2026 Cyprus property purchase costs

Cyprus Property Purchase Cost Calculator

Estimate the total cash needed to buy a Cyprus property, including VAT, reduced first-residence VAT, transfer fees, legal fees and practical buyer costs.

Stamp duty removed2026 model sets Cyprus property stamp duty to zero.
VAT-awareNew properties can use 19% VAT or reduced 5% primary-residence rules.
Transfer feesResale transfers use DLS bands with the 50% reduction.
Buyer budgetShows all-in cost and add-on percentage over purchase price.

Enter purchase details

Reduced VAT requires strict eligibility. This tool estimates the cost effect, not approval.

1

Property price and type

Transfer-fee bands are split per buyer.
2

VAT and transfer treatment

Reduced VAT model: uses 5% on the eligible part up to EUR 350,000 and the first 130 sqm, only if total value is at most EUR 475,000 and area is at most 190 sqm.

Purchase cost estimate

Total cash needed
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VAT
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Transfer fees
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DLS fee estimate
Professional costs
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Legal plus VAT and buffer

Cost breakdown

Planning notes

Related property guides

Use these guides to understand the buying process behind the cost estimate.

Buying property in CyprusLegal steps, checks and practical buyer risks.Best places to liveCompare districts before committing to a property search.Cost of living in CyprusUnderstand the wider budget beyond purchase costs.

2026 assumptions

Transfer fees3%, 5%, 8% bands, split by buyer, then 50% reduction where no VAT is paid.
VAT19% for standard new-build purchases; 5% first-residence model where eligible.
Stamp dutyModelled as abolished from 1 January 2026.

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