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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Related guide: Buying property in Germany – financing, closing costs, rental yield and property tax

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.

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Sources and notes

Rule status and context

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