{"id":437682,"date":"2026-10-07T15:49:23","date_gmt":"2026-10-07T13:49:23","guid":{"rendered":"https:\/\/mdrluxuryhomes.com\/annual-costs-of-a-second-home-in-spain\/"},"modified":"2026-10-07T15:49:59","modified_gmt":"2026-10-07T13:49:59","slug":"annual-costs-of-a-second-home-in-spain","status":"publish","type":"post","link":"https:\/\/mdrluxuryhomes.com\/en\/annual-costs-of-a-second-home-in-spain\/","title":{"rendered":"Second Home in Spain: How Much Does It Cost Per Year?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"437682\" class=\"elementor elementor-437682 elementor-437675\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2aafd5f e-flex e-con-boxed e-con e-parent\" data-id=\"2aafd5f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efc635e elementor-widget elementor-widget-text-editor\" data-id=\"efc635e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A second home on the Costa del Sol means more than just the purchase price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-477473f elementor-widget elementor-widget-text-editor\" data-id=\"477473f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once you become a homeowner, you\u2019ll have to deal with local taxes, common area fees, insurance, and home maintenance. Individually, many of these costs seem manageable. Together, however, they can make a significant difference in your annual budget\u2014especially for a home with a pool, a yard, extensive shared amenities, or professional management.<\/p><p>The exact costs you\u2019ll incur depend on the municipality, the type of property, the residential complex, and how you use the property. A vacation home that stands vacant for several months a year requires different management and insurance arrangements than a second home where you stay regularly. Nevertheless, most of <strong>the annual costs associated with a second home in Spain<\/strong> can be reasonably estimated in advance. As a guideline for an apartment in a well-maintained residential complex:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9f49e5 e-flex e-con-boxed e-con e-child\" data-id=\"a9f49e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6480ae1 elementor-widget elementor-widget-text-editor\" data-id=\"6480ae1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-family: 'Cormorant Infant', serif; font-size: 48px; font-weight: 500; line-height: 1; color: #b8694a; margin: 0 0 8px 0;\">\u20ac5,000 to \u20ac13,700<\/p><p style=\"margin: 0;\">per year, <strong>excluding mortgage payments, rental expenses, and major renovations<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fab5809 elementor-widget elementor-widget-text-editor\" data-id=\"fab5809\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For a detached villa with a private pool, garden, and professional maintenance, that amount is significantly higher. Below, you\u2019ll find a breakdown by cost category explaining where those amounts come from and what you should keep in mind beforehand.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52ccc90 elementor-widget elementor-widget-image\" data-id=\"52ccc90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea.jpg?lossy=2&strip=1&webp=1\" class=\"attachment-full size-full wp-image-437678\" alt=\"Overdekt terras met loungebank, uitzicht op een zwembad en een mediterrane tuin met olijfbomen\" srcset=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea.jpg?lossy=2&strip=1&webp=1 1672w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea-1536x864.jpg?lossy=2&strip=1&webp=1 1536w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea.jpg?size=234x132&lossy=2&strip=1&webp=1 234w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea.jpg?size=468x263&lossy=2&strip=1&webp=1 468w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea.jpg?size=702x395&lossy=2&strip=1&webp=1 702w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea.jpg?size=936x527&lossy=2&strip=1&webp=1 936w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-terras-met-zwembad-en-bougainvillea.jpg?size=1170x658&lossy=2&strip=1&webp=1 1170w\" sizes=\"(max-width: 1672px) 100vw, 1672px\" title=\"overdekt-terras-met-zwembad-en-mediterrane-tuin | MDR Luxury Homes\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0cad3f e-flex e-con-boxed e-con e-parent\" data-id=\"a0cad3f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47fdc9f elementor-widget elementor-widget-text-editor\" data-id=\"47fdc9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>1. IBI: The Annual Municipal Property Tax<\/h2><p>The <strong>Impuesto sobre Bienes Inmuebles<\/strong>, usually abbreviated as IBI, is the Spanish municipal property tax. Every owner of Spanish real estate pays this tax annually.<\/p><p>The IBI is not calculated based on the purchase price or the current market value of the property. Instead, the municipality uses the assessed value, or <strong>valor catastral<\/strong>. You can find this value on your IBI tax bill.