What costs do you pay when buying property in Greece in 2026?

Property transfer tax (φόρος μεταβίβασης) for most resales is commonly calculated at 3% plus a municipal surcharge on that tax, producing an effective rate near 3.09% on the higher of the contract price or the state’s objective value. The notary files the transfer-tax path through AADE myPROPERTY tools before the deed completes. Confirm any new-build VAT versus transfer-tax treatment with the notary against live AADE rules for your contract date.

Notary fees follow a value-based schedule and, with VAT and copies, often land near roughly 1% of value in buyer budgets. Hellenic Cadastre (Ktimatologio) registration typically adds about half a percent-class fee. Independent lawyer fees for title and planning checks commonly sit in a roughly 0.5–1.5% band plus VAT when quoted that way; agent commissions, when used, are separate commercial quotes.

ENFIA is the annual property tax assessed through AADE filings such as the E9 property declaration once you are on title. Apartment owners also pay koinohrista. Municipal TAP-style charges may appear on electricity bills. A purchase is not a visa: Golden Visa and other routes stay separate Migration files.

You need an AFM and usually TAXISnet before deed and tax steps move. A Greek bank account helps fee payments. Many movers still rent first to learn neighbourhoods: Where to live in Greece.