The ladder runs 11%, then 21%, then 30%, then 34%, then 35%.
47%at the top of the ladder
The ladder runs 19%, then 24%, then 30%, then 37%, then 45%, then 47%.
Capital gainswhen you sell
Added to your other income
There is no separate rate: the gain is stacked on your other income in Mexico and taxed in the bands it reaches.
Freeholt does not model a general income ladder for Mexico, so the bands it joins are not shown here.
Added to your other income
There is no separate rate: the gain is stacked on your other income in Spain and taxed in the bands it reaches.
Freeholt does not model a general income ladder for Spain, so the bands it joins are not shown here.
3% of the sale price is held back at settlement from a non resident seller. It counts against the bill rather than adding to it.
Annual property taxevery year you hold it
0.10%a year on the property value
0.66%a year on the assessed value
Charged on the official assessed value rather than the market price, which is typically nearer 50% of it.
Duty on purchaseone off, on the way in
3%averageof the price, on average
This headline is a national average. The published rule is regional or banded, so enter a price to see what it actually charges.
Acquisition tax (ISAI) 2 to 5% by state (~3% used) + notary. NOT modelled per state, deliberately: ISAI is set by each MUNICIPALITY in its annual Ley de Ingresos and re gazetted every year, and for Mexico City it is a fixed fee plus marginal table republished each January whose published effective top rate is disputed between sources. There is no stable primary table to price from, and the coastal municipalities where foreign buyers actually buy sit at the 2 to 3% end, which is what the 3% here represents. Coastal/border property: fideicomiso trust setup ~USD 1 to 2k + ~USD 500 to 800/yr. Municipal predial is very low (~0.1%).
8%averageof the price, on average
This headline is a national average. The published rule is regional or banded, so enter a price to see what it actually charges.
ITP on a resale is set by the autonomous community and priced per region (ES_ITP_BY_COMMUNITY, with Catalonia on its own progressive ladder): 4% in the Basque Country to 13% at the top of the Catalan scale. A NEW build is outside ITP and pays 10% IVA plus AJD instead. ITP on resale is regional (~6 to 13%); new builds pay 10% VAT + ~1.5% AJD. IBI ≈0.4 to 1.1% of the valor catastral. Enter the cadastral value for an exact figure (≈50% of market assumed otherwise). A PROPOSED 100% non EU buyer surcharge is not law and not computed.
House pricesaverage change a year, last ten years
8.3%a year, on its own national series
The last 5 years: 2021 +8.5% · 2022 +10.4% · 2023 +10.1% · 2024 +8.7% · 2025 +8.9%.
Source: BIS residential property prices, nominal, national, local currency, fourth quarter over fourth quarter (FRED mirrors it as Q<CC>N628BIS).
6.4%a year, on its own national series
The last 5 years: 2021 +6.3% · 2022 +5.5% · 2023 +4.3% · 2024 +11.3% · 2025 +12.9%.
Source: BIS residential property prices, nominal, national, local currency, fourth quarter over fourth quarter (FRED mirrors it as Q<CC>N628BIS).
The same purchase in both
Mexico, on MX$16,958,235
MX$508,747Duty on the way in
MX$16,958Annual property tax
Spain, on €860,230
€68,818Duty on the way in
€2,839Annual property tax
Priced at $1,000,000, converted at rates of 2026-09-08 and held there so the example does not drift.
This is the country. Your own price, loan and years held are the other half.