<\/p><p>The final tax amount depends on:<\/p><ul><li>the assessed value of the property;<\/li><li>the municipality\u2019s tax rate;<\/li><li>any municipal discounts or surcharges.<\/li><\/ul><p>Municipalities set their own rates within the legal limits. As a result, two comparable homes in different municipalities may have different IBI assessments. The <a href=\"https:\/\/www.catastro.hacienda.gob.es\/es-ES\/usos_fiscales.html\" target=\"_blank\" rel=\"noopener\">Spanish Land Registry<\/a> confirms that the cadastral value serves as the basis and that the municipality sets the final rate.<\/p><p>For an apartment, the annual IBI can amount to several hundred euros. For a larger villa or a home with a high cadastral value, this can rise to several thousand euros.<\/p><p>The most reliable indication is therefore not a general percentage, but the most recent IBI assessment for the specific property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edc0336 e-flex e-con-boxed e-con e-parent\" data-id=\"edc0336\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea69ba elementor-widget elementor-widget-image\" data-id=\"3ea69ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1024\" data-src=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-Mediterrane-binnenplaats-met-bougainvillea.jpg?lossy=2&strip=1&webp=1\" class=\"attachment-full size-full wp-image-437680 lazyload\" alt=\"jaarlijkse kosten tweede verblijf Spanje - Wandelpad door de gemeenschappelijke tuinen van een urbanisatie aan de Costa del Sol\" title=\"gemeenschappelijke-tuinen-urbanisatie-costa-del-sol | MDR Luxury Homes\" data-srcset=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-Mediterrane-binnenplaats-met-bougainvillea.jpg?lossy=2&amp;strip=1&amp;webp=1 1536w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-Mediterrane-binnenplaats-met-bougainvillea.jpg?size=234x156&amp;lossy=2&amp;strip=1&amp;webp=1 234w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-Mediterrane-binnenplaats-met-bougainvillea.jpg?size=468x312&amp;lossy=2&amp;strip=1&amp;webp=1 468w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-Mediterrane-binnenplaats-met-bougainvillea.jpg?size=702x468&amp;lossy=2&amp;strip=1&amp;webp=1 702w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-Mediterrane-binnenplaats-met-bougainvillea.jpg?size=936x624&amp;lossy=2&amp;strip=1&amp;webp=1 936w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zonnig-Mediterrane-binnenplaats-met-bougainvillea.jpg?size=1170x780&amp;lossy=2&amp;strip=1&amp;webp=1 1170w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1536px; --smush-placeholder-aspect-ratio: 1536\/1024;\" data-original-sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae80166 elementor-widget elementor-widget-text-editor\" data-id=\"ae80166\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>2. Community: the costs associated with the homeowners\u2019 association<\/h2><p>If you buy an apartment, penthouse, townhouse, or villa within a residential complex, you\u2019ll usually pay a fee to the <strong>community of owners<\/strong>. This is similar to the fee paid to a homeowners\u2019 association.<\/p><p>These fees are used to maintain the common areas and facilities, such as:<\/p><ul><li>gardens and swimming pools;<\/li><li>elevators and stairwells;<\/li><li>security and access control;<\/li><li>cleaning;<\/li><li>lighting in common areas;<\/li><li>garages and entry gates;<\/li><li>management and administration;<\/li><li>general maintenance of the complex.<\/li><\/ul><p>The amount of the fee varies greatly. A small-scale complex without an elevator or security may have relatively low costs. A resort-style development with multiple swimming pools, extensive gardens, a concierge, a fitness center, and 24-hour security will be significantly more expensive.<\/p><p>As a general budget estimate, you can expect to pay approximately <strong>\u20ac100 to \u20ac350 per month<\/strong> for apartments and townhouses. For very large or exclusive complexes, the fee may be higher.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8c905f elementor-widget elementor-widget-text-editor\" data-id=\"e8c905f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Before making a purchase, always ask about<\/h3><ul><li>the current monthly or quarterly fee;<\/li><li>the community\u2019s annual financial statements;<\/li><li>the minutes of recent homeowners\u2019 association meetings;<\/li><li>the balance of the reserve fund;<\/li><li>any outstanding balances;<\/li><li>extraordinary contributions that have already been approved or are expected.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae344d elementor-widget elementor-widget-text-editor\" data-id=\"2ae344d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Spain, this last category is called a <strong>\u201cderrama<\/strong>.