Property in Italy: buying and support

From the lakes and Tuscany to the south: no restrictions for foreign buyers, and tax charged on the cadastral value rather than the price paid.

0
Listings in our catalogue
€8,500,000
In our catalogue from
3–6%
Market rental yield

Why Italy

  • A variety no other market offers

    From apartments in historic centres to lakeside villas and homes in the south — a market with strong notarial protection for the deal.

  • Tax is based on cadastral value, not the price

    The main purchase tax is calculated on the property's cadastral value, typically 30–50% of the market price — this noticeably lowers the entry cost.

  • Mortgages are available to foreigners

    Italian banks lend to non-residents on a limited basis, usually up to 50–60% of the value — an Italian tax code and proof of income are required.

  • Tax regimes for those relocating

    Pensioners moving to small southern municipalities pay 7% on foreign income; new residents can opt for a flat tax of €200,000 a year on worldwide income.

  • Honestly, about residency: property purchase does not grant it

    Relocating uses the elective residence visa — it requires proven passive income and forbids working in Italy. Owning a home helps confirm your living arrangements, but is not a qualifying ground on its own.

Investments from €8,500,000

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

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Most affordable properties

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Villa 1300 m² — Italy

Resale · Italy

Villa 1300 m² — Italy

Resale

6 9 1300 m²

Online viewing · remote deal

Crypto payment accepted

€8,500,000

€6,538 / m²

How the purchase works

  1. 1

    We map your goal

    Goal, budget and region: a historic apartment, a lakeside villa or a southern home each carry their own cadastral logic.

  2. 2

    We obtain your codice fiscale

    The Italian tax code — without it you cannot sign a contract or open a bank account.

  3. 3

    Preliminary due diligence

    A registry extract, a match with cadastral records, and no encumbrances or outstanding debts.

  4. 4

    Offer and preliminary contract

    A proposta di acquisto, then a compromesso — a preliminary contract with a deposit.

  5. 5

    Signing before a notary

    The final deed (rogito) and full payment. The notary in Italy is independent and answers for the deal's integrity.

  6. 6

    Title registration

    The notary registers the title transfer — no separate visit to the registry is needed.

What clients say

We thought owning a home in Tuscany was only for very wealthy buyers. In the end we bought a townhouse at a court auction for €36,000, against a market value of around €75,000.
Angela & Nick · A Tuscan home via a court auction
I spent over a year searching without luck. In the end I bought a property at a court auction for roughly half its estimated market value.
Cindy · A year of searching, then half the market price
We spent about a year and a half studying the risks of buying property in Italy. We bought a house in the Chianti hills for €85,000 against a valuation of around €130,000, and now use it as our European base for travel.
Andrew · 18 months studying the risks, then a house in Chianti
Online viewing & remote deals — buy without being there
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No hidden markupsYou see real market prices. Our role is selection and safety — not quietly inflating what you pay.

Frequently asked questions

Can a foreigner buy property in Italy?+

Yes. There are no restrictions for EU citizens; for others the principle of reciprocity applies — a purchase is possible if Italians may buy property in your country. In practice this is satisfied for most countries and is verified by the notary.

What is the purchase tax charged on?+

On the cadastral value rather than the price paid, where the buyer is an individual purchasing from a private seller. Cadastral value is typically 30–50% of market price, so the real tax is lower than expected. Request the cadastral value before the deal.

What is the difference between the 2% and 9% rates?+

2% is the reduced rate for a main home and requires registering residence in the property's municipality within 18 months of purchase. 9% is the second-home rate, which most non-residents pay. Both are applied to the cadastral value.

Does buying property in Italy grant residency?+

No. Relocation uses the elective residence visa, which requires proven passive income and prohibits working in Italy. Owning a home helps evidence your living arrangements but is not a ground for a residence permit.

Why is a notary needed and what do they cost?+

In Italy the notary is mandatory: they verify the seller's title, check for encumbrances and register the transfer, and are liable for doing so. Their fees are typically 1–2.5% of the price. The notary is independent and acts for both parties.

What is a codice fiscale and how do I get one?+

It is the Italian tax code, without which you cannot buy property, open an account or pay taxes. It is issued by the Italian tax authority or by an Italian consulate in your country of residence, including under power of attorney.

What taxes does the owner pay annually?+

The main annual tax is IMU, charged on second homes and calculated from the cadastral value at the municipality's rate. Rental income is taxed separately; for certain tenancies the simplified cedolare secca regime offers a flat rate.

Is a one-euro house worth buying?+

One euro is the auction's starting price, not the cost of ownership. The municipality fixes restoration deadlines and scope by contract, along with a security deposit. Actual restoration costs typically run into tens of thousands of euros, so prepare the estimate before bidding.

Go deeper

Property prices in Italy 2026: price per m² by city and the real cost of buying

Used homes average about 1,903 euro per m² (+4.1% in a year), Milan is near 5,165 and Rome 3,429, and buying costs add roughly 10-15%. Prices and costs by city and region.

Rental yield in Italy 2026: gross vs net returns by city and what a foreign investor really keeps

Aggregators put Italy's average gross rental yield near 6.6%, but Milan sits around 3.5-5% and Palermo or Bari above 6.5%. After the flat tax, IMU, building costs and vacancy, a net 3-4% is a realistic planning figure.

Italy golden visa: the four investor routes, and why buying a home is not one of them

Italy's investor visa asks for money in government bonds, an Italian company, an innovative start-up or a philanthropic project, not in a house. How the committee process works and what the official page leaves unsaid.

