INE-based ranges with the property-purchase costs most calculators leave out — ITP, AJD, IBI, community fees, IRNR. Built by an independent buyer's agent on the Costa Blanca South.
Figures shown ± a realistic variance for your lifestyle, area within the region, and choices. Hover/tap items below for what's included & what's not.
INE consumer-units model: 1st adult = 1.0, each extra adult = +0.5, each child <14 = +0.3. Annual = regional cost per unit × your units × lifestyle multiplier, plus rent, insurance, and the optional modules below.
Day-to-day spending only — rent and insurance held constant so you see the regional difference. Gold = cheapest. Green = your region.
Valencia region. Costa Blanca South (Orihuela Costa, Torrevieja, Pilar de la Horadada, Guardamar) — lower property prices than Marbella or Mallorca, established expat infrastructure, real local life ten minutes inland. I live here.
A calculator gives a first estimate. The next step is a real conversation about your actual situation.
I'm an international buyer myself — I learned the Costa Blanca market by buying in it. With a finance and government background, I run Prime Home Match as a buyer-side practice for international clients who want a single independent representative on the ground.
Cost-of-living numbers are predictable. The expensive surprises come from decisions made before you even move in.
Asking prices on the Costa Blanca run 8–15% above what comparable properties actually close at. International buyers without sold-comparable data pay asking and call it a "negotiation."
Gated urbanisations with pool, security and gardens carry community fees of €80–€300+/month. Plus pending derramas (special assessments) for roof or façade works the seller didn't mention.
International schools in Costa Blanca South: €400–€1,200/month (10-month year). Bilingual concertado: a fraction of that. Summer camps €400–€900/month — and August has almost none, so plan childcare separately.
July–August on the Costa Blanca is hot. Without cross-ventilation or proper A/C, summer electricity hits €200–€350/month. Buyers furnish first, retrofit cooling, then resell furniture that doesn't fit the layout.
183+ days in Spain = Spanish tax resident on worldwide income and wealth. Wealth tax thresholds vary by region. Non-resident owners also file Modelo 210 every year — even on empty property.
Standard Spanish rental contracts default to landlord-favourable terms: deposit conditions, exit penalties, maintenance liability, annual increases. Most international tenants sign without reading the fine print.
Plenty of international buyers successfully secure long-term rentals on the Costa Blanca before they land. It works when there's an independent representative on the ground — someone whose loyalty is to you, not the agency listing the property.
The risk isn't renting remotely. The risk is renting remotely through the same agent or platform that's also representing the landlord.
What I check before you sign
Tell me your situation — couple, family, retiree, remote worker — and I'll talk through what your numbers actually look like.
Buyer-side representation: search, shortlist, comparables, due diligence, negotiation. I work for you, not the seller.
Budget, family, must-haves, lifestyle, timeline. Send a brief — I'll come back with an honest read.
International vs concertado vs Spanish public. Distances, bus routes, languages, fees, application timing.
A calculator gives a first estimate. An independent buyer-side representative on the ground is what stops the expensive mistakes — overpaying, signing the wrong contract, missing the hidden costs.
WhatsApp Anna · +34 604 479 819