# Marbella Property Holding Cost Calculator

Buying a Marbella villa is the headline number. **Holding it costs more than most buyers realize.**

Annual budget includes: IBI (annual property tax), community fees (urbanisation-dependent), basura (garbage), property insurance, pool maintenance, garden care, utilities (year-round vs summer-only varies enormously), AC/heating maintenance, repairs reserve, and Patrimonio wealth tax (zero if Andalucía resident, else applies).

Realistic annual holding cost for **€2M Marbella villa with pool + medium garden, year-round use**: roughly **€42,000-€55,000/year** (= 2.1-2.8% of property value).

Plug your numbers in:







## Typical annual holding cost ranges (Marbella)

| Property type | Annual cost % of value | Monthly |
|---|---:|---:|
| €500K apartment (basic) | 1.2-1.8% | €500-750 |
| €1M apartment (concierge) | 1.5-2.2% | €1,250-1,800 |
| €2M villa (basic urbanisation) | 1.8-2.5% | €3,000-4,200 |
| €4M villa (gated urbanisation) | 2.0-2.8% | €6,700-9,300 |
| €10M villa (La Zagaleta / La Reserva) | 1.8-2.5% | €15,000-21,000 |
| €25M ultra-prime estate | 1.5-2.2% | €31,000-46,000 |

Note: % typically DECREASES at top end (fixed costs amortize over larger value).

## Patrimonio (wealth tax) — Andalucía advantage

Andalucía has **100% Patrimonio bonification** for residents (Decreto-Ley 1/2019). For HNW buyers comparing Spain vs France (IFI 1.3M+ threshold) vs Italy, this is a major structural advantage.

Non-resident Patrimonio on Spanish-only assets:
- €0-700K: €0 (allowance)
- €700K-€1.7M: 0.2-0.5% of excess
- €1.7M-€10M: 0.7-1.8% of excess
- €10M+: 2.5-3.5%

Plus Solidaridad surcharge above €3M global net assets (1.7%-3.5%).

## Related reading

- [Spanish Property Tax & Legal Complete Guide 2026](/spanish-property-tax-legal-complete-guide-2026-en)
- [Investor Report — Tax Arbitrage 2026 Six-Regime Comparison](/investor-report-marbella-tax-arbitrage-2026-en)
- [Marbella Property Insurance Deep-Dive](/article-marbella-property-insurance-deep-dive-en)