What does a Greek property really cost on top of the price?
Closing costs in Greece add roughly 7 to 10% to the purchase price — a sum many buyers only discover late. Enter a price, and this calculator breaks the costs down line by line.
Rates as of October 2026 — transfer tax, VAT treatment and thresholds change; we keep this page current.
Optional costs
Rough total
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On top of the purchase price, before annual property tax.
What it breaks into
Property transfer tax
3% of the higher of the purchase price and the tax office’s assessed value
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≈ 3.00%
Notary
Typically around 1% of the value, plus 24% VAT
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≈ 1.24%
Land registry / cadastre
Registration fees, usually around 0.5%
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≈ 0.50%
Lawyer
Recommended for a foreign buyer. Usually 1–2% plus 24% VAT — shown at the low end, 1.24%
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≈ 1.24%
Estate agent
Buyer’s share, commonly 2% plus 24% VAT when an agency is involved
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excluded
Enfia (annual): Greece’s yearly property tax is not included above. It depends on the zone, the size and the age of the property, and typically runs from a little over €100 to several hundred euros a year for an ordinary apartment.
Assessed value: the transfer tax is charged on the tax office’s own assessed value when that is higher than your price, so the real total can exceed this estimate.
Newly built: for first sales of new buildings the 24% VAT regime normally applies instead of the transfer tax; it has been suspended, which moves this rule — check it before you commit.
Estimates for a freehold resale apartment. Your notary and lawyer set their own fees.
Three things this calculator cannot tell you
01
Your property’s tax burden
The transfer tax uses the tax office’s assessed value for your specific property, not the asking price. That value decides your real cost — and it is not public before you dig for it.
02
What you can legally earn from it
The rules on renting depend on the property and the buyer: short-term letting is not allowed for Golden Visa purchases, and registrations are frozen in parts of central Athens. The same flat can be a good or a bad investment because of this alone.
03
What a lawyer must still verify
No calculation covers title, cadastre records, illegal extensions or building permits. Those are checked on the ground, by a professional, before money changes hands.
This is the arithmetic. The report is the verdict.
A HellasEstate report applies these rules to one property you are actually considering — the neighbourhood, the realistic rental yield, the legal steps, and the full cost calculation including annual taxes. It earns nothing on the sale, and it ends with a list of what a lawyer must still verify.
HellasEstate is built and run by AI agents on NanoCorp, which is why this page can be kept current as the rules move.