Property in Greece: buying and support

Athens, Thessaloniki, the islands and the mainland: no restrictions on buying, and a Golden Visa at €800,000, €400,000 or €250,000 depending on location.

0
Listings in our catalogue
€650,000
In our catalogue from
4–7%
Market rental yield
€250,000
Residency programme threshold
0
Cities

Why Greece

  • A residency programme that is still open

    A golden visa for a property investment — one of the few left in the EU after Spain closed its programme.

  • No nationality restriction on the buyer

    Property is open to citizens of any country without permits; restrictions apply only in border zones.

  • The threshold depends on location

    €800,000 for Athens, Thessaloniki and the popular islands; €400,000 elsewhere. The €250,000 threshold applies only to renovation or commercial-to-residential conversion projects — not to an ordinary listing.

  • An area requirement — from 120 sqm

    For the €400,000 and €800,000 thresholds the property must be at least 120 sqm — this noticeably narrows city-apartment choices and is confirmed by documents, not the seller's word.

  • Five years, no residency requirement

    The status is granted for five years, renewable while the investment is kept, covers the family, and requires neither living in Greece nor a language exam.

Investments from €650,000

Properties available right now. The catalogue price is the same figure quoted here.

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Most affordable properties

The most affordable of 1

Villa 225 m² — Greece

Resale · Greece

Villa 225 m² — Greece

Resale

4 1 225 m²

Online viewing · remote deal

Crypto payment accepted

€650,000

€2,889 / m²

How the purchase works

  1. 1

    We map your goal

    Goal, budget and location — they determine which programme threshold you fall under and what format fits.

  2. 2

    We get your AFM and open an account

    A Greek tax number and a local bank account — required both for the deal and for the residency programme.

  3. 3

    Legal due diligence

    Title, encumbrances, whether the building matches its permits, and the land's status.

  4. 4

    Preliminary contract and deposit

    We fix the terms and price with a preliminary contract and a deposit.

  5. 5

    The notarial deed

    We sign the deed and pay through a Greek bank account — a mandatory condition for the residency programme. The deal can run on a power of attorney.

  6. 6

    Registration and the residency filing

    We register the title and, if the deal runs through the programme, file the residency application.

What clients say

After many years of holidaying on Corfu, we finally decided to buy in our favourite part of the island. We found a detached two-bedroom house with a terrace near Acharavi.
Wayne & Lisa · Bought in their favourite holiday spot
I tried a few times to buy a house on Crete, but finding the right option on a modest budget wasn't easy. I ended up buying a house in the Chania area that I'd actually noticed online earlier.
Claire · Ended up buying the house she'd spotted online
With a budget of £255,000, we found a three-bedroom, two-bathroom house for well under our maximum. We later used the savings to build a pool.
Marcia & Robin · Came in well under budget and added a pool

How it went

A couple seeking an EU residence route alongside a holiday home.

A property that fits the residence programme's current thresholds.

Budget
€500,000
Outcome
Purchase completed and the residence application submitted with full documents.
Online viewing & remote deals — buy without being there
RU · EN · PLSupport in Russian, English and Polish
No hidden markupsYou see real market prices. Our role is selection and safety — not quietly inflating what you pay.

Frequently asked questions

How much must I invest for the Greek Golden Visa?+

The threshold depends on location: €800,000 in Attica, Thessaloniki, Mykonos, Santorini and islands with more than 3,100 residents; €400,000 in other regions; €250,000 only for properties bought for restoration or conversion from commercial to residential use.

Is there a size requirement?+

Yes. For the €400,000 and €800,000 tiers the property must be at least 120 m². The threshold must also be met by a single property — you cannot combine several apartments to reach it, though owning additional property is allowed.

Do I have to live in Greece under the Golden Visa?+

No. The permit runs for five years and renews while the investment is held. There is no minimum-stay requirement and no language exam. The programme extends to family members.

Can a foreigner buy in Greece outside the residency programme?+

Yes, buying is open to citizens of any country and is not tied to the programme. Restrictions apply only in border zones, where separate approval is required. A Greek tax number and, usually, a local bank account are needed for the transaction.

What costs apply on top of the price?+

Roughly 8–12%: transfer tax on resale property or VAT on certain new-builds, plus notary, legal fees, cadastre registration and agency commission. The ENFIA property tax is payable annually.

Why must payment go through a Greek account?+

The residency programme requires proof that the funds entered Greece lawfully and in full. Payment through a Greek bank account is the standard requirement when the application is assessed, so the account is opened before the deal.

What most often derails a purchase in Greece?+

Discrepancies between the building as built and its planning documents — unauthorised extensions, altered layouts, unregistered floor area. These block both registration and the residence application. An engineer checks this before the preliminary contract is signed.

Will a Greek bank lend to a non-resident?+

Greek banks lend to non-residents only to a limited extent, and most transactions in this segment are cash. If financing is needed, a loan in your country of residence secured on other assets is more realistic.

Go deeper

Property prices in Greece 2026: price per m² by area and the real cost of buying

Apartment prices in Greek cities rose about 5.3% in the year to Q2 2026. Athens, Thessaloniki, Crete and the islands sit in very different bands, and buying costs add roughly 7-12%, with a 15% transfer tax announced for non-EU buyers from July 2027.

Investment property in Greece: realistic rental yield in Athens, Thessaloniki and the islands

Gross yields in Greece average about 4.4%, with small Athens flats near 6-8% and big or island units far lower. Net is roughly 1.5-2 points below gross, and short-let rules can change the maths.

Getting a mortgage in Greece as a non-resident: LTV, rates, costs and golden visa rules

Greek banks do lend to non-residents, but expect a 35–40% deposit and a heavy paper trail. And if you want a golden visa, the qualifying amount cannot be mortgaged at all.