\u201d This is an additional contribution for, for example, facade repairs, new elevators, swimming pool renovations, or other major projects. <a href=\"https:\/\/www.boe.es\/eli\/es\/l\/1960\/07\/21\/49\/con\/20250724\" target=\"_blank\" rel=\"noopener\">Spanish law on horizontal property<\/a> stipulates that valid decisions made by the homeowners\u2019 association are binding and that certain projects must be paid for by the owners.<\/p><p>A low monthly community fee is therefore not automatically a good thing. Sometimes this means that insufficient funds are being set aside for future maintenance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ea625a e-flex e-con-boxed e-con e-parent\" data-id=\"3ea625a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed437fc elementor-widget elementor-widget-text-editor\" data-id=\"ed437fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>3. Home Insurance<\/h2><p>Home insurance isn\u2019t just meant to cover damage to the home itself. Depending on the policy, it may also provide coverage for personal property, water damage, fire, theft, and liability.<\/p><p>For an apartment, part of the building is sometimes already insured through the homeowners\u2019 association (comunidad). That does not automatically mean that your entire home, its contents, and your liability are adequately covered.<\/p><p>The premium depends, among other things, on:<\/p><ul><li>the type and value of the home;<\/li><li>the replacement cost;<\/li><li>the value of the personal property;<\/li><li>the location;<\/li><li>security measures;<\/li><li>permanent or temporary occupancy;<\/li><li>whether the property is rented out.<\/li><\/ul><p>For many apartments and townhouses, private home insurance generally costs between <strong>\u20ac250 and \u20ac600 per year<\/strong>. For large villas, valuable personal property, or more comprehensive coverage, the premium can be significantly higher.<\/p><p>If you\u2019re renting out your property, check whether your insurance policy explicitly permits this use. A standard second-home policy does not always offer the same coverage as a policy for short-term or long-term rentals. <a href=\"https:\/\/mdrluxuryhomes.com\/en\/tourist-rental-rules-spain\/\" title=\"Regulations Governing Vacation Rentals in Spain\">Regulations governing short-term rentals<\/a> also have their own requirements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb02601 e-flex e-con-boxed e-con e-parent\" data-id=\"fb02601\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-488b97f elementor-widget elementor-widget-text-editor\" data-id=\"488b97f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>4. Home Maintenance<\/h2><p>Even a home that is used only part of the year requires maintenance. On the Costa del Sol, sun, heat, humidity, salt, and extended periods of vacancy play a significant role.<\/p><p>This includes, among other things:<\/p><ul><li>maintenance of air conditioning and heating systems;<\/li><li>painting;<\/li><li>inspection of pipes and drains;<\/li><li>addressing moisture issues;<\/li><li>maintenance of roller shutters, sunshades, and patios;<\/li><li>pest control;<\/li><li>minor repairs and replacements;<\/li><li>maintenance of electrical systems and equipment.<\/li><\/ul><p>It\u2019s difficult to give a fixed percentage, because a new apartment and an older detached villa are hardly comparable. For a practical budget, however, you can set aside a separate annual maintenance reserve.<\/p><p>For a relatively new apartment, a few thousand euros per year may be sufficient for routine maintenance and minor unforeseen repairs. For a villa\u2014especially one with mechanical systems, outdoor spaces, and older structural elements\u2014the reserve fund needs to be considerably larger.<\/p><p>The year of construction doesn\u2019t tell the whole story. The quality of previous maintenance is often more important.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab96828 e-flex e-con-boxed e-con e-parent\" data-id=\"ab96828\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a843825 elementor-widget elementor-widget-image\" data-id=\"a843825\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1024\" data-src=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zwembadonderhoud-in-mediterrane-tuin.jpg?lossy=2&strip=1&webp=1\" class=\"attachment-full size-full wp-image-437679 lazyload\" alt=\"Onderhoudsman controleert de waterkwaliteit van een priv\u00e9zwembad bij een villa\" title=\"onderhoud-privezwembad-villa-spanje | MDR Luxury Homes\" data-srcset=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zwembadonderhoud-in-mediterrane-tuin.jpg?lossy=2&amp;strip=1&amp;webp=1 1536w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zwembadonderhoud-in-mediterrane-tuin.jpg?size=234x156&amp;lossy=2&amp;strip=1&amp;webp=1 234w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zwembadonderhoud-in-mediterrane-tuin.jpg?size=468x312&amp;lossy=2&amp;strip=1&amp;webp=1 468w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zwembadonderhoud-in-mediterrane-tuin.jpg?size=702x468&amp;lossy=2&amp;strip=1&amp;webp=1 702w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zwembadonderhoud-in-mediterrane-tuin.jpg?size=936x624&amp;lossy=2&amp;strip=1&amp;webp=1 936w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Zwembadonderhoud-in-mediterrane-tuin.jpg?size=1170x780&amp;lossy=2&amp;strip=1&amp;webp=1 1170w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1536px; --smush-placeholder-aspect-ratio: 1536\/1024;\" data-original-sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87ea9b9 elementor-widget elementor-widget-text-editor\" data-id=\"87ea9b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>5. Pool and Garden<\/h2><p>For an apartment or townhouse, the communal pool and gardens are usually included in the community fees. For a detached villa, you pay for these services directly.