On top of the price, a property buyer pays about 5–8% extra in 2026, without an agent: transfer tax of 3.09%, notary (0.8% up to 120,000 € + VAT), Κτηματολόγιο (Hellenic Cadastre, 5‰ + 20 €) and, if chosen, a lawyer. For a first home with the transfer-tax exemption the amount drops a lot.
01Detailed price table
| Job / item | From | To |
|---|---|---|
| Transfer tax (ΦΜΑ) 3% + 3% for the municipality = 3.09%For 150,000 €. 0 € with the first-home exemption | 0 € | 4,635 € |
| Notary (0.8% up to 120,000 €, 0.7% up to 380,000 €) + VATFor 150,000 €, including fixed fees/sheets | 1,476 € | 1,513 € |
| Buyer’s lawyer0.5–1% according to proper.gr, ~1,200 € with VAT according to Terra | 750 € | 1,500 € |
| Κτηματολόγιο: 5‰ + 20 € fixed fee+1‰ when the entry is made in the cadastral book | 770 € | 920 € |
| Engineer (legality certificate, Building Identity Card)Usually paid by the seller | 150 € | 500 € |
| Estate agent (~2% + VAT)For 150,000 €, if there is an agent | 3,720 € | 3,720 € |
| Title check by a lawyerAs a separate service | 100 € | 150 € |
Example for a 150,000 € property: ~3,500 € with the first-home exemption, ~8,100 € without it, ~11,800 € with a 2% agent.
02What affects the price
Property value (price or objective value)
high
ΦΜΑ is calculated on the higher of the two values. The notary’s fee and the Κτηματολόγιο are calculated on the same basis.
First-home exemption
high
Tax-free up to 200,000 € for a single person and 250,000 € for a married person (+25,000 € per child for the first two, with more for further children).
New build with VAT
high
For new builds there is a VAT suspension until 31.12.2026. If it does not apply, 24% VAT is paid instead of ΦΜΑ.
Estate agent
high
About 2% + VAT, when there is one. It is the biggest cost after the tax.
Lawyer
medium
Sources describe a lawyer as optional but recommended. The fee is negotiable, with minimum limits in the Lawyers’ Code.
03Regional differences
The tax, notary and Κτηματολόγιο rates are the same across the country. The difference by area lies in the objective values: in areas where the objective value is higher than the price, you pay tax on the objective value. In areas where the cadastral survey has only just been completed, the entry in the cadastral book carries +1‰.
04Tips before you pay
- Calculate the costs on the higher of the two values (price or objective value), not just on the price.
- If you qualify for the first-home exemption, prepare the documents early. The saving is thousands of euros.
- Ask the notary for a written budget of costs before signing.
- Check the titles and encumbrances (mortgages, attachments) before the preliminary agreement, not after.
- For new builds, check with the seller whether the VAT suspension applies and what will happen after 31.12.2026.
The step-by-step procedure (documents, where it is done) is on grafeiokratia.gr (in Greek).
See the procedure05Frequently asked questions
What are the costs of buying a 150,000 € home?
Without the exemption and without an agent about 8,100 € (ΦΜΑ 4,635 €, notary ~1,500 €, lawyer ~1,200 €, Κτηματολόγιο ~770 €). With the first-home exemption about 3,500 €. With a 2% + VAT agent about 11,800 €.
How much is the property transfer tax?
3% on the higher value (price or objective value), plus 3% of the tax for the municipality. A total of 3.09%.
How much is the notary’s fee?
On a sliding scale: 0.80% up to 120,000 €, 0.70% from 120,000 to 380,000 €, 0.65% up to 2,000,000 €, plus fixed fees, sheets and 24% VAT.
Who pays the contract costs?
The buyer pays the tax, the notary, the Κτηματολόγιο and their own lawyer. The seller usually pays the engineer, the certificates and their own agent.
What is tax-free on a first home?
200,000 € for a single person, 250,000 € for a married person, with an increase for children. There are conditions, e.g. that you do not own another suitable home.
Is a lawyer compulsory?
The sources we reviewed describe it as optional but recommended. Ask the notary what applies in your case and at your value.
06Sources
Prices are indicative, do not constitute an offer and may vary by area and professional. Last checked: October 2026.
Related guides
Bureaucracy
Cost of setting up an ΙΚΕ (private company) or a sole proprietorship in Greece in 2026
18–80 €
total
Upd. Oct 2026
Bureaucracy
How much does an uncontested divorce cost in Greece in 2026
1,000–2,000 €
total
Upd. Oct 2026
Bureaucracy
Cost of accepting an inheritance in Greece in 2026: notary, tax, fees
520–2,800 €
total
Upd. Oct 2026