Buying a home in Greece

The steps

You get a Greek tax number and appoint a lawyer to check the title. The transfer tax is paid before signing. You sign the contract at a notary, and it is registered at the cadastre (Ktimatologio).

The costs

Transfer tax is 3.09% of the price or the official tax value, whichever is higher. A lawyer charges 1% to 2% plus 24% VAT. The notary's fee is set by law: 0.8% up to €120,000 and 0.7% on the part up to €380,000, plus 24% VAT, so about 1% in all. Land registry (cadastre): 0.5%. An agent fee of about 2% plus 24% VAT, paid by the buyer, is common. A 15% non-EU transfer tax is planned for 2027; the start date and exemptions aren't fixed and no law has been passed (checked 22 Oct 2026).

Calculate buying costs in Greece

A 15% non-EU transfer tax is planned for 2027; the start date and exemptions aren't fixed and no law has been passed (checked 22 Oct 2026).

Tax ID and bank account

You need an AFM, the Greek tax number, from the tax office; a lawyer can apply for you. A Greek bank account is needed to pay the price and taxes.

Visas and the 90-in-180 rule

Visitors from outside the EU can spend 90 days in any 180 across the Schengen area. Greece also has a residence permit for property buyers, with minimums that depend on the area. The rules change often, so check before you rely on it. Since April 2026 the EU's Entry/Exit System records fingerprints and a photo at Schengen borders. ETIAS travel authorisation for visa-free visitors is expected from late 2026.

Check your 90/180 days

Running costs

Owners pay ENFIA property tax every year. A small municipal fee is added to the electricity bill. Add utilities, insurance and any building fees.

Calculate buying costs in Greece

What to check before you offer

Check the title at the cadastre and look for unlicensed building work. An engineer should confirm the building matches its permits. Check that the land is not on a forest map.