<\/p><h3>Private Pool<\/h3><p>A private pool entails recurring costs for:<\/p><ul><li>cleaning;<\/li><li>water quality testing;<\/li><li>chemicals;<\/li><li>electricity for the pump;<\/li><li>water;<\/li><li>repair or replacement of equipment.<\/li><\/ul><p>For regular pool maintenance, you can expect to pay approximately <strong>\u20ac100 to \u20ac200 per month<\/strong>. This does not include major repairs, replacement of pumps or heating systems, or exceptional water consumption.<\/p><h3>Private Garden<\/h3><p>The costs for a garden depend heavily on its size, landscaping, irrigation, and desired maintenance frequency.<\/p><p>A low-maintenance Mediterranean garden requires less water and care than a large, meticulously landscaped garden with a lawn, hedges, and mature tropical plants. As a rough estimate, expect to pay approximately <strong>\u20ac100 to \u20ac400 per month<\/strong>, with higher costs for large gardens or intensive maintenance.<\/p><p>When considering a villa, therefore, don\u2019t just ask about the current maintenance contracts. Also check the actual water and electricity consumption.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-836c187 e-flex e-con-boxed e-con e-parent\" data-id=\"836c187\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a0e07a elementor-widget elementor-widget-text-editor\" data-id=\"8a0e07a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>6. Non-Resident Income Tax<\/h2><p>Anyone who is not a tax resident of Spain but owns a home there is generally subject to the Spanish non-resident income tax, the <strong>Impuesto sobre la Renta de no Residentes<\/strong>.<\/p><p>Even if you do not rent out the property, Spain may attribute a notional income to it. This is calculated based on the cadastral value.<\/p><p>Generally speaking <strong>, 1.1% or 2% of the assessed value<\/strong> is first taken as imputed income, depending on the applicable property valuation adjustment. For residents of the EU, Iceland, Norway, and Liechtenstein <strong>,<\/strong> a tax rate of <strong>19%<\/strong> currently applies to this amount <strong>.<\/strong> For many other non-residents, the rate is <strong>24%.<\/strong> The <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/no-residentes\/irnr-sin-establecimiento-permanente\/cuestiones-especificas-sobre-tributacion-inmuebles\/renta-imputada-inmueble-urbano-uso-propio.html\" target=\"_blank\" rel=\"noopener\">Agencia Tributaria<\/a> officially explains this calculation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fdcdb4 elementor-widget elementor-widget-text-editor\" data-id=\"2fdcdb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Example<\/h3><ul><li>cadastral value: \u20ac100,000;<\/li><li>notional income when applying 1.1%: \u20ac1,100;<\/li><li>tax for an EU resident at a rate of 19%: <strong>\u20ac209 per year<\/strong>.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a572b2 elementor-widget elementor-widget-text-editor\" data-id=\"6a572b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the case of joint ownership, the tax return is generally divided according to the ownership percentage. If the property is rented out for part of the year, different rules apply for that rental period.<\/p><p>Because tax circumstances and filing requirements can vary by owner, it is advisable to have a Spanish tax specialist or <strong>gestor<\/strong> prepare this tax return.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e6db36 e-flex e-con-boxed e-con e-parent\" data-id=\"9e6db36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-495f08f elementor-widget elementor-widget-text-editor\" data-id=\"495f08f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>7. Management and Oversight During Your Absence<\/h2><p>If you do not live in Spain permanently, local property management can save you a lot of trouble.<\/p><p>For example, a property manager can:<\/p><ul><li>inspect the property regularly;<\/li><li>handle mail and official notices;<\/li><li>grant access to service providers;<\/li><li>identify minor issues;<\/li><li>prepare the property for arrival;<\/li><li>manage the keys;<\/li><li>organize cleaning;<\/li><li>coordinate repairs and maintenance;<\/li><li>welcoming guests.