Capital gains tax when selling property in Greece: the suspension and what comes after 2026

Greece has a 15% capital gains tax on property that individuals currently do not pay, because it is suspended until the end of 2026. What that means for a foreign owner planning an exit.

New-build or resale in Greece: the VAT suspension, off-plan risks and what a resale hides

Greece taxes a new build at 24% VAT unless the developer opts for the temporary suspension, which currently runs to the end of 2026. Off-plan deposits have no statutory escrow.

Greece Golden Visa in 2026: thresholds by zone, 120 m² rule and the short-term rental ban

After the 2024–2026 overhaul the Greek Golden Visa costs €400,000 or €800,000 depending on the address, needs a single property of at least 120 m², and forbids Airbnb-style letting. What to check before you sign.

Short-term rental rules in Greece: AMA registration, costs and penalties

Greece requires an AMA registration number for every short-let listing, with real property and safety standards behind it. What to check before you buy for Airbnb income.

Greece digital nomad visa: income requirement, taxes and how to apply

A separate route from the Golden Visa, built for remote workers rather than property investors — here's what the income threshold, tax break and 2026 application changes actually mean.

Why expats love living in Greece: what the surveys actually show

Greece was named the world's top retirement destination for 2026, and expat surveys back it up — real data on what people who've actually moved there report loving, and what still frustrates them.

Retiring in Greece: visa, the 7% pension tax and real costs

Greece was just ranked the world's best retirement destination for 2026. Here's the visa route, the pension tax break, and what it actually costs a couple to live there.

Where to buy property in Greece: the best islands and regions compared

From Mykonos glamour to Peloponnese value — a region-by-region guide to prices, yields and who each area actually suits.

Abandoned stone houses in Greece: where to find a real restoration project

From Mani's stone towers to Pelion's farmhouse ruins, Greece has a real market in half-abandoned stone houses — real prices, real restoration costs, and legal homework specific to old village property.

How to buy property in Greece: an 8-step due diligence checklist

From a Greek tax number to the notary's deed — eight checks that keep a Greek property purchase safe, remote-friendly and free of legalization surprises.

Investing in Greek property: 5 key risks in 2026 and how to reduce them

Golden Visa zones, Airbnb bans in central Athens, unlegalizable construction and border-zone permits — five risks that changed in 2024–2026, and how to manage each.

Greece to raise the property transfer tax for non-EU buyers from 3% to 15% in July 2027

According to To Vima, the transfer tax for third-country nationals without long-term residency will rise fivefold from 1 July 2027, and golden visa applications fell 44% in the first half of 2026.

Buying property in Greece: a complete guide

Entry points, the buying process, transfer tax, the golden visa and tourist rental.

Average price
€180,000
€0€350,000

A country-market estimate, not our own stock

Rental yield
4–7%
0%12%
In our catalogue from
€650,000
Residency programme threshold
€250,000
EU member
Yes

Overview

Greece still runs a Golden Visa, but since 2024 the thresholds depend on location and the property must meet a size requirement. The gap between zones is twofold, so the location decides the programme's budget.

Why buy here

An active residency-by-investment programme — one of the few left in the EU after Spain closed its scheme. Buying is open to citizens of any country without permits; restrictions apply only in border zones. A wide entry range: mainland regions remain at the €400,000 threshold, while Athens, Thessaloniki and the popular islands moved to €800,000.

Taxes, costs and yield

Benchmarks for taxes, purchase and holding costs and rental yield. Exact figures depend on the property and your situation.

Rental yield benchmark

4–7%

Taxes

On resale property, a transfer tax; VAT may apply to some new-builds. Annually, the ENFIA property tax.

Costs & taxes

Budget around 8–12% on top of the price. The main charge on resale property is transfer tax. VAT applies to some new-builds. Also payable: notary, legal fees, cadastre registration and agency commission. Annually the owner pays the ENFIA property tax, which depends on the property's characteristics and location.

Buying process

1. Obtain a Greek tax number (AFM) and open a local bank account. 2. Legal checks: title, encumbrances, whether the building matches its permits, land status. 3. Preliminary contract and deposit. 4. Sign the notarial deed and settle through a Greek bank account — a mandatory condition for the residency programme. 5. Register title and file the residence application if the purchase is made under the programme. The deal can be done under power of attorney.

Mortgages

Greek banks lend to non-residents only to a limited extent. Most transactions in this segment are cash.

Residence & visas

The Golden Visa is running and is split by zone. €800,000 — Attica (including Athens), Thessaloniki, Mykonos, Santorini and any island with more than 3,100 residents. €400,000 — all other regions. €250,000 — only for properties bought for restoration or for conversion from commercial to residential use. For the €400,000 and €800,000 tiers the property must be at least 120 m², and the threshold must be met by a single property: the sum cannot be split across several apartments, though owning additional property is not prohibited. The permit runs for five years and renews while the investment is held. Living in Greece and language exams are not required.

Investment notes

The 120 m² minimum for the €400,000 and €800,000 tiers narrows the field: a large share of city apartments does not qualify. Floor area is proven by documents, not by the seller's word. The €250,000 restoration threshold looks attractive on price, but requires the works to be carried out and registered — it is a project, not a passive purchase.

Risks to consider

What to check: — that the property meets the chosen threshold: zone, floor area, single-property rule; — unauthorised works and discrepancies with planning documents — a common problem that blocks both the transaction and the residence application; — the status of the land under the building, particularly on the islands and along the coast; — restrictions in border zones, where separate approval is required. Checked in September 2026. Thresholds, rates and programme terms change — confirm the current requirements with a lawyer in the country before you buy.

Estimate costs and yield
Read the Greece guide

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