{"id":21479,"date":"2026-02-25T18:41:32","date_gmt":"2026-02-25T17:41:32","guid":{"rendered":"https:\/\/brokla.com\/?page_id=21479"},"modified":"2026-06-07T12:52:05","modified_gmt":"2026-06-07T10:52:05","slug":"costes-anuales-de-poseer-una-vivienda-en-espana","status":"publish","type":"page","link":"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/","title":{"rendered":"Gastos anuales de ser propietario de una vivienda en Espa\u00f1a: Gu\u00eda definitiva 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Annual Costs of Owning a Spanish Home: The Mediterranean dream often starts with a search for the perfect villa in <a href=\"https:\/\/brokla.com\/villajoyosa-real-estate-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Villajoyosa<\/a> or a chic apartment in <a href=\"https:\/\/brokla.com\/benidorm-vs-alicante-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alicante<\/a>. However, savvy investors know that the purchase price is only the first chapter. To maintain a property in Spain successfully, you must account for a web of taxes, community obligations, and fluctuating utility costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As we move through <strong>2026<\/strong>, new regulations regarding waste management taxes and regional tax shifts (such as the Valencian Law 5\/2025) have altered the financial landscape. This guide provides a granular, 1,500-word deep dive into every Euro you will spend to keep your Spanish home running.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"brokla-key-takeaways\" style=\"background:#f4f8fb;border-left:4px solid #1a7ab8;padding:18px 22px;margin:24px 0;border-radius:6px;\">\n<p style=\"margin:0 0 10px;font-weight:700;font-size:1.05em;\">Key Takeaways<\/p>\n<ul style=\"margin:0;padding-left:20px;\">\n<li><strong>IBI (property tax) is 0.3&ndash;1.1% of the cadastral value<\/strong> &mdash; for example about &euro;720\/year on a &euro;120,000 cadastral townhouse.<\/li>\n<li><strong>Non-residents also pay imputed income tax<\/strong> (IRNR, Modelo 210) at 19%, filed by 31 December each year.<\/li>\n<li><strong>New 2026 waste tax (Tasa de Basura):<\/strong> typically &euro;120&ndash;&euro;180\/year, though luxury villas can exceed &euro;400.<\/li>\n<li><strong>Community fees:<\/strong> &euro;40&ndash;&euro;70\/month (no pool), &euro;80&ndash;&euro;150 (pool\/gardens), &euro;200&ndash;&euro;450 (luxury resort).<\/li>\n<li><strong>Always budget an extra 10% for a possible derrama<\/strong> (an extraordinary community levy for major repairs).<\/li>\n<li><strong>Electricity bills remain high<\/strong> after the full 21% VAT was reinstated in 2026.<\/li>\n<\/ul>\n<\/div>\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Alternar tabla de contenidos\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#1_Government_and_Municipal_Taxes\" >1. Government and Municipal Taxes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#IBI_Impuesto_sobre_Bienes_Inmuebles\" >IBI (Impuesto sobre Bienes Inmuebles)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Non-Resident_Income_Tax_IRNR_%E2%80%93_Modelo_210\" >Non-Resident Income Tax (IRNR \u2013 Modelo 210)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#The_New_%E2%80%9CTasa_de_Basura%E2%80%9D_Waste_Tax_2026\" >The New &#8220;Tasa de Basura&#8221; (Waste Tax) 2026<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#2_Community_of_Owners_Gastos_de_Comunidad\" >2. Community of Owners (Gastos de Comunidad)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#What_is_Covered\" >What is Covered?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#2026_Cost_Estimator\" >2026 Cost Estimator<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#3_Utility_Costs_in_2026\" >3. Utility Costs in 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Electricity_Luz\" >Electricity (Luz)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Water_Agua\" >Water (Agua)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Connectivity_Internet\" >Connectivity (Internet)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#4_Maintenance_and_Insurance\" >4. Maintenance and Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Home_Insurance_Seguro_de_Hogar\" >Home Insurance (Seguro de Hogar)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Pool_and_Garden_Care\" >Pool and Garden Care<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#5_Wealth_Tax_Considerations_2026_Update\" >5. Wealth Tax Considerations (2026 Update)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Summary_Table_Estimated_Annual_Budget_Mid-Range_Apartment\" >Summary Table: Estimated Annual Budget (Mid-Range Apartment)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Verified_Useful_Resources\" >Verified Useful Resources:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Conclusion_Planning_for_Success\" >Conclusion: Planning for Success<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#How_much_is_property_tax_IBI_in_Spain\" >How much is property tax (IBI) in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#Do_non-residents_pay_tax_on_a_property_they_dont_rent_out\" >Do non-residents pay tax on a property they don&#8217;t rent out?