<\/li><\/ul><p>Simple key management and periodic inspections cost less than full-service management. For basic management, you can expect to pay approximately <strong>\u20ac60 to \u20ac150 per month<\/strong>. Rental management is often based on a percentage of rental income or a more comprehensive flat fee.<\/p><p>The value of good property management goes beyond mere convenience. A small leak, power outage, or moisture problem can turn into costly damage during a long absence.<\/p><h2>8. Utilities and Fixed-Term Contracts<\/h2><p>Even when the home is vacant, fixed costs usually continue to accrue. Examples include:<\/p><ul><li>electricity;<\/li><li>water;<\/li><li>internet;<\/li><li>security system;<\/li><li>garbage collection fees;<\/li><li>maintenance contracts;<\/li><li>bank fees;<\/li><li>fees for a tax advisor or accountant.<\/li><\/ul><p>For electricity and water, you often pay fixed connection and contract fees, even if your usage is low. Air conditioning, pool pumps, irrigation, and electric water heaters can significantly increase your usage.<\/p><p>Therefore, ask for recent invoices before making a purchase. Actual annual statements provide a much more reliable picture than a general estimate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-838c885 e-flex e-con-boxed e-con e-parent\" data-id=\"838c885\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26fd283 elementor-widget elementor-widget-text-editor\" data-id=\"26fd283\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>How much does a second home cost annually?<\/h2><p>The estimate below is not a standard rate, but an illustration for an apartment in a well-maintained residential complex.<\/p><table style=\"width: 100%; border-collapse: collapse; border: 0; margin: 8px 0 16px 0;\"><thead><tr><th style=\"text-align: left; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">Cost Item<\/th><th style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">Indicative annual budget<\/th><\/tr><\/thead><tbody><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">IBI<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac500\u2013\u20ac1,200<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Community<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac1,200\u2013\u20ac4,200<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Home Insurance<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac250\u2013\u20ac600<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Non-Resident Tax<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Based on assessed value<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Gestor or tax return<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac150\u2013\u20ac400<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Maintenance Reserve<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac1,000\u2013\u20ac3,000<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Utilities and Internet<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac1,200\u2013\u20ac2,500<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Basic Management<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac720\u2013\u20ac1,800<\/td><\/tr><tr><td style=\"padding: 14px 10px; background: transparent; border: 0; border-top: 2px solid #2e2a24; font-weight: 600;\">Estimated total<\/td><td style=\"text-align: right; padding: 14px 10px; background: transparent; border: 0; border-top: 2px solid #2e2a24; font-weight: 600; color: #8f4e36;\">approximately \u20ac5,000\u2013\u20ac13,700 per year<\/td><\/tr><\/tbody><\/table><p>For a detached villa with a private pool, garden, security, and regular professional inspections, the total annual budget can be significantly higher.<\/p><p>Planned renovations, mortgage payments, rental expenses, and major unexpected repairs are also not included in this example. For information on the one-time costs associated with the purchase itself, read about <a href=\"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/\" title=\"How much does it really cost to buy a home on the Costa del Sol?\">what buying a home on the Costa del Sol really costs<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11c6857 e-flex e-con-boxed e-con e-parent\" data-id=\"11c6857\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dad6aa elementor-widget elementor-widget-text-editor\" data-id=\"4dad6aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What documents should you request before making a purchase?<\/h2><p>A thorough cost analysis starts with the documents for the specific property. At a minimum, ask for:<\/p><ol><li>the most recent IBI tax assessment;<\/li><li>the most recent community association bills;<\/li><li>the minutes of the most recent homeowners\u2019 association meetings;<\/li><li>information about approved or planned derramas;<\/li><li>recent electricity and water bills;<\/li><li>existing maintenance contracts;<\/li><li>insurance information;<\/li><li>the assessed value;<\/li><li>previous costs for the pool, yard, and property management;<\/li><li>an estimate of necessary maintenance in the short and medium term.