate: To obtain this document it is also necessary to hire a qualified technician. The cost varies depending on the professional, the home and the fees charged by each local council. In 2025, the average is between 300 and 600 euros, depending on the documentation required.

Mortgage cancellation costs: This cost must be assumed in the event that the property to be sold has a mortgage. The cost of cancelling the mortgage will depend on how and with whom it is done. The cheapest way is to do it yourself (around 400 euros), while an independent agency will charge around 480 euros; putting it in the hands of the bank's agency will mean paying slightly more than 1,000 euros.

Real estate fees: In the event that for the sale of your home you have chosen an estate agent to handle the transaction, the corresponding fees will have to be paid. These will depend entirely on the market (type of property, geographical area, etc.) and the price of the property. Generally, estate agents charge a pre-established percentage of the final sale price of the property.

Personal income tax on the sale of a property: When a property is sold, personal income tax must be paid on the capital gain obtained from the sale. In other words, it is only payable if the property has been sold for a higher price than what was paid when it was purchased and if a capital gain has been obtained. The income obtained is presented in the income tax return of the year following the sale of the property. This is calculated by taking into account the price at which the house was sold, the price at which it was purchased and the expenses incurred in carrying out these operations. Depending on the profits obtained, the amount will be taxed in the IRPF brackets set by the Inland Revenue. However, there are some exceptions to avoid paying IRPF: Being over 65 years old and having sold the main residence or taking out a life annuity if the house sold is a second residence, reinvesting the money from the sale in the purchase of a new property that will be the main residence, giving the house in lieu of payment because you cannot pay the mortgage, people in a situation of severe or great dependency.

Plusvalía municipal : This local tax is payable to the local council where the house belongs for the increase in value of the residence from the time of purchase to the time of sale. It is payable within 30 days of the sale. This tax is levied on the increase in the value of the land, not on the purchase price. To calculate the municipal capital gains tax, the cadastral value of the land, the number of years of ownership of the property and the coefficient or percentage established by the local council must be taken into account.

Taxes on the sale of a property as a non-resident: In 2025, the tax authorities require the buyer to withhold 3% of the purchase price at the time of the deed of sale and pay it on behalf of the seller into the Treasury's coffers as non-resident income tax.