How Much Does It Cost to Buy Property in Albania?
Calculate all the real costs: taxes, notary fees, cadastre, commissions, and annual tax. Verified data for 2026.
Configure Your Purchase
100,000 EUR
approximately 10,900,000 ALL
20,000 EUR2,000,000 EUR
80 m2
20 m2500 m2
Total Purchase Cost
0 EUR
property + all costs
0% above property price
Additional Costs
0 EUR
Excluding property price
Transfer Tax
0 EUR
Primary cost
Fixed Fees
0 EUR
Notary + Cadastre
As % of Price
0%
Cost ratio
Detailed Breakdown0 EUR costs
Annual Tax After Purchase
ESTIMATED ANNUAL TOTAL
0 EUR/year
Assessment for Your Transaction
Configure the fields above for a personalised assessment.
The 2026 Revaluation Law: 5% or 15% Capital Gains Tax?
Law 85/2025 "On the Revaluation of Real Estate" came into force on 1 January 2026 and allows a property owner to declare their property at market value, paying only 5% tax on the difference in value.
LAW 85/2025 IN FORCE 2026
How the new mechanism works
Any individual or legal entity that owns property valued below market price has the right, during the period 1 January 2026 to 31 December 2026, to revalue that property to its market value. The registration tax is 5% of the difference between the old value and the new value. This saves up to 10,000 EUR or more for properties with high capital gain.
Without Revaluation
15%
on the full capital gain
With ASHK Revaluation
5%
on the new value difference
Deadline
31 Dec 2026
Payment for incomplete applications
Competent Authority
Local ASHK
Or licensed expert
| Scenario | Purchase Price | Sale Price | Gain | Tax Applicable | Saving |
|---|---|---|---|---|---|
| Without revaluation | 50,000 EUR | 100,000 EUR | 50,000 EUR | 7,500 EUR (15%) | - |
| With 2026 revaluation | 50,000 EUR | 100,000 EUR | 50,000 EUR | 2,500 EUR (5%) | 5,000 EUR |
| Without revaluation | 30,000 EUR | 130,000 EUR | 100,000 EUR | 15,000 EUR (15%) | - |
| With 2026 revaluation | 30,000 EUR | 130,000 EUR | 100,000 EUR | 5,000 EUR (5%) | 10,000 EUR |
Scenario 1 - Without Revaluation
Purchase50,000 EUR
Sale100,000 EUR
Gain50,000 EUR
Tax7,500 EUR (15%)
Saving-
Scenario 1 - With 2026 Revaluation
Purchase50,000 EUR
Sale100,000 EUR
Gain50,000 EUR
Tax2,500 EUR (5%)
Saving5,000 EUR
Scenario 2 - Without Revaluation
Purchase30,000 EUR
Sale130,000 EUR
Gain100,000 EUR
Tax15,000 EUR (15%)
Saving-
Scenario 2 - With 2026 Revaluation
Purchase30,000 EUR
Sale130,000 EUR
Gain100,000 EUR
Tax5,000 EUR (5%)
Saving10,000 EUR
Two Routes to Revaluation
1. Through the local ASHK offices, which calculate the value based on minimum fiscal prices. 2. Through a licensed real estate valuation expert, whose document is attached to the application. Applications that are incomplete by 30 September 2026 are automatically considered for revaluation provided payment is made by 31 December 2026.
6 Steps in the Buying Process
The complete process typically takes 2 to 8 weeks if all documents are in order.
1
Find the Property and Agree the Price
Agree on the price and terms. Check the price in your region through ASHK or an agent.
2
Preliminary Contract
Sign a preliminary contract and pay a deposit of 10% of the price. This contract is legally binding on both parties.
3
Title Verification
Check the title at ASHK for mortgages, encumbrances, and third-party rights. This is the most critical step in the process.
4
Signing at the Notary
The final contract is signed before a public notary. A notary is required by law. Official taxes are paid at this stage.
5
Final Payment
Pay the balance (typically 90%). Around 70% of purchases by foreigners are made by bank transfer.
6
ASHK Registration
The notary submits the documents to ASHK. Registration protects legal ownership and is completed within 2 to 8 weeks.