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#What_is_the_new_waste_tax_Tasa_de_Basura_in_2026\" >What is the new waste tax (Tasa de Basura) in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#How_much_are_community_fees_in_Spain\" >How much are community fees in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/brokla.com\/es\/costes-anuales-de-poseer-una-vivienda-en-espana\/#What_is_a_derrama\" >What is a derrama?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Government_and_Municipal_Taxes\"><\/span>1. Government and Municipal Taxes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Taxation is the largest recurring cost for property owners. In Spain, taxes are split between the municipal level (town hall) and the national level (Tax Agency).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IBI_Impuesto_sobre_Bienes_Inmuebles\"><\/span>IBI (Impuesto sobre Bienes Inmuebles)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_824ba46fb79064e1-32\">The IBI is Spain\u2019s version of property tax.<sup><\/sup> It is a mandatory annual payment to the local <em>Ayuntamiento<\/em>.<sup><\/sup>+1<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Calculation:<\/strong> It is based on the <em>valor catastral<\/em> (the administrative value of the land and building), which is usually significantly lower than the market value.<\/li>\n\n\n\n<li><strong>2026 Rates:<\/strong> Municipalities set their own rates within a state-mandated range of <strong>0.3% to 1.1%<\/strong>.<\/li>\n\n\n\n<li><strong>Example:<\/strong> For a townhouse in the Costa Blanca with a cadastral value of \u20ac120,000, an IBI rate of 0.6% results in an annual bill of <strong>\u20ac720<\/strong>.<\/li>\n\n\n\n<li><strong>Due Date:<\/strong> Usually between September and November. Missing this deadline triggers an immediate 5% surcharge, which can rise to 20% plus interest if left unpaid.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Non-Resident_Income_Tax_IRNR_%E2%80%93_Modelo_210\"><\/span>Non-Resident Income Tax (IRNR \u2013 Modelo 210)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_824ba46fb79064e1-35\">If you do not live in Spain more than 183 days a year, you are a non-resident.<sup><\/sup> Even if you don&#8217;t rent your property out, the Spanish government &#8220;imputes&#8221; an income on the home.<sup><\/sup>+1<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The &#8220;Empty Home&#8221; Tax:<\/strong> You are taxed on a percentage of the cadastral value (usually 1.1% or 2%).<\/li>\n\n\n\n<li><strong>Tax Rate:<\/strong> In 2026, both EU and non-EU residents are generally taxed at <strong>19%<\/strong> on this imputed amount.<\/li>\n\n\n\n<li><strong>Annual Filing:<\/strong> This must be filed via <strong>Modelo 210<\/strong> by December 31st each year for the previous year. For more on how to manage your residency status, see our <a href=\"https:\/\/brokla.com\/spanish-property-taxes-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Spanish Property Taxes 2026<\/a> page.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_New_%E2%80%9CTasa_de_Basura%E2%80%9D_Waste_Tax_2026\"><\/span>The New &#8220;Tasa de Basura&#8221; (Waste Tax) 2026<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Following the 2025 deadline for Law 7\/2022, nearly every municipality in Spain has updated its trash collection fees to reflect the &#8220;real cost&#8221; of recycling.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2026 Average:<\/strong> Expect to pay between <strong>\u20ac120 and \u20ac180 per year<\/strong>, though luxury villas in high-waste generation areas can see bills exceeding <strong>\u20ac400<\/strong>.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1280\" height=\"598\" src=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/photo_15_2026-01-31_20-32-10.jpg\" alt=\"Annual Costs of Owning a Spanish Home 2026: The Complete Guide\" class=\"wp-image-21480\" title=\"\" srcset=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/photo_15_2026-01-31_20-32-10.jpg 1280w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/photo_15_2026-01-31_20-32-10-18x8.jpg 18w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Community_of_Owners_Gastos_de_Comunidad\"><\/span>2. Community of Owners (<em>Gastos de Comunidad<\/em>)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_824ba46fb79064e1-38\">If your property is part of a complex (<em>urbanizaci\u00f3n<\/em>) or an apartment block, you are legally required to contribute to the maintenance of shared areas.