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1166867 e-flex e-con-boxed e-con e-parent\" data-id=\"1166867\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b41200d elementor-widget elementor-widget-text-editor\" data-id=\"b41200d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>The purchase price is only one part of the decision<\/h2><p>A second home shouldn\u2019t just fit your lifestyle\u2014it also needs to comfortably fit within your annual budget.<\/p><p>That\u2019s why, when making a purchase, we don\u2019t just look at location, curb appeal, and purchase price. We also examine how the property is managed, what ongoing obligations are associated with it, and what future costs can reasonably be expected.<\/p><p>It is precisely these less visible details that often determine how much peace of mind and enjoyment a property will truly provide you in the long run.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8bdc7 elementor-widget elementor-widget-image\" data-id=\"2a8bdc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1024\" data-src=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Warme-mediterrane-woonkamer-met-terraszicht.jpg?lossy=2&strip=1&webp=1\" class=\"attachment-full size-full wp-image-437681 lazyload\" alt=\"Vrouw opent de terrasdeur van haar tweede verblijf aan de Costa del Sol\" title=\"aankomst-tweede-verblijf-terras-costa-del-sol | MDR Luxury Homes\" data-srcset=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Warme-mediterrane-woonkamer-met-terraszicht.jpg?lossy=2&amp;strip=1&amp;webp=1 1536w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Warme-mediterrane-woonkamer-met-terraszicht.jpg?size=234x156&amp;lossy=2&amp;strip=1&amp;webp=1 234w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Warme-mediterrane-woonkamer-met-terraszicht.jpg?size=468x312&amp;lossy=2&amp;strip=1&amp;webp=1 468w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Warme-mediterrane-woonkamer-met-terraszicht.jpg?size=702x468&amp;lossy=2&amp;strip=1&amp;webp=1 702w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Warme-mediterrane-woonkamer-met-terraszicht.jpg?size=936x624&amp;lossy=2&amp;strip=1&amp;webp=1 936w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Warme-mediterrane-woonkamer-met-terraszicht.jpg?size=1170x780&amp;lossy=2&amp;strip=1&amp;webp=1 1170w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1536px; --smush-placeholder-aspect-ratio: 1536\/1024;\" data-original-sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-636e84e e-flex e-con-boxed e-con e-parent\" data-id=\"636e84e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9842afc elementor-widget elementor-widget-text-editor\" data-id=\"9842afc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-family: 'Cormorant Infant', serif; font-size: 32px; font-weight: 500; line-height: 1.15; color: #f8f7f4; margin: 0 0 16px 0;\">Would you like to know how much a specific home costs you each year?<\/p><p style=\"color: #f8f7f4; margin: 0;\">We\u2019d be happy to break down the fixed costs for a specific home for you, based on actual tax assessments, invoices, and documents.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3147c92 elementor-align-left elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"3147c92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mdrluxuryhomes.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a cost estimate<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1c0e96 e-flex e-con-boxed e-con e-parent\" data-id=\"c1c0e96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0956cd elementor-widget elementor-widget-text-editor\" data-id=\"a0956cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>The amounts listed in this article are for illustrative purposes only. Taxes, fees, and maintenance costs vary by municipality, property, residential complex, and individual tax situation. Always have the costs associated with a specific property reviewed from a legal and tax perspective.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A second home on the Costa del Sol means more than just the purchase price. Once you become a homeowner, you\u2019ll have to deal with local taxes, common area fees, insurance, and home maintenance. Individually, many of these costs seem manageable. Together, however, they can make a significant difference in your annual budget\u2014especially for a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":437683,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","page_builder":"","footnotes":""},"categories":[6029],"tags":[5873,476,474],"class_list":["post-437682","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyer-intelligence","tag-woning-kopen-in-spanje","tag-costa-del-sol","tag-vastgoed-spanje"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"How much does a second home in Spain cost per year? 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