Full Costs Table
All verified costs for 2026, based on PwC Albania 2025 and official state sources.
| Cost | Rate | Amount | Who Pays | When |
|---|---|---|---|---|
| Property Transfer Tax | 2% residential resale | Based on price | Buyer | At the notary |
| Commercial Transfer Tax | 2% to 4% | Based on price | Buyer | At the notary |
| Notary Fee | 0.23% - 0.35% | Min 150 EUR / Max 450 EUR | Buyer | At the notary |
| ASHK Registration | Fixed fee | 80 EUR - 100 EUR | Buyer | After signing |
| Title Tax (new builds only) | 6 EUR/m2 | Based on area | Buyer | At the notary |
| Municipal Fee (new builds only) | Fixed fee | 3 EUR - 10 EUR | Buyer | At registration |
| Agent Commission | 1% buyer / 3% seller | Based on property price | Each party separately | Before or after signing |
| Compulsory Insurance | 1% of price | Based on price | Buyer | Mortgage purchases only |
| Bank Valuation | Fixed fee | 200 EUR - 400 EUR | Buyer | Before mortgage approval |
| Translations and Apostille | Fixed fee | 100 EUR - 300 EUR | Foreign buyer | During the process |
| TYPICAL TOTAL (without agent) | 3% to 5% | Average ~4% | Buyer | - |
| TOTAL WITH AGENT | 4% to 7% | Including agent commission | Buyer | - |
Property Transfer Tax (Residential)
Rate2% of price
Who PaysBuyer
WhenAt the notary
Property Transfer Tax (Commercial)
Rate2% to 4%
Who PaysBuyer
WhenAt the notary
Notary Fee
Rate0.23% to 0.35%
AmountMin 150 EUR / Max 450 EUR
WhenAt the notary
ASHK Registration
RateFixed fee
Amount80 EUR to 100 EUR
WhenAfter signing
Title Tax (new builds only)
Rate6 EUR / m2
AmountBased on area
WhenAt the notary
Municipal Fee (new builds only)
RateFixed fee
Amount3 EUR to 10 EUR
WhenAt registration
Estate Agent Commission
Rate1% buyer / 3% seller
Who PaysEach party separately
WhenBefore or after signing
Compulsory Insurance
Rate1% of price
Who PaysBuyer
WhenMortgage purchases only
Bank Valuation
RateFixed fee
Amount200 EUR to 400 EUR
WhenBefore mortgage approval
Translations and Apostille
RateFixed fee
Amount100 EUR to 300 EUR
Who PaysForeign buyer
TYPICAL TOTAL (without agent)
Rate3% to 5%
Average~4%
TOTAL WITH AGENT
Rate4% to 7%
DescriptionIncluding agent commission
Annual Taxes After Purchase
Ongoing ownership costs in Albania are among the lowest in all of Europe.
Building Tax
- Tirana and Durres: 2.10 EUR per m2 per year
- Vlore, Riviera, Sarande: 0.90 EUR per m2 per year
- Other regions: 0.50 to 1.00 EUR per m2 per year
- Second property: tax doubles automatically
- Commercial property: 0.2% of cadastral value
- Paid on the water bill each month
Other Annual Taxes
- Rental income tax: 15% of gross income
- Capital gain on sale: 15% (or 5% with 2026 revaluation)
- No inheritance tax for close family
- Tirana educational infrastructure levy: approximately 17.50 EUR per year
- Waste collection: 9.60 EUR to 48 EUR per year
- Building maintenance: 10 EUR to 30 EUR per month
Double Taxation Treaties
Albania has double taxation treaties with: Italy, Turkey, Germany, the United Kingdom, France, Greece, Austria, Bulgaria, Serbia, Kosovo, and over 40 other countries. A foreign owner does not pay tax twice on the same income.
Albania's Tax Advantages
- No restrictions for foreign buyers, the same rights as Albanian nationals
- 2% transfer tax, among the lowest in all of Europe
- No inheritance tax for spouses, children, and parents
- No annual wealth tax as exists in many EU countries
- The new 2026 law allows capital gains tax to be capped at just 5%
- Gross rental yield of 5% to 8% per year for good coastal locations
- Ownership of over 20 m2 supports an application for a residence permit in Albania
- Market growing at 6.52% per year according to Statista projections to 2028
