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
- Investor Report — Tax Arbitrage 2026 Six-Regime Comparison
- Marbella Property Insurance Deep-Dive