Loans & property

Property purchase costs calculator

On top of the purchase price come real estate transfer tax (Grunderwerbsteuer), the notary, the land registry (Grundbuch) and often an estate agent. The calculator shows the additional costs for your federal state.

Result

Transfer tax rate: –
Real estate transfer tax: –
Notary and land registry: –
Estate agent's fee: –
Total additional costs: –
Total cost including purchase price: –
Additional costs relative to purchase price: –

The results are non-binding estimates for guidance only and do not replace tax, legal or investment advice. What counts are your payslip, your tax assessment (Steuerbescheid) and the terms of your contracts.

Real estate transfer tax 2026 by federal state

Each federal state sets its own real estate transfer tax (Grunderwerbsteuer). It is based on the purchase price excluding movable items sold with the property, such as a fitted kitchen.

3.5%: Bavaria
5.0%: Baden-Württemberg, Lower Saxony, Rhineland-Palatinate, Saxony-Anhalt, Thuringia
5.5%: Bremen, Hamburg, Saxony
6.0%: Berlin, Hesse, Mecklenburg-Western Pomerania
6.5%: Brandenburg, North Rhine-Westphalia, Saarland, Schleswig-Holstein

Frequently asked questions

Can I finance the additional costs as well?

Many banks expect at least the additional costs to be paid from your own funds. Full financing is possible, but usually more expensive.

Which insurance do I need when buying?

The key policies are residential building insurance (Wohngebäudeversicherung) from the transfer of possession and risk, and often term life insurance for the loan. Read more in our guide to buying a home.