Property & Housing

Additional costs calculator for purchasing real estate

You can immediately see how much should be budgeted in addition to the purchase price.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

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Calculation path

Step by step

  1. Real estate transfer tax

    Formula: Purchase price × tax rate

    Result: €17,500.00

  2. notary

    Formula: Purchase price × notary rate

    Result: €5,250.00

  3. Land register

    Formula: Purchase price × land registry rate

    Result: €1,750.00

  4. broker

    Formula: Purchase price × broker rate

    Result: €12,495.00

  5. Total additional costs

    Formula: Total of all positions

    Result: €36,995.00

Instructions

How to use this calculator correctly

Input

  • Enter the purchase price and select the rates for your state and case.

Read the result

  • The total shows how much is needed in addition to the purchase price.
  • The percentage value helps with financial planning.

Practical use

  • If possible, plan these costs with equity capital.

Related guide: Understanding property purchasing with financing, additional costs and property taxes

Examples

Typical calculations

3.5 percent real estate transfer tax.

Bavaria

Total additional costs: €36,280.00

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6.5 percent real estate transfer tax.

NRW

Total additional costs: €48,280.00

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Private purchase without commission.

Without a broker

Total additional costs: €22,400.00

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FAQ

Frequently asked questions

How high is the property transfer tax?

Depending on the federal state, it is currently between 3.5 and 6.5 percent.

How much do the notary and land register cost?

Together they often amount to around 1.5 to 2 percent of the purchase price.

Is there always a broker commission?

No. In the case of private sales or certain new construction projects, it may be omitted or distributed differently.

Can I help finance the additional costs?

Some banks do this, but it usually requires more equity or a higher interest rate.

Why are additional costs so important?

Because they are in addition to the purchase price and can quickly add up to a high five-figure amount.

Related calculators

Continue seamlessly

Property tax calculator

Calculate property tax according to the federal model roughly from the property tax value, measurement number and assessment rate.

Sources and notes

Rule status and context

Formula
Additional costs = real estate transfer tax + notary + land register + broker