Complete list of costs when buying property in 2026. Notary fees, local tax, registration fee and bank costs. Who pays the fees? Learn here.
Cost Calculator 2026: What fees are paid when buying property and who pays them?
Planning a budget for a new home doesn't end with the agreed price with the seller. Buyers often forget about the so-called additional costs in property transactions, which can reach between 4% and 6% of the transaction value.
In this article, we'll examine in detail all notary fees, local taxes, and bank costs for 2026, so you're financially prepared.
When transferring real estate in Bulgaria, three main state and municipal fees are paid. They are calculated on the material interest (the higher value between the sale price and the tax assessment).
This is the largest expense. Its amount is determined individually by each municipality.
(Note: Values are current as of 2025/2026, but always check for updates in the specific municipality).
It is determined by the Tariff for Notary Fees under the Notaries and Notarial Activity Act. The fee is regressive – the higher the price, the lower the percentage, but the amount increases.
Paid to the Registry Agency. It is fixed at 0.1% of the material interest, but not less than 10 BGN.
According to Art. 186 of the Obligations and Contracts Act (ЗЗД), the costs of the sale are divided equally between the parties, unless otherwise agreed.
In practice however:
Close-up of a notary public stamping a legal document, gold seal, official atmosphere, high-end office furniture in the background, professional photography style
If you're buying with a loan, your property purchase fee calculator should include:
Let's calculate the costs for an apartment priced at 200,000 BGN (approx. 100,000 euros):
| Fee Type | Percentage/Formula | Approximate Amount |
|---|---|---|
| Local Tax (Plovdiv) | 3% | 6,000 BGN |
| Notary Fee | By tariff (+VAT) | ~1,200 - 1,500 BGN |
| Registration Fee | 0.1% | 200 BGN |
| Notarial Deed Preparation | By agreement | 200 - 500 BGN |
| TOTAL | ~3.9% | ~7,900 BGN |
Fee calculator for property gift: If the gift is between relatives in direct line (parents-children), the local tax is 0%. If between siblings – about 0.7%.
Notary fee calculator for parking space: When buying a parking space or garage that is considered a separate object, fees are calculated the same way as for a residence.
High-quality 3D render of a "Cost vs Budget" scale, with a model house on one side and gold coins on the other, balanced perfectly, clean studio lighting, white background
To be as precise as possible in your calculations, use the following official resources:
Tariff for Notary Fees: Here are described the exact amounts that a notary is entitled to collect. Link to Lex.bg - Tariff for Notary Fees
Local Taxes and Fees Act (ЗМДТ): Regulates how municipalities determine the acquisition percentage. Link to Lex.bg - ЗМДТ
Plovdiv Municipality Local Taxes Ordinance: (Important for properties in Plovdiv) Official Plovdiv Municipality Website - Taxes
Electronic Calculator (Helper Tool): Use our free calculator for notary fees and taxes when buying property. The calculator automatically calculates the notary fee, VAT, municipal tax, and registration fee in euros for 2026.
If you want to add our calculator to your website, follow the steps in our article: How to Add a Free Calculator for Notary Fees and Taxes When Buying Property 2026.
Property purchase costs in 2026 are a significant part of the budget. Always request a preliminary invoice from your broker or notary before appearing at the transaction.
Need assistance checking documents or looking for property with low transfer fees? Contact the team at https://mrimot.com/en/listings.
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