How much does it cost to sell a home?

Mainly the agency fee, the APE (energy performance certificate), any costs to regularize the property and, where applicable, capital gains tax. The calculator estimates the net amount.

When is capital gains tax paid?

If you sell within 5 years of purchase a property that was not inherited and was not your main residence, the capital gain is taxable, normally at the 26% substitute tax or IRPEF.

How is the capital gain calculated?

Selling price minus purchase price, increased by documented related costs (for example works and notary costs on purchase).

What happens if I still have a mortgage?

On sale the remaining mortgage is paid off from the proceeds: the amount to return to the bank reduces the net you receive.

Victor & Co Real Estate

Selling a home: costs, taxes and net proceeds

Find out what is left in your pocket after the agency fee, any capital gains tax, the mortgage to pay off and expenses: the net amount you can expect from the sale.

Selling price

€

Purchase price

€

Documented renovation costs

€

They can be deducted from the capital gain if documented.

Years of ownership

years

It was my main residenceI received it by inheritance

Agency fee3%

Remaining mortgage to pay off

€

APE (energy performance certificate) and other certifications

€

Other costs (searches, regularization of irregularities…)

€

Net proceeds (estimate)

€213,250

After costs, taxes and mortgage payoff

Selling price	€220,000
− Agency fee	€6,600
− Capital gains tax (26%)	€0
− APE (energy performance certificate) and other certifications / Other costs (searches, regularization of irregularities…)	€150
− Remaining mortgage to pay off	€0
Net proceeds (estimate)	€213,250

No capital gains tax estimated (purchased more than 5 years ago, main residence or inheritance). Gross capital gain: €70,000.

Simplified calculation: the capital gain is taxed if the sale takes place within 5 years of purchase (with exclusions for main residence and inheritance); revaluations, registration taxes and your specific case may also affect it. Ask your notary or accountant to confirm. Informational tool: results are estimates and do not constitute an offer, financial advice or credit brokerage. Actual rates, spreads and taxes depend on the bank, the notary and your situation: check them before deciding.

From price to net

The selling price is not what you receive: subtract the agency fee, expenses, taxes and remaining mortgage to find the net.

Capital gains and the 5-year rule

After five years from purchase, or for a main residence or inheritance, no capital gains tax is due. Within 5 years it is.

Get a valuation before listing

A correct estimate of value avoids pricing mistakes. With Victor & Co's free valuation you get a realistic market price for your area.

Frequently asked questions

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