Beyond purchase price, plan for €150–€600/month of running costs depending on property type and amenities. Pools and gardens add the most.
Community fees
€60–€300/month typical, €500+ for luxury complexes with pools, gardens, security and lifts.
IBI council tax
€400–€1,800/year depending on cadastral value and town.
Insurance
€200–€1,200/year — higher for villas with pools.
Utilities
Electricity: €60–€200/month. Water: €25–€80/month. Internet: €30–€50/month.
Maintenance
Budget 1% of property value per year for upkeep and repairs.
Pool care
€80–€180/month for weekly service.
Garden care
€60–€250/month depending on size.
Property management
€60–€180/month for non-resident owners — includes check-ups, mail, problem-solving.
Real monthly examples
Apartment Calpe (community pool): ~€280/mo all-in. Townhouse Jávea: ~€450/mo. Villa Moraira (private pool, garden, management): ~€950/mo.