Getting a mortgage in Italy as a non-resident: LTV, rates, costs and the codice fiscale

Italian banks do lend to non-residents, but usually only 40–60% of the value, and without a codice fiscale there is no mutuo at all. What the bank asks for, what it costs, and where deals stall.

Capital gains tax when selling property in Italy: the five-year rule and the 26% option

Italy taxes the gain only if you sell within five years of buying. Past that, the gain is not taxed at all. How the 26% notary option compares with ordinary income tax, and what a non-resident should check.

New-build or resale in Italy: IVA vs registration tax, protections and real costs

Italy taxes a purchase from a developer very differently from a purchase from a private seller, and non-residents miss the main discount. How the numbers compare.

Short-term rental rules in Italy: the CIN code and what it actually requires

Italy's national CIN code is now mandatory for every short-let listing, on top of city-specific rules in Florence, Milan, Venice and Rome. What a buyer needs to check before counting on Airbnb income.

Italy digital nomad visa: income requirement and the real bureaucracy

Italy's digital nomad visa exists, but it's genuinely one of the stricter, more paperwork-heavy schemes in Europe — a registered lease, six months of proven remote work, a degree or years of experience. Here's what that means, and how it differs from the separate flat-tax regimes.

Why expats love living in Italy — and the one thing that frustrates nearly all of them

Italy ranks low on InterNations' overall expat satisfaction survey, and the reason is almost always the same one. Here's what the data says people genuinely love, and the real friction behind the low score.

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

A flat 7% tax on foreign pension income is real, but only in specific southern towns. What the elective residency visa, the tax break and daily life actually cost.

Where to buy property in Italy: Tuscany, Puglia, Sicily and more compared

From Tuscan hills to Naples's rising value — a region-by-region guide to Italian property prices and who each market actually suits.

Italy's 1-euro homes and abandoned houses: what restoration really costs

Dozens of Italian towns sell derelict houses for €1-2 to stop them collapsing. The real commitment isn't the price — it's the renovation deposit, the deadline, and a budget many times the headline number.

Buying resale property in Italy: an 8-step due diligence checklist

From the codice fiscale to the rogito — the practical steps for a clean resale purchase in Italy, and where undisclosed problems usually hide.

Investing in Italian property: 6 risks to check before you buy

Illegal extensions, mismatched cadastral records and a nationality test most buyers have never heard of — what actually trips up foreign buyers in Italy.

Mortgage applications from foreign buyers of Italian luxury homes up 63% in January–May 2026

According to Il Sole 24 Ore, Luxforsale Finance recorded a 63% rise in mortgage applications from abroad, with an average property value above €1.65 million.

Average price
€220,000
€0€350,000

A country-market estimate, not our own stock

Rental yield
3–6%
0%12%
In our catalogue from
€8,500,000
EU member
Yes

Overview

Italy is a market where the final cost often comes in below expectations: the main purchase tax is charged on the cadastral value, which is typically 30–50% of the market price. Buying does not, by itself, grant residency.

Why buy here

A market with strong notarial protection and a range unmatched anywhere else in Europe: apartments in historic centres, villas on the lakes, houses in the southern regions. The main purchase tax is charged on the cadastral value rather than the contract price, which noticeably lowers entry costs. For those considering relocation there are special tax regimes: 7% on foreign income for pensioners moving to small southern municipalities, and a flat €200,000 a year on worldwide income for new residents.

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

3–6%

Taxes

Registration tax of 9% (second home) or 2% (main home) on the cadastral value, not the price paid. Annually, IMU on a second home.

Costs & taxes

The main charge is registration tax: 9% for a second home and 2% for a main home, applied to the cadastral value. Cadastral value is usually 30–50% of market price, so on a €300,000 property with a cadastral value of €120,000 the 9% rate produces about €10,800, not €27,000. The reduced 2% rate requires registering residence in the municipality within 18 months — most non-residents do not qualify. Also payable: fixed cadastral and mortgage taxes of €50 each when buying from a private seller, notary fees typically 1–2.5%, and agency commission of 2–4% plus VAT. A second home is subject to the annual IMU tax.

Buying process

1. Obtain a codice fiscale — the Italian tax code. 2. Preliminary checks: register extract, cadastral conformity, absence of charges and debts. 3. Offer to purchase (proposta) and preliminary contract (compromesso) with a deposit. 4. Sign the final deed before a notary (rogito) and settle in full. 5. The notary registers the transfer. The notary in Italy is mandatory and independent: they verify that the transaction is clean and are liable for it.

Mortgages

Italian banks lend to non-residents selectively, usually up to 50–60% of value. An Italian tax code and proof of income are required.

Residence & visas

Buying property in Italy does not grant residency and is not a basis for a visa. Relocation uses the elective residence visa, which requires proven, stable passive income and prohibits working in Italy. Owning a home helps evidence your living arrangements but is not a ground in itself. Separately there are tax regimes for new residents: 7% on foreign income for pensioners relocating to southern municipalities of under 20,000 people, and a flat €200,000 a year on worldwide income.

Investment notes

The figure that drives entry costs is not the price but the cadastral value, because the main tax is calculated on it. Request it before the deal. When letting, the simplified cedolare secca regime offers a flat rate on rental income instead of the progressive scale. Whether it applies depends on the type of tenancy.

Risks to consider

What to check before the deal: — that the actual layout matches the cadastral records: discrepancies (abusi edilizi) block resale and are slow and expensive to regularise; — that a habitability certificate exists; — arrears owed by the previous owner to the condominium; — for "one-euro" houses, the restoration deadlines and scope committed to in the agreement with the municipality. 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

Request a selection in Italy

Figures are indicative, change over time and depend on the specific property and your circumstances. Obtain independent legal, tax and financial advice before any purchase.

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