Kointax.ioKointax.io

Buying a flat with Bitcoin in Spain: taxes when using crypto for real estate

Paying for a property with Bitcoin in Spain generates IRPF and ITP tax obligations. Complete guide.

Equipo kointax·May 26, 2026·5 min read

Buying property with Bitcoin in Spain: taxes

IRPF (for buyer): Using BTC to pay = deemed BTC sale at market value. Capital gain = market value on transaction day - original purchase price.

Example: Bought BTC at €10,000, pays property when BTC = €60,000 → €50,000 capital gain → pay ~28% IRPF on that gain.

ITP (Property Transfer Tax): Also due. Property value = market value of BTC delivered. Rate: 6-10% depending on Autonomous Community.

Documentation: Notary must document transaction. Price expressed in euros even if paid in crypto.

kointax calculates exact capital gain when using crypto for real estate purchase.

👉 Calculate your taxes when buying real estate with crypto

Ready to calculate your crypto taxes?

declaracrypto.es — FIFO, LIFO, HIFO or WAC method. 80+ compatible exchanges. Excel + PDF report ready for your tax return.

Start free — no card needed