€35,700
Germany · Day-one cash
Stamp duty and transfer tax besides the deposit
Real estate transfer tax by state + notary and land registry (about 2%). Cash due before completion, separate from the monthly payment.
Example with the default inputs. Change any field to recalculate.
€35,700 on top of the deposit
Deposit €84,000 · cash to close €119,700.
€84,000
€119,700
Breakdown
| Real estate transfer tax, North Rhine-Westphalia (6.5%) | €27,300 |
| Notary and land registry (approx. 2%) | €8,400 |
What this includes
Real estate transfer tax for the state you choose, plus about 2% for notary and land registry. Agent commission is not included.
How we calculate
Real estate transfer tax (Grunderwerbsteuer) is set by each German state: Baden-Württemberg 5.0%; Bavaria 3.5%; Berlin 6.0%; Brandenburg 6.5%; Bremen 5.5%; Hamburg 5.5%; Hesse 6.0%; Mecklenburg-Western Pomerania 6.0%; Lower Saxony 5.0%; North Rhine-Westphalia 6.5%; Rhineland-Palatinate 5.0%; Saarland 6.5%; Saxony 5.5%; Saxony-Anhalt 5.0%; Schleswig-Holstein 6.5%; Thuringia 5.0%. Each rate is linked below to that state's official source (in German). The tax is rounded down to the full euro. Notary and land registry fees follow a fee schedule and are approximated at 2% of the price. Agent commission is not included.
Official sources
- Baden-Württemberg 5.0% — Baden-Württemberg tax offices — real estate transfer tax
- Bavaria 3.5% — Bavarian State Tax Office — real estate transfer tax FAQ
- Berlin 6.0% — Berlin Senate Department for Finance — real estate transfer tax FAQ (since 1 Jan 2014)
- Brandenburg 6.5% — Brandenburg tax offices — real estate transfer tax (since 1 Jul 2015)
- Bremen 5.5% — Bremen service portal — real estate transfer tax (since 1 Jul 2025)
- Hamburg 5.5% — City of Hamburg — real estate transfer tax: information and responsible office
- Hesse 6.0% — Hesse State Parliament, printed paper 20/8232 — answer of the Minister of Finance (since Aug 2014)
- Mecklenburg-Western Pomerania 6.0% — Mecklenburg-Western Pomerania tax portal — real estate transfer tax
- Lower Saxony 5.0% — Lower Saxony State Tax Office — FAQ (since 1 Jan 2014)
- North Rhine-Westphalia 6.5% — North Rhine-Westphalia tax offices — real estate transfer tax (since 1 Jan 2015)
- Rhineland-Palatinate 5.0% — Rhineland-Palatinate Ministry of Finance — questions and answers (since 1 Mar 2012)
- Saarland 6.5% — Saarland service portal — real estate transfer tax (since 1 Jan 2015)
- Saxony 5.5% — Saxony Real Estate Transfer Tax Rate Act, § 1 (since 1 Jan 2023)
- Saxony-Anhalt 5.0% — Saxony-Anhalt State Statistical Office — press release 209/2023 (2023)
- Schleswig-Holstein 6.5% — Schleswig-Holstein Real Estate Transfer Tax Rate Act, § 1 (since 1 Jan 2014)
- Thuringia 5.0% — Thuringia Real Estate Transfer Tax Rate Act, § 1 (since 1 Jan 2024)
- German Real Estate Transfer Tax Act, § 11 (rounding down to full euro)
Rules checked against these sources on 24–25 September 2026.