Sorello Guides

The cost of buying a home in Cártama

The ministry publishes no appraisal average for this municipality, so the market figures below stop at the notarial sales count. Second homes are a minority presence, at 23,25 % of the dwelling stock. Cártama is a town rather than a city, which in Málaga usually means one estate agency network knows most of the stock.

The one-off cost at signing

The Andalusia transfer tax applies to resale purchases in Cártama; a new build is charged VAT and stamp duty instead. The Andalusia rate is 7 %, around the middle of the Spanish range.

Transfer tax on a resale purchase, at three illustrative prices
Purchase priceTransfer tax
200.000 €14.000 €
350.000 €24.500 €
600.000 €42.000 €

The three prices are round illustrative figures chosen to bracket the ordinary range, not measurements of this market.

The reduced rates, stamp duty and the deed checklist for Andalusia

A sense of scale

On year of the last cadastral revision it is the highest of the Málaga municipalities this guide covers.

Set the national range end to end and this tax rate on construction work lands in the third-cheapest twentieth.

Judged only against Málaga, the average cadastral value per home here is the eighth lowest in the guide.

Put beside the rest of the country, its average cadastral value per home belongs to the seventeenth twentieth from the bottom.

Line the Málaga municipalities in this guide up by urban property-tax rate and this one is the highest.

The comparison that matters

Nationally, that share of the urban register that is housing falls in the band just inside the top fifth.

Judged only against Málaga, the count of registered residential units here is the lowest in the guide.

Against every municipality in this guide, its number of urban cadastral units lands in the cheapest twentieth of them.

Line the Málaga municipalities in this guide up by number of notarised home sales and this one is the second lowest.

Over the whole guide, the rural property-tax rate recorded here falls within the band just below the top quarter.

Where this one stands

Of the Málaga municipalities covered here, this one comes lowest on total dwelling stock.

Put beside the rest of the country, its population belongs to the fourth-cheapest twentieth.

Line the Málaga municipalities in this guide up by share of dwellings that are not a main residence and this one is the third lowest.

What the market looks like

The ministry does not publish this figure for Cártama, so it is stated here as not available rather than estimated.

What the housing stock is like

23,25 % of dwellings in Cártama are not a main residence — a normal proportion for an inland town.

Almost the whole register is housing: 9.071 residential units out of 13.913 urban ones.

12.673 dwellings were counted at the census.

How many homes change hands

Against 9.071 registered residential units, a healthy share of the stock changes hands each year.

299 home sales went through the notaries in Cártama in the year — a quiet market.

Fourth quarter carried far more deeds than Second quarter, so timing an offer against the calendar is worth something here.

Notarised home sales by quarter, 2025
QuarterSales
First quarter84
Second quarter54
Third quarter76
Fourth quarter85

The yearly bill, which is not small here

At 85.018 € per dwelling, the Cártama cadastral base is high enough that the rate matters.

The rural rate of 0,85 % is unusually close to the urban one.

The 0,76 % urban IBI rate in Cártama is high by Spanish standards.

On a cadastral value of 180.000 € the 0,76 % rate produces 1.368 € a year, and after a recent revaluation that figure is close to what a buyer will actually see.

The cadastral value in this example is a round illustrative figure, not the cadastral value of any particular property here. Ask for the last IBI receipt: it states the real one.

The cadastral values were reset very recently

Cártama revalued its cadastre in 2025, so the register still tracks reality and there is little revaluation risk to price in.

The tax on construction work is 3 %, so a refurbishment budget should carry it.

Related guides

Sources and licences