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Selling & valuationWhat buying property in Geneva really costs in 2026
Transfer tax, notary fees, running costs: the real cost of a purchase in Geneva goes beyond the asking price. A costed breakdown, with sources.
In Geneva, the real cost of a purchase exceeds the asking price by 3 to 5 per cent once transfer tax and notary fees are added, according to the cantonal land registry scale.
The stages of a purchase
- Offer and conditions
Agreement on price and conditions, often subject to financing.
- Notarial deed
The notary prepares the deed and calculates the transfer tax.
- Entry in the land registry
The transfer of ownership takes effect after registration.
Breakdown of costs
| Item | Share of price |
|---|---|
| Transfer tax | ~3% |
| Notary fees | ~1% |
| Land registry | ~0.25% |
After the purchase
Beyond acquisition costs, the annual budget includes condominium charges, maintenance and, depending on the energy class, any renovation work. The property's CECB class is a useful indicator.
Frequently asked questions
What costs come on top of the purchase price in Geneva?
Allow 3 to 5 per cent of the price for transfer tax, notary fees and entry in the land registry, according to the cantonal scale.
Who pays the transfer tax?
In Geneva, transfer tax is generally paid by the buyer. The notary calculates the exact amount.
Is a minimum down payment required?
Mortgage financing follows federal rules: an equity contribution is required, part of which must come from outside pension assets.