<sup><\/sup><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Covered\"><\/span>What is Covered?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maintenance of the swimming pool and gardens.<\/li>\n\n\n\n<li>Electricity for hallways and outdoor lighting.<\/li>\n\n\n\n<li>Building insurance for the structure (Cisterna).<\/li>\n\n\n\n<li>Concierge or security services.<\/li>\n\n\n\n<li>Cleaning and elevator maintenance.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026_Cost_Estimator\"><\/span>2026 Cost Estimator<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Property Type<\/strong><\/td><td><strong>Monthly Fee (Est.)<\/strong><\/td><td><strong>Annual Total<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Apartment (No Pool)<\/td><td>\u20ac40 \u2013 \u20ac70<\/td><td>\u20ac480 \u2013 \u20ac840<\/td><\/tr><tr><td>Apartment (Pool\/Gardens)<\/td><td>\u20ac80 \u2013 \u20ac150<\/td><td>\u20ac960 \u2013 \u20ac1,800<\/td><\/tr><tr><td>Luxury Resort (Gym\/Spa)<\/td><td>\u20ac200 \u2013 \u20ac450<\/td><td>\u20ac2,400 \u2013 \u20ac5,400<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The &#8220;Derrama&#8221; Risk:<\/strong> In your annual budget, always set aside an extra 10%. A <em>derrama<\/em> is an extraordinary fee voted on by the community for major repairs, like painting the facade or fixing a roof leak.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Utility_Costs_in_2026\"><\/span>3. Utility Costs in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Energy and water prices remain a central concern for homeowners. While the extreme volatility of previous years has calmed, the 2026 reinstatement of the full 21% VAT on electricity has kept bills high.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Electricity_Luz\"><\/span>Electricity (Luz)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Spain has one of the most complex electricity markets in Europe. Most residents use a &#8220;Time of Use&#8221; (PVPC) rate where prices fluctuate by the hour.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Standing Charge (Potencia):<\/strong> You pay a fixed amount based on the &#8220;power&#8221; you have contracted (measured in kW). If you try to run your AC, oven, and pool pump at once with a low <em>potencia<\/em>, your breakers will trip.<\/li>\n\n\n\n<li><strong>Consumption:<\/strong> An average 2-bedroom home in 2026 spends <strong>\u20ac90\u2013\u20ac140 per month<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Water_Agua\"><\/span>Water (Agua)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Water is managed locally (e.g., Hidraqua or SUMA).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flat Fee:<\/strong> Even if you use zero water, you will pay a standing charge of roughly <strong>\u20ac15\u2013\u20ac25 per month<\/strong>.<\/li>\n\n\n\n<li><strong>Average Bill:<\/strong> A household of two typically pays <strong>\u20ac40 per month<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Connectivity_Internet\"><\/span>Connectivity (Internet)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Spain leads Europe in fiber-optic penetration.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cost:<\/strong> A 600Mb\/s or 1Gb\/s fiber line with a mobile SIM bundle costs approximately <strong>\u20ac40\u2013\u20ac60 per month<\/strong>.<\/li>\n\n\n\n<li><strong>Tip:<\/strong> If your home is a holiday property, look for &#8220;Pay-As-You-Go&#8221; fiber plans that allow you to pause the service when the house is empty.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1255\" height=\"768\" src=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Villa-for-Sale-in-Finestrat-15.png\" alt=\"Finestrat Real Estate\" class=\"wp-image-21463\" title=\"\" srcset=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Villa-for-Sale-in-Finestrat-15.png 1255w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Villa-for-Sale-in-Finestrat-15-18x12.png 18w\" sizes=\"(max-width: 1255px) 100vw, 1255px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Maintenance_and_Insurance\"><\/span>4. Maintenance and Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Keeping a home in top condition is vital for preserving its resale value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_Insurance_Seguro_de_Hogar\"><\/span>Home Insurance (<em>Seguro de Hogar<\/em>)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance premiums in Spain have risen by an average of <strong>12% since 2024<\/strong> due to increased climate-related risks (DANA floods and wildfires).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Basic Apartment Policy:<\/strong> \u20ac180 \u2013 \u20ac300 \/ year.