Selling House in Benissa: Taxes, Commissions and Expenses for the Seller

If you are thinking of selling your property in Benissa, it is essential to understand the expenses involved in the operation. From taxes to agency fees, sellers in Spain must bear several costs that can significantly affect the final amount they receive. This guide explains all the expenses when selling a house in Benissa so that you have a clear vision of what it entails.

Municipal Capital Gains Tax

The Municipal Capital Gains Tax is a local tax charged by the Benissa City Council on the increase in the value of the land since the last transfer. The calculation depends on:

The cadastral value of the land.
The years of ownership of the property.
The tax rate set by Benissa City Council.

Note: in some cases, when there has been no increase in value or it is minimal, the capital gain may be reduced or even not applied, according to current regulations.

Capital Gains Tax in Spain (IRPF / Capital Gains Tax)

When selling a property in Spain, Capital Gains Tax (IRPF) can be applied to the profit obtained:

Tax residents in Spain: the gain is taxed in progressive brackets. In 2025, gains are taxed approximately between 19% and 28%, depending on the total amount of the capital gain.
Non-residents: 19% for EU/EEA citizens and 24% for non-European sellers.

Usual exemptions:

Residents over 65 years of age who sell their main residence.
Residents who reinvest the amount in another main residence, complying with the legal requirements.

Real Estate Agency Fees in Benissa

In most sales, it is the seller who pays the commission of the real estate agency.

Generally between 3% and 5% + 21% VAT on the final sale price.
It is important to confirm in writing the exact percentage and whether it includes VAT before putting the property on the market.

Energy Performance Certificate (EEC)

The Energy Performance Certificate is mandatory in Spain to be able to sell a home. Without it, the property cannot be advertised.

Approximate cost: between €150 and €300, depending on size and characteristics.

Legal and Notary Fees

Although the buyer usually bears most of the notary and registry fees, the seller may have to pay:

Attorney or legal advisor fees.
Mortgage cancellation costs at the notary's office and Land Registry.

Mortgage Cancellation Fees

If the property in Benissa still has an outstanding mortgage:

The bank can charge between 0.5% and 1% of the outstanding principal for early cancellation, depending on the contract.
In addition, there are notary and registry costs to lift the load.

Other Expenses When Selling a Property in Spain

Community fees and outstanding utility bills must be settled prior to signing.
Certificates of being up to date with taxes can be requested.

Approximate Example: Expenses When Selling a €300,000 Villa in Benissa

This would be an indicative breakdown of the expenses that a seller could face in Benissa (the figures are approximate and depend on each case):

Agency fee (4% + VAT): €14,520
Municipal Capital Gains Tax: €2,000–€5,000 (depending on years of ownership and cadastral value, exact calculation at Benissa City Council)
Energy certificate: 200 €
Attorney's fees: €1,000–€2,000
Mortgage cancellation (if applicable): €1,000–3,000
Total estimated expenses: between €18,500 and €24,700

Checklist for Selling a Property in Benissa

Gather deeds, mortgage data and proof of community.
Obtain the Energy Efficiency Certificate.
Update all utility bills.
Consult with a tax advisor about possible exemptions.
Request a professional valuation to set a competitive price.

Conclusion: How Much Does It Cost to Sell a Property in Benissa?

On average, sellers should expect between 8% and 12% of the sale price in expenses and taxes when selling a property in Benissa. The exact amount will depend on your personal situation, the value of the home, the length of ownership and whether there is an outstanding mortgage.

If you are considering selling your house in Benissa or on the Costa Blanca, our team can offer you a free valuation and clear advice on all legal, tax and agency expenses.