A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
€5,260
Main home ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
€240,385Deposit
€60,096Buying costs
€5,904Monthly repayment
€1,178If rates rise 1%
€1,309Savings used
€66,000A rough guide from common lending limits in Italy (repayments up to about 33% of income, at most 80% of the price, terms up to 30 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in ItalyFor lawyers, brokers, surveyors and agents serving Italy. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Lenders in Italy usually keep the mortgage repayment under about 33% of your gross income. Enter your income above to see what that means for you.
Lenders usually lend up to about 80% of the price to people who live in Italy, so you need a deposit of at least 20%. On top of that, buying costs come to about 2.4% of the price. If you live abroad, many lenders lend at most 50%.
Main home: registration tax is about €1,760. All buying costs together come to about €5,260, or 2.4% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Italy. Some rules on who can buy, or which rate applies, can still depend on where you live.
EU citizens buy on the same terms as Italians.
A codice fiscale (Italian tax code). A notary to sign and register the deed.
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.
Guides
Buying in Italy?
CasaAlpha Deals checks and rates thousands of repossessions, auctions and price-cut homes every night. Free to join.
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