The true cost of buying a home in Belgium in 2026

How much does it cost to buy a €300,000 home in Belgium?

If it’s your own and only home, registration tax and the notary’s fees on the purchase deed come to €9,909 in Flanders, €12,909 in Wallonia and €16,409 in Brussels. The notary’s €3,909 is the same everywhere, because the fee scale is federal; the tax makes the difference: €6,000, €9,000 and €12,500. The tables below give every price from €150,000 to €800,000.

Your own and only home

A second home, a buy-to-let or any other purchase

The notary column is the purchase deed: the fee the law sets, 21% VAT on it, and about €1,100 for searches and registry costs. Brussels charges no tax on the first €200,000 of an own and only home priced up to €600,000, which is why it’s the cheapest region up to €200,000. A new build sold with VAT pays VAT instead and isn’t in these tables.

How much of your own money do you need?

Banks usually lend 80% of the price, so your own money pays the other 20% and every cost on top. For the median house sold in 2025, that’s about €50,100 where it’s cheapest (Hainaut, €190,000) and about €160,000 where it’s dearest (Brussels-Capital, €530,000). The loan then costs about €761 and €2,120 a month.

The median house sold in 2025

The median apartment sold in 2025

Each row is an own and only home bought with a loan of 80% of the price over 25 years at 3.5%, a typical fixed rate for a good profile when we last checked it, on 6 July 2026. The National Bank’s average for loans fixed for more than ten years was 3.53% in August 2026. Own funds add up the part the bank doesn’t lend, the tax, the notary and the mortgage deed, counted at about 2% of the loan. Statbel’s medians pool homes of every size and condition.

How much will your purchase cost?

Enter the price, or your savings and your household’s net income, then the region and how much you’ll borrow. The calculator runs the same rules as the tables above: the region’s tax, the federal notary scale, about 2% of the loan for the mortgage deed and a 25-year loan at 3.5%. A bank keeps the repayment to about a third of your net income. Change any of them and every figure follows.

What counts as your own and only home?

The lower rates are for people buying the home they’ll live in. Each region sets its own conditions: on other homes you already own, on moving in and registering your address there, and on how long you stay. Check them with your notary before you count on the lower figure; if you don’t qualify, the second table applies.

• Flanders: 2% instead of 12%. The homes you already own, in Belgium or abroad, the type of buyer, full ownership and registering your address there decide whether you qualify. See what homes sell for in Flanders.
• Wallonia: 3% instead of 12.5%, the rate that replaced the first-home allowance (abattement) and the chèque habitat on 1 January 2025. The home has to be your own and only one (a home you own abroad counts too), you have to live there, and rules apply if you sell it again. See what homes sell for in Wallonia.
• Brussels: 12.5%, with no tax on the first €200,000 when the price is €600,000 or less. You have to move in within three years and keep it as your main home for five. See what homes sell for in the Brussels-Capital Region.

What else should you budget for?

Keep cash outside these totals for urgent work, the move and a reserve for what the viewing didn’t show. An EPC recommendation isn’t a contractor’s quote, so get prices for the big jobs before you offer: a roof, the wiring or damp can change both your offer and the cash you need in the first year.

Each month, the loan isn’t the only bill. Add property tax, energy and water, home insurance and the balance insurance most banks ask for, maintenance (more for an older home) and, in an apartment, the co-owners’ charges, keeping exceptional works apart from the normal monthly ones.

Before you have a listing in mind, try the calculator on the median of the municipality you’re looking at, from Belgian property prices by municipality.

Frequently asked questions

Sources and methodology

Rules and figures are time-sensitive. Check the linked official source before making a financial or legal decision. Methodology

• Property purchase cost calculators – Belgian Federation of Notaries
• Reduced rate for a sole own home – Flemish Tax Administration
• Property taxation in Wallonia – Walloon Government
• Brussels allowance on sale duties – Brussels-Capital Region
• Notaries’ fee scale, consolidated decree (in French) – Belgian Federation of Notaries
• Reform of the registration duties, government decisions of 14 November 2024 (in French) – Walloon Government
• Mortgage interest rate barometer – Immotheker-Finotheker
• How much can you borrow for a home? (in French) – Wikifin (FSMA)
• Prudential expectations for mortgage loans – National Bank of Belgium
• Property sale prices by municipality, open data – Statbel

Related guides

• Price checkHow to know if a property is overpriced in Belgium
• Buyer checklistWhat to check before making an offer on a home in Belgium