How much money do you need to save to be able to buy a house in Valencia? Although the advertisements on the real estate portals state that a 60 square meter apartment costs 250,000 € in a certain neighborhood in Valencia, it is not necessary to have the money in hand at the time of purchase.
The majority of home sales and purchases, around 65-70% according to the latest data from August 2025, are made through a mortgage loan with a bank. To access it, the buyer must provide, usually, 20% of the value of the property as appraised and an extra 10% to meet the costs and taxes such as the Transfer Tax (ITP) in the case of second-hand housing or VAT for new construction.
From 13,500 € in Requena to 80,000 € in Alboraya
Then, how much is necessary to contribute at the moment of the purchase? From an analysis of the sale prices of real estate in Valencia published in the main real estate portals, the 30% necessary to meet the loan is extracted. Surprise: Valencia is not the municipality in which more equity is needed to afford the purchase of a home.
According to the available data, these are some of the expenses by municipality that will be necessary to formalize the loan:
- Alboraya: 80.000 €.
- Valencia city: 66,500 €.
- Paterna: 46.000 €.
- Sagunto: 30.200 €.
- Aldaia: 30.000 € 30.000
- Ontinyent: 18.500 €.
- Requena: 13,500 € 13,500