Ongoing costs after buying a property in Spain: community fees and IBI tax explained

05 February 2026

Owning a property in Spain includes a set of ongoing costs that are straightforward and easy to plan for.

Once the sale is completed, there are several ongoing expenses that every buyer—especially international ones—should be aware of. From annual property taxes like IBI to monthly community fees for shared services, these costs are essential for maintaining your property and complying with local regulations.

In this article, we explain the two main post-purchase costs that apply to most properties in Spain, helping you plan your investment with clarity and avoid unexpected surprises.

1. Community fee

Community fees, similar to homeowner association (HOA) fees, are recurring expenses charged by the building administrator to cover maintenance and upkeep of shared areas.

Also known as "gastos de comunidad" in Spain, these are typically paid monthly or quarterly, depending on the administrator and the building's services.

The more shared amenities a building offers—such as a concierge, swimming pool, rooftop terrace, or gym—the higher the fee tends to be. Costs are calculated using an ownership coefficient model, meaning larger residences pay a proportionally higher share.

Community fees in Spain vary by location, property type, and services included, and they are an essential consideration when budgeting for ongoing property expenses as a foreign buyer.

2. Property taxes: IBI

IBI is an annual municipal property tax in Spain, calculated based on the property’s cadastral value (valor catastral), which is determined by the local council.

All property owners in Spain—residents and non-residents alike—are required to pay IBI. The amount varies depending on the location and characteristics of the property.

This tax is crucial to account for when calculating the annual cost of owning property in Spain. In urban areas like Barcelona or Madrid, IBI can represent a significant annual expense.

FAQs: post-purchase costs in Spain

ü How much are community fees in Spain?

Community fees can range from €50 to over €500 per month, depending on the building, amenities, and property size. Luxury buildings with concierge and pool services tend to have higher fees.

ü When is IBI tax due in Spain?

IBI is typically paid once a year. Payment schedules vary by region but usually fall between May and November.

ü Do non-residents have to pay IBI and community fees?

Yes, both residents and non-residents are legally obligated to pay these fees as property owners.

ü Can community fees be negotiated?

No, fees are calculated based on ownership percentage and are approved annually by the owners’ association.

ü Is there a penalty for not paying IBI or community fees?

Yes, non-payment can lead to fines, interest charges, and in extreme cases, legal action or property liens.

Understanding the recurring costs associated with property ownership is key to responsible and stress‑free management. Both IBI and community fees are standard expenses that should be included in the annual planning of any property owner, especially for those residing abroad. At Max Ricart Luxury Properties we support our clients beyond the purchase, providing personalized guidance to ensure a transparent, secure, and well‑planned ownership experience. Should you require further information or assistance in managing your real estate investment in Spain, please do not hesitate to contact us.