If you are considering buying a home in Marbella in 2026, this guide will walk you through every step of the process — clearly, simply, and with real expert insight. Marbella continues to be one of Europe’s most attractive destinations for foreign property buyers, and if you want local guidance or curated luxury listings, ESNY Marbella is an excellent place to start.
Whether you’re buying a holiday home, relocating permanently, or looking for a stable real-estate investment, this guide explains exactly what you need to know — laws, costs, paperwork, timelines, and the best areas to consider.
Why Marbella Is a Top Choice for Foreign Buyers in 2026
Marbella remains the crown jewel of the Costa del Sol. It offers 320 days of sunshine, stable property values, low property taxes compared to many European countries, a safe environment, and an international community where English is widely spoken.
Foreign buyers are especially drawn to:
- Safe, established neighborhoods
- Strong long-term property appreciation
- A stable legal framework
- High demand for luxury rentals
- Easy access to Málaga Airport
Marbella is not just a lifestyle purchase — it’s a long-term value purchase.
Can Foreigners Buy Property in Marbella?
Yes. Spain has no restrictions at all on foreign property ownership.
Whether you are from the EU, UK, US, Middle East, or anywhere else — you can buy in Marbella without limits.
To buy property, you only need:
- A valid passport
- An NIE number (Foreigner Identification Number)
- A Spanish bank account (recommended)
- A lawyer
Spain is one of Europe’s simplest and safest countries for foreign real-estate transactions.
Step-by-Step: How to Buy Property in Marbella (2026)
Buying property in Marbella typically takes 4–8 weeks, and this is the exact process most international buyers follow:
1. Choose a trusted real-estate agent
A knowledgeable local agent is essential. The Marbella market is fragmented, with many off-market listings, so working with a reputable agency like ESNY Marbella ensures you see the best properties and avoid common pitfalls.
2. Get your NIE number
This is mandatory for all purchases, taxes, and utilities.
Your lawyer can apply for it on your behalf.
3. Open a Spanish bank account
This makes the process smoother for payments, taxes, and utilities.
4. Hire an independent lawyer
Your lawyer represents you, performs due diligence, checks ownership, confirms building licences, reviews debts and community fees, and ensures the property is legally safe.
5. Make an offer & sign the reservation contract
A small deposit (usually Euro 6,000–Euro 20,000) removes the property from the market for 2–3 weeks.
6. Sign the Private Purchase Contract (PPC)
You pay 10% of the purchase price (minus your reservation).
The seller is now fully bound to the sale.
7. Completion at the Notary
You pay the remaining amount, receive the keys, and officially become the owner. Your lawyer registers the property in your name and handles all taxes.
Costs & Taxes When Buying in Marbella (2026)
You should budget 10–13% on top of the purchase price.
Here are the main costs buyers face:
Transfer Tax (Resale Homes)
- 7% flat rate across Andalucia
Very competitive by European standards.
VAT + Stamp Duty (New Builds)
- VAT: 10%
- Stamp duty: 2%
Lawyer fees
- Typically 1–1.5% of the purchase price
Notary & Registry fees
- Usually Euro 1,000–Euro 3,000
Bank & mortgage costs (optional)
- Valuation: Euro 300–Euro 600
- Bank fees vary depending on lender and nationality
Compared to other luxury destinations like Monaco or the French Riviera, Marbella offers significantly lower acquisition taxes, which is one reason foreign demand remains so strong.
Best Areas to Buy Property in Marbella (2026)
Marbella’s neighborhoods each have a unique feel. Here are the top choices for foreign buyers:
1. Golden Mile
The most iconic stretch in Marbella — luxury villas, beachfront living, and proximity to Marbella Club and Puente Romano.
2. Sierra Blanca
A secure, prestigious hillside community with stunning sea views and easy access to the Golden Mile. Known for privacy and high-end villas.
3. Nueva Andalucia
Popular among Scandinavians and international families. Known for golf, restaurants, schools, and modern villas.
4. Puerto Banus
For buyers seeking nightlife, marinas, designer shopping, and waterfront apartments.
5. East Marbella
Beachfront homes, quieter beaches, and a more residential feel. Popular with families.
6. Benahavis & La Quinta
Luxury gated communities, newer villas, mountain views, and beautiful nature.
If you want help choosing an area based on lifestyle, budget, or investment goals, ESNY Marbella provides detailed local guidance.
How Much Are Property Prices in Marbella? (2026 Expectation)
Prices vary widely depending on location:
- Standard apartments: Euro 350,000–Euro 700,000
- Quality townhouses: Euro 600,000–Euro 1.5M
- Modern villas in good areas: Euro 2.5M–Euro 6M
- Luxury villas (Golden Mile, Sierra Blanca, La Zagaleta): Euro 5M–Euro 25M+
Prices are expected to remain strong in 2026 due to:
- Limited land
- High foreign demand
- Constant lifestyle migration to Spain
- Low property taxes compared to other EU countries
Marbella is a “blue-chip” market — it rarely drops.
Is Buying Property in Marbella a Good Investment?
For most foreign buyers, the answer is yes.
Marbella offers:
Strong rental demand
Both long-term and holiday rentals perform exceptionally well.
Stable resale value
Premium areas like Sierra Blanca, Golden Mile, and Nueva Andalucia hold value in all markets.
Long-term appreciation
Luxury villas have appreciated strongly over the last decade.
Frequently Asked Questions
Is it safe for foreigners to buy property in Marbella?
Yes. Spain has a transparent legal system and strong buyer protections when using a qualified lawyer.
Do I need to live in Spain to own property?
No. Many owners visit only part of the year.
How long does the buying process take?
Typically 4–8 weeks if documents are ready.
Do I need a Spanish mortgage?
No, but foreigners can obtain mortgages up to 60–70% LTV in most cases.
Do I need a lawyer?
Yes — never buy without one.
Can non-EU citizens buy freely?
Yes. There are no restrictions.
Final Thoughts
Buying property in Marbella in 2026 is straightforward, secure, and filled with opportunity — whether for lifestyle, relocation, or investment. With the right legal support and a trusted agent, the process is smooth and predictable.
If you’re ready to explore the best homes in Marbella, start with a professional and curated selection from ESNY Marbella.
ESNY Marbella
Andreas Mezan
Email: andreas.mezan@esnyglobal.com