<\/li>\n\n\n\n<li><strong>Villa Policy (Multirisk):<\/strong> \u20ac500 \u2013 \u20ac1,200 \/ year.<\/li>\n\n\n\n<li><strong>Important:<\/strong> If you have a mortgage, building insurance is mandatory. Ensure you have a local <a href=\"https:\/\/brokla.com\/opening-a-spanish-bank-account-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Spanish Bank Account<\/a> to handle these automated payments.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pool_and_Garden_Care\"><\/span>Pool and Garden Care<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For villa owners, this is a non-negotiable expense.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Professional Pool Cleaning:<\/strong> \u20ac100 \u2013 \u20ac150 \/ month (includes chemicals).<\/li>\n\n\n\n<li><strong>Gardening:<\/strong> \u20ac80 \u2013 \u20ac120 \/ month for basic maintenance.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Wealth_Tax_Considerations_2026_Update\"><\/span>5. Wealth Tax Considerations (2026 Update)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_824ba46fb79064e1-42\">As of 2026, the <strong>Solidarity Tax on Large Fortunes<\/strong> has become a permanent fixture in the Spanish tax system.<sup><\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Threshold:<\/strong> If your net Spanish assets (property, bank balances) exceed <strong>\u20ac700,000 per person<\/strong> (after a \u20ac300,000 allowance for a primary residence), you may be liable for Wealth Tax.<\/li>\n\n\n\n<li><strong>Non-Residents:<\/strong> Are taxed on their Spanish assets only. If you own a \u20ac2M villa in Altea, you will need a specialized tax representative to file these returns annually.+1<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Summary_Table_Estimated_Annual_Budget_Mid-Range_Apartment\"><\/span>Summary Table: Estimated Annual Budget (Mid-Range Apartment)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Expense Category<\/strong><\/td><td><strong>Annual Estimate (Euro)<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>IBI (Property Tax)<\/strong><\/td><td>\u20ac650<\/td><\/tr><tr><td><strong>Non-Resident Tax (Modelo 210)<\/strong><\/td><td>\u20ac350<\/td><\/tr><tr><td><strong>Community Fees<\/strong><\/td><td>\u20ac1,200<\/td><\/tr><tr><td><strong>Utilities (Luz\/Agua\/Internet)<\/strong><\/td><td>\u20ac1,800<\/td><\/tr><tr><td><strong>Home Insurance<\/strong><\/td><td>\u20ac250<\/td><\/tr><tr><td><strong>Trash Tax (Basura)<\/strong><\/td><td>\u20ac140<\/td><\/tr><tr><td><strong>TOTAL ESTIMATE<\/strong><\/td><td><strong>\u20ac4,390<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"2560\" height=\"1682\" src=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Apartmentsiin-Santa-Rosalia-Lake-Murcia-34-scaled.jpg\" alt=\"Luxury-Apartmentsiin-Santa-Rosalia-Lake-Murcia\" class=\"wp-image-20856\" title=\"\" srcset=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Apartmentsiin-Santa-Rosalia-Lake-Murcia-34-scaled.jpg 2560w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Apartmentsiin-Santa-Rosalia-Lake-Murcia-34-1536x1009.jpg 1536w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Apartmentsiin-Santa-Rosalia-Lake-Murcia-34-2048x1346.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Verified_Useful_Resources\"><\/span>Verified Useful Resources:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For official calculations and legal text, we recommend the following non-competitor sources:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Agencia Tributaria (AEAT):<\/strong> <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/en_gb\/no-residentes\/irnr-sin-establecimiento-permanente.html\" target=\"_blank\" rel=\"noreferrer noopener\">Official Non-Resident Income Tax Portal<\/a><\/li>\n\n\n\n<li><strong>Spanish Land Registry:<\/strong> <a href=\"https:\/\/www.sedecatastro.gob.es\/\" target=\"_blank\" rel=\"noreferrer noopener\">Online Cadastre Search<\/a> \u2013 To find your property&#8217;s <em>valor catastral<\/em>.<\/li>\n\n\n\n<li><strong>GVA (Generalitat Valenciana):<\/strong> <a href=\"https:\/\/atv.gva.es\/es\/\" target=\"_blank\" rel=\"noreferrer noopener\">Valencian Tax Agency<\/a> \u2013 For updates on the Law 5\/2025 tax reforms in the Costa Blanca.<\/li>\n\n\n\n<li><strong>OCU (Organization of Consumers):<\/strong> <a href=\"https:\/\/www.ocu.org\/vivienda-y-energia\/gas-luz\" target=\"_blank\" rel=\"noreferrer noopener\">Electricity Price Comparisons<\/a> \u2013 To find the best utility rates in 2026.