Purchase from a private seller
A sale not subject to VAT is normally charged registration tax, mortgage registration tax and cadastral tax. With first-home relief, registration tax is generally calculated at a reduced rate.
CasaBrique · Tools for buyers
Home purchase tax and cost calculator
Estimate the main taxes on a home purchase and, in advanced mode, add appurtenances, mortgage costs, notary fees, agency fees and other expenses.
Shows only the information needed to estimate the main purchase taxes.
1Purchase details
Who is selling the property?
Select this only if all legal requirements are met.
Enter the cadastral income before the statutory 5% increase.
Notice and limitation of liability.
This tool is provided by CasaBrique solely for information and produces an indicative estimate based on the data entered by the user.
It is not tax, legal, notarial, banking or financial advice, nor a binding quotation.
- Amounts may vary according to current law, the tax treatment of the transaction, the property documents and the terms applied by the notary, lender, surveyors and other professionals.
- The user is responsible for the accuracy and completeness of the information entered.
- CasaBrique does not guarantee that the estimate is free from errors or omissions, or that it reflects later legal changes, and accepts no liability for decisions, costs or consequences arising from its use.
- Before making commitments or signing documents, the figures must be checked with the notary, tax adviser, lender and other appointed professionals.
Quick guide
How are taxes on a home purchase calculated?
Property purchase taxes mainly depend on three factors: the type of seller, eligibility for first-home relief and whether the price-value system applies.
Purchase from a business
When the sale is subject to VAT, VAT is calculated on the declared price. Registration, mortgage registration and cadastral taxes are normally fixed amounts.
Appurtenances
Garages, storage rooms and covered structures may affect the calculation. Where the conditions are met, first-home relief may extend to one unit in each of categories C/2, C/6 and C/7.
Mortgage and other costs
Initial costs may also include substitute tax, application and valuation fees, insurance, notary fees, estate agency fees and technical checks.
What costs arise in addition to the purchase price?
In addition to the property price, consider taxes, notary fees, any estate agency fee, mortgage costs, technical checks, preliminary-contract formalities and other expenses. The total depends on the transaction and professional quotations.
Frequently asked questions
FAQ on property purchase taxes
What taxes are payable when buying a home?
The main taxes are either registration tax or VAT, plus mortgage registration tax and cadastral tax. The tax treatment depends on the seller, first-home eligibility and the property category.
How does the price-value system work?
Where applicable, registration tax is calculated on the cadastral value rather than the declared price. The calculator uses the unrevalued cadastral income entered by the user.
Can appurtenances qualify for first-home relief?
One C/2, one C/6 and one C/7 appurtenance may qualify, provided they serve the home and all other requirements are met.
Does the estimate include notary and agency fees?
Yes. In advanced mode you can enter quotations for the notary, estate agency, surveyor, preliminary contract and other expenses.
Is the result legally or fiscally binding?
No. It is an informational estimate. The amounts must be checked with the notary, lender, tax adviser and other appointed professionals before making commitments.
Additional checklist for foreign buyers
Foreign buyers normally need an Italian tax identification number (codice fiscale) to complete a property purchase and related tax formalities. A non-resident foreign citizen can apply through the competent Italian consulate, directly at an Italian Revenue Agency office, or through an authorised representative using the appropriate application form.
- Italian tax code: obtain the codice fiscale before signing the deed or opening related banking and utility arrangements.
- Valid identity document: passport or, where accepted, a national identity card.
- Marital-status and personal details: provide consistent names, place and date of birth, address and marital-property regime.
- Power of attorney: needed when another person signs or completes formalities on the buyer's behalf; foreign documents may require legalisation or an Apostille and an Italian translation.
- Language support: when the buyer does not understand Italian, the notary may require a translated deed and/or an interpreter.
- Traceable funds and banking documents: prepare evidence of payment methods, source of funds and any mortgage documentation requested for anti-money-laundering checks.
- Notarial eligibility check: ask the notary to verify any rules affecting a non-resident buyer, including legal capacity, representation and, where relevant, reciprocity requirements.
Requirements vary according to nationality, residence, the documents issued abroad and the individual transaction. Confirm the final checklist with the appointed Italian notary.
CasaBrique advice
Are you considering buying a property?
Speak to an adviser about costs, documentation, financing and the affordability of the transaction.