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Cost of selling a house Germany

The sale price isn't what you walk away with. Cost of selling a house in Germany: estate agent fees, legal costs, certificates and what you walk away with after paying off the mortgage, plus the tax rules on any gain. Free.

Costs on top of the price

€22,600

Any buyer · Bavaria 3.5% ·

5.7% of the price
5.7%of the price
Property transfer tax€14,000
Notary & land registry€8,000
Independent survey€600
Cash needed if you buy outright€422,600

What do you want to work out?

What do you want to work out?

What selling costs, from agent and legal fees to paying off the mortgage, and what you'd walk away with.

Region

Sale price

Estate agent fee · 3.0%

Mortgage left to pay off

Early repayment charge if any

On a fixed or discounted deal? Paying off early can cost 1–5% of the loan.

Costs of selling

€15,0803.8% of the price
Estate agent3.0% of the price plus 19% VAT
€14,280
Legal and adminTypical fee
€500
Certificates and other costsEnergy certificate (about €100 to €500). Legal figure covers notary and land registry for deleting the old mortgage charge; the buyer pays the main notary costs.
€300

Sale price

€400,000

Selling costs

€15,080

You walk away with

€384,920
Since December 2020 the fee is usually split 50/50 between buyer and seller (each about 3% plus 19% VAT, so about 3.57%); rates vary by state.
No tax if you lived in the home in the year of sale and the two years before, or if you owned it more than 10 years; otherwise the gain is taxed at your income tax rate (up to 45%). Non-residents are taxed the same way, with no withholding at sale.
Not sure what to ask?See what your home could be worth today, from official price data

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Up to dateRules last updated 14 Oct 2026Checked against official sources 14 Oct 2026Next check by 23 Oct 2026 · checked every weekSelling and lending figures checked 17 Oct 2026 · Sources: gesetze-im-internet.de, bafin.de · How we work it out

Typical costs, not a quote. Agent fees are negotiable and legal fees vary; ask for quotes. Tax on any gain depends on your circumstances: check with a tax adviser before you sell.

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Where are you buying?

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Next steps

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Questions

Buying in Germany: common questions

How much does it cost to sell a house in Germany?

Typically about 3.8% of the price on a €400,000 home: estate agent about €14,280, legal and admin about €500, certificates and other costs about €300. Agent fees are negotiable.

Do I pay tax when I sell a home in Germany?

No tax if you lived in the home in the year of sale and the two years before, or if you owned it more than 10 years; otherwise the gain is taxed at your income tax rate (up to 45%). Non-residents are taxed the same way, with no withholding at sale.

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

Any buyer in Bavaria 3.5%: property transfer tax is about €14,000. All buying costs together come to about €22,600, or 5.7% of the price. Change the price or buyer type above to see your own figure.

Do foreign buyers pay more in Germany?

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

Can foreigners buy property in Germany?

No limits on foreign buyers, and the same transfer tax.

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

A notary (Notar) to draw up and sign the contract. A German bank account is usually expected.

When were these Germany rules last checked?

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

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Costs on top
€22,600
Cash needed
€422,600