This is how our purchase costs calculator works
With our ancillary purchase costs, you can find out quickly and without a calculator, how much it really costs your property – including taxes, notary and brokers. The whole thing is simply structured and works like this:
1. Enter the purchase price
At the top left, enter the purchase price of the property. In our example they are 500,000 €. Important: This is the total price including the property.
2. Select federal state
On the right, choose which federal state your property is in. This is important because the Real estate transfer tax depending on the federal state differs. In the example, the Baden-Württemberg is, where the sentence is 5 %.
3. Determine brokerage commission
Below the one at the bottom left Brokerage commission in percent a. Standard are in many regions 3.57 %also in the screenshot. The computer then automatically calculates the specific amount.
4. Enter the notary and land register costs
At the bottom right, enter the percentage of Notary and land register start. Most of the time is between 1.5 and 2 % – Here are it 2.0 %.
5. Calculate now
A click on the button “Calculate now” enough – and the computer already shows you the complete overview.
| extra costs | Amount |
|---|---|
| Purchase price | 500,000 € |
| Real estate transfer tax (5 %) | 25,000 € |
| Notary and land register (2 %) | 10,000 € |
| Brokerage fee (3.57 %) | 17,850 € |
| Total additional costs | 52,850 € |
| Total costs including purchase price | 552,850 € |
That means: If you buy a house for € 500,000, come in this example Around € 53,000 an ancillary purchase costs on top. And that is exactly what the computer is there – so that they are not surprised.
What are the incoming costs when buying real estate?
If you buy a property, you don’t just pay the purchase price – there are a number of other costs on top.
These so -called Ancillary purchase costs are unfortunately often underestimated. Depending on the state and the type of purchase, you can quickly 9 to 15 % of the purchase price turn off. If you do not plan this, you risk financing gaps.
So that you know exactly what to expect, the most important cost points here at an overview:
1. Real estate transfer tax (3.5–6.5 %)
The biggest item below the additional costs. The height depends on the state:
| Federal State | Real estate tax rate | Example: Tax at € 500,000 Purchase price |
|---|---|---|
| Baden-Württemberg | 5.0 % | 25,000 € |
| Bavaria | 3.5 % | 17,500 € |
| Berlin | 6.0 % | 30,000 € |
| Brandenburg | 6.5 % | 32,500 € |
| Bremen | 5.0 % | 25,000 € |
| Hamburg | 5.5 % | 27,500 € |
| Hesse | 6.0 % | 30,000 € |
| Mecklenburg-Western Pomerania | 6.0 % | 30,000 € |
| Lower Saxony | 5.0 % | 25,000 € |
| North Rhine-Westphalia | 6.5 % | 32,500 € |
| Rhineland-Palatinate | 5.0 % | 25,000 € |
| Saarland | 6.5 % | 32,500 € |
| Saxony | 5.5 % | 27,500 € |
| Saxony-Anhalt | 5.0 % | 25,000 € |
| Schleswig-Holstein | 6.5 % | 32,500 € |
| Thuringia | 5.0 % | 25,000 € |
Between Bavaria and NRW, this does a full job with the same house price 15,000 € difference.
2. Notary and land register costs (1.5–2.0 %)
This includes:
For a house with € 500,000 purchase price you should 7,500–10,000 € plan for this.
3. Brokerage commission (3.57–7.14 %, half divided)
Buyers and sellers have been sharing the brokerage days since 2020. In practice, buyers usually pay 2.38–3.57 %.
At € 500,000 purchase price so round 11,900 to 17,850 € – if a broker is involved.
4.
This includes z. B.:
Overall, they can get on € 2,500-10,000 Pass.
5. Other additional costs
Don’t forget either:
-
Expert costs: 700–1,500 €
-
Moving costs: € 1,000–5,000 €
-
First renovations: € 2,000-10,000
Example calculation: purchase costs at € 500,000 purchase price
| extra costs | percent | Occupation (€) |
|---|---|---|
| Real estate transfer tax (NRW) | 6.5 % | 32,500 € |
| Notary & land register | 1.8 % | 9,000 € |
| Brokerage commission (3.57 %) | 3.57 % | 17,850 € |
| Financing costs | 1.0 % | 5,000 € |
| In total | 12.87 % | 64,350 € |
If you buy a property for € 500,000, you not only need equity for the purchase price, but also additional € 60,000 for the additional costs – Depending on the region, more or less. Without that, the financing quickly becomes tight.
Plan them always With at least 10–15 % additional costs, especially if you move to a federal state with a high tax rate or a broker is involved. And if you want to rent, it is also worth taking a closer look at the tax deductibility – many of these items are then deductible.
About the author
Carlos Arad
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