What does it cost to buy a house in Amsterdam?
On a typical € 525.000 Amsterdam home, the one-off buying costs (kosten koper) come to about € 21.850 — roughly 4,2% on top of the price. Here is exactly where every euro goes, on 2026 rules.
Buying costs (k.k.)
€ 21.850
Share of price
4,2%
Total cash (10% down)
€ 74.350
Buying costs on a € 525.000 home
| Cost | Amount | Deductible? |
|---|---|---|
| Transfer tax (overdrachtsbelasting) | € 10.500 | No |
| Buying agent (aankoopmakelaar) | € 5.250 | No |
| Notary — transfer deed | € 900 | No |
| Structural survey (bouwkundige keuring) | € 600 | No |
| Valuation (taxatie) | € 800 | Yes |
| Mortgage advice & arrangement | € 3.000 | Yes |
| Notary — mortgage deed | € 800 | Yes |
| Total buying costs | € 21.850 |
Illustrative 2026 figures at typical market rates; notary, advice and survey fees vary by provider. Of the total, about € 4.600 in financing costs is deductible in box 1 in the year you buy. Change any of these in the calculator.
First-time buyer under 35? Save € 10.500
Buyers aged 18–34 purchasing their first home to live in, priced under €555,000, pay 0% transfer tax instead of 2% (the startersvrijstelling) — cutting the buying costs above to about € 11.350.
Frequently asked
How much does it cost to buy a house in Amsterdam?
On a € 525.000 home, budget about € 21.850 in one-off buying costs — roughly 4,2% on top of the price. That excludes your own deposit; with 10% down you'd need about € 74.350 in total cash to complete.
What's included in the buying costs (kosten koper)?
Transfer tax (2%, or 0% for first-time buyers), notary fees for the transfer and mortgage deeds, valuation, mortgage advice, optionally a buying agent and a structural survey, plus the NHG fee if you take it.
Are the buying costs tax-deductible?
The financing costs — mortgage advice, valuation, the mortgage-deed notary and NHG — are deductible in box 1 in the year you buy (about € 4.600 here). Transfer tax, the buying agent and the transfer deed are not deductible.
Do I pay transfer tax as a first-time buyer?
If you're 18–34, buying your first home to live in, and the price is under €555,000, you pay 0% instead of 2% — the starter exemption. On this price that saves € 10.500.