Free · no sign-up · rules last checked 23 Oct 2026

Mortgage calculator Austria

The monthly payment is only part of the picture. Free mortgage calculator for Austria: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.

Costs on top of the price

€25,000

Any buyer ·

6.3% of the price

Property transfer tax€14,000

Land register entry€4,400

Notary or lawyer (contract)€6,000

Independent survey€600

Cash needed if you buy outright€425,000

Price

What do you want to work out?

Your monthly repayments, the deposit and the cash you need on day one.

Price

Deposit · 25%

Interest rate % (example)

Term (years)

Monthly repayment

€1,50225 years at 3.5%

Loan

€300,000

Deposit

€100,000

Total interest

€150,561

If rates rise 1%

€1,667

If rates rise 2%

€1,842

Cash needed on day one

€125,000

Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Where are you buying?

Each country, with its own rules

Tap a country to load its taxes, regions and buyer types.

🇬🇧United KingdomStamp duty 0–12%🇺🇸United StatesClosing costs 2–5%🇪🇸SpainITP 6–13% or VAT 10%🇫🇷FranceNotaire 7–8%🇮🇹ItalyRegistration 2–9%🇵🇹PortugalIMT + 0.8% stamp 🇩🇪GermanyTransfer tax 3.5–6.5%🇮🇪IrelandStamp duty 1–6%🇳🇱NetherlandsTransfer tax 0–8%🇧🇪BelgiumRegistration 2–12.5%🇦🇹Austria3.5% + 1.1% registry 🇬🇷GreeceTransfer tax 3.09%🇨🇾CyprusTransfer fee 3–8%🇲🇹MaltaStamp duty 5%🇭🇷CroatiaTransfer tax 3%🇦🇪Dubai (UAE)DLD fee 4%🇦🇺AustraliaStamp duty by state 🇳🇿New ZealandNo stamp duty 🇨🇦CanadaLand transfer tax

Next steps

Get quotes · Austria

Buying in Austria: common questions

How much is property transfer tax on €400,000 in Austria?

Any buyer: property transfer tax is about €14,000. All buying costs together come to about €25,000, or 6.3% of the price. Change the price or buyer type above to see your own figure.

Do foreign buyers pay more in Austria?

No. Foreign buyers pay the same purchase taxes as local buyers in Austria. Some rules on who can buy, or which rate applies, can still depend on where you live.

Can foreigners buy property in Austria?

EU and EEA citizens buy on the same terms as Austrians.

What do I need to buy a home in Austria from abroad?

A notary or lawyer to draw up the contract. Registration in the land register.

When were these Austria rules last checked?

We last updated the figures on 14 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.

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