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_Planning_for_Success\"><\/span>Conclusion: Planning for Success<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Owning a property in Spain is one of the most rewarding investments you can make, but it requires diligent financial management. By budgeting approximately <strong>1.5% to 2% of the property&#8217;s value annually<\/strong> for running costs, you ensure that your Mediterranean retreat remains a sanctuary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you are still in the <a href=\"https:\/\/brokla.com\/nie-number-spain-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">NIE Number application<\/a> phase or you are ready to sign an Arras contract, understanding these numbers is your first step toward long-term peace of mind.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Are you feeling overwhelmed by Spanish property bureaucracy? <a href=\"https:\/\/brokla.com\/contact-costa-blanca-real-estate\/\" data-type=\"page\" data-id=\"16941\">Contact Brokla today for a comprehensive &#8220;Ownership Audit.<\/a>&#8221; We help you set up your utilities, manage your tax filings, and ensure you never miss a community meeting.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_is_property_tax_IBI_in_Spain\"><\/span>How much is property tax (IBI) in Spain?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">IBI is an annual municipal tax of 0.3% to 1.1% of the cadastral value, which is usually well below market value. For a Costa Blanca townhouse with a 120,000 euro cadastral value at 0.6%, that is about 720 euros a year, normally due between September and November.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_non-residents_pay_tax_on_a_property_they_dont_rent_out\"><\/span>Do non-residents pay tax on a property they don&#8217;t rent out?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Non-residents pay an imputed income tax (IRNR) via Modelo 210, calculated on a percentage of the cadastral value and taxed at 19% in 2026. It must be filed by 31 December for the previous year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_new_waste_tax_Tasa_de_Basura_in_2026\"><\/span>What is the new waste tax (Tasa de Basura) in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Following Law 7\/2022, nearly every municipality has updated trash-collection fees to reflect real recycling costs. Expect roughly 120 to 180 euros per year, although luxury villas in high-waste areas can exceed 400 euros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_are_community_fees_in_Spain\"><\/span>How much are community fees in Spain?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For an apartment with no pool, expect 40-70 euros per month; with a pool and gardens, 80-150 euros; and for a luxury resort with gym and spa, 200-450 euros per month. Always set aside an extra 10% for a possible derrama.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_derrama\"><\/span>What is a derrama?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A derrama is an extraordinary fee voted on by the community of owners to fund major repairs such as painting the facade or fixing a roof. Because it is unpredictable, budgeting an extra 10% each year is wise.<\/p>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much is property tax (IBI) in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IBI is an annual municipal tax of 0.3% to 1.1% of the cadastral value, which is usually well below market value. For a Costa Blanca townhouse with a 120,000 euro cadastral value at 0.6%, that is about 720 euros a year, normally due between September and November.\"}},{\"@type\":\"Question\",\"name\":\"Do non-residents pay tax on a property they don't rent out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Non-residents pay an imputed income tax (IRNR) via Modelo 210, calculated on a percentage of the cadastral value and taxed at 19% in 2026. It must be filed by 31 December for the previous year.\"}},{\"@type\":\"Question\",\"name\":\"What is the new waste tax (Tasa de Basura) in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Following Law 7\/2022, nearly every municipality has updated trash-collection fees to reflect real recycling costs. 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To maintain a property in Spain successfully, you must account for a web of taxes, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21481,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"googlesitekit_rrm_CAowzI3FDA:productID":"","footnotes":""},"class_list":["post-21479","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/pages\/21479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/comments?post=21479"}],"version-history":[{"count":0,"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/pages\/21479\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/media\/21481"}],"wp:attachment":[{"href":"https:\/\/brokla.com\/es\/wp-json\/wp\/v2\/media?parent=21479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}