Closing Costs in Austria: Calculator, Table & Examples
Taxes, land registry, notary, and broker fees in one place — plus scenarios, table, and a quick checklist.
Ahmet Parlak
Mortgage & Property Finance Expert, Vienna
Kurzantwort: Kaufnebenkosten in Österreich
- Plane meist 8–10% des Kaufpreises als Nebenkosten ein.
- Fixe Posten: Grunderwerbsteuer (3,5%) + Grundbuch (1,1%).
- Maklerkosten fallen nur an, wenn ein Makler involviert ist.
- Förderungen (z. B. Hauptwohnsitz-Begünstigung) können die Gebühren senken.
Last updated: 2026-02-01
TL;DR
- •Plan around 8–10% of the purchase price as closing costs.
- •Fixed items: transfer tax (3.5%) + land registry (1.1%).
- •Broker fees apply only if a broker is involved.
- •Primary-residence exemptions may reduce some fees.
Use the calculator to plan price + costs together.
Which closing costs apply in Austria?
Buying property in Austria involves mandatory closing costs on top of the purchase price, typically totalling between 8% and 11% of the purchase price. The exact amount depends on whether a broker is involved and the scope of notary services. Critically, Austrian banks do not allow closing costs to be financed through the mortgage — all of these costs must be paid from personal savings. This means buyers effectively need roughly 28–31% in cash (20% equity plus 8–11% closing costs) to complete a standard purchase.
The table below shows each cost item and its typical range. For initial budget planning, allow at minimum 10% of the purchase price as a closing costs buffer. (Sources: BMF.gv.at; OeNB statistics; JustizOnline.gv.at)
| Item | Typical range |
|---|---|
| Transfer tax | 3.5% of purchase price |
| Land registry | 1.1% (primary residence exemptions possible) |
| Notary/contract | approx. 1–2% |
| Broker fee | 3–4% (if broker involved) |
| Other fees | 0.2–0.5% (certifications, extracts) |
Broker yes/no: how do total costs change?
Broker fees are usually the largest variable item:
With broker
- •Add roughly 3–4% + VAT.
- •Total closing costs often reach 9–11%.
Without broker
- •Broker fee removed — total costs often 6–8%.
- •More budget left for equity or reserves.
Example: what do closing costs look like at €400,000?
Transfer tax (3.5%): €14,000
Land registry (1.1%): €4,400
Notary (1.5%): €6,000
Broker (3%): €12,000
Total closing costs: approx. €36,400
Common mistakes that increase closing costs
Avoid these budget traps:
- •Ignoring closing costs when setting your equity budget.
- •Underestimating broker + contract fees.
- •Checking subsidies too late.
- •Forgetting moving and furnishing costs.
- •Mis-timing the tax and registry payments.
Checklist before the bank meeting: what to bring?
Prepare the following items:
- •Purchase price, property type, and listing or draft contract.
- •Equity overview including closing costs.
- •Proof of income and existing obligations.
- •Preferred term, fixed/variable choice, and target payment.
How to plan closing costs realistically
Keep your budget realistic by planning both price and costs.
Check subsidy options such as <a href="/en/guides/austria-housing-subsidies" class="text-blue-600 underline">housing subsidies</a> if you qualify.
- •Look for broker-free listings when possible.
- •Verify primary-residence exemptions for land registry fees.
- •Include closing costs in your financing plan.
- •Add a 5–10% buffer for extra costs.
FAQ
Plan around 8–10% of the purchase price. With a broker, it can be higher.
Sometimes, but most banks expect you to cover them with equity.
Certain primary-residence exemptions exist for land registry fees.
Usually 3–4% of the purchase price if a broker is involved.
Transfer tax and land registry are fixed; broker and notary fees vary.
As early as possible — ideally before financing approval.
Transfer tax and land registry fees always apply. Notary/contract fees are also standard.
For owner-occupied property, usually no. For rentals, some costs may be relevant — check with a tax advisor.
Typically shortly after signing and before or at registration, depending on the process.
Yes. Developer fees or contract structures can add costs, while broker fees may vary.
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Next step: quick scenario check
Pick the option that helps you decide fastest.