Tonia
Accountant · Athens, Greece
- 220 cases handled · 10 in this service
- Speaks: English, Greek
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5.00(10 reviews)
Property Tax for Foreign Owners in Greece
English-speaking tax lawyers and accountants who handle the yearly property tax in Greece (ΕΝΦΙΑ) for foreign owners: the Ε9 property declaration, the assessment on myAADE, payment from abroad, the tax representative of a non-resident and corrections when the record is wrong.
About Property Tax for Foreign Owners in Greece
Property tax in Greece for foreign owners means first of all ENFIA (ΕΝΦΙΑ, the unified property ownership tax): the yearly state tax every owner of a house, a flat or a plot pays, resident or not, assessed by the tax authority (ΑΑΔΕ) from the owner's property declaration, the Ε9, on the official objective value (αντικειμενική αξία). Around it sit the municipal duty collected through the electricity bill (ΤΑΠ), the one-off transfer tax paid when buying, and the income tax on rent if the home is let. People search for Greek property tax, property tax in Greece for foreigners, ENFIA Greece, ENFIA login or how to pay ENFIA. Some older lists and lawyer pages call this service “Property Tax Service”.
Who needs it
Non-residents and expats who own property in Greece — a holiday home, an inherited family house, a plot on an island — and want the yearly tax, the declarations and the notices handled without a Greek-speaking relative on the spot.
How ENFIA works
- Every acquisition or change — purchase, inheritance, gift, a new building — is declared by the owner on the Ε9 within the deadline that follows it. The Ε9 is the record the tax is calculated from, so an error there means a wrong bill for years.
- Each year ΑΑΔΕ issues the assessment on the myAADE portal (what expats search as ENFIA login). It has a main part per property and, for large holdings, an additional part on the total value.
- Payment is made in instalments across the year, from Greece or from abroad; reductions exist, mostly for main homes and particular groups, and rarely reach a foreign owner of a second home.
- A non-resident is registered with the tax office for residents abroad and usually appoints a tax representative (φορολογικός εκπρόσωπος) in Greece to receive correspondence; a lawyer confirms whether this is still required in the particular case.
Points to watch
Nothing starts without a Greek tax number, see AFM number application. After a property purchase the Ε9 of the buyer has to show the new property and the seller's has to drop it, or both get the wrong bill. The objective value is not the market price; it is revised from time to time. Greece does not tax a non-resident on a notional income from an empty home, but renting it out — long-term or to tourists — creates income to declare, and short-term letting has its own registration, see tourist rentals VAT returns. Values, rates and instalments change; the lawyer confirms the current ones.
What the lawyer and the accountant do
They check and correct the Ε9, read the assessment, arrange payment, act as tax representative, deal with ΑΑΔΕ about errors and reductions, and file the income tax return in Greece when there is rent. The field is tax services.
Questions and answers
Do I pay ENFIA if I do not live in Greece and do not rent the house out?
Yes. ENFIA follows ownership, not residence or use.
How do I find out how much I owe?
The assessment is on the myAADE portal under your tax number; a representative or lawyer with access can read it and arrange payment.
What is the Ε9?
The declaration of everything you own in Greece — buildings, plots, shares of them — kept up to date by the owner. ENFIA is calculated from it.
Is the ΤΑΠ on my electricity bill the same tax?
No. ΤΑΠ is a small municipal duty collected with the electricity bill; ENFIA is the state tax assessed by ΑΑΔΕ.
Greece Property Tax for Non-Residents
Open the full tool →Estimate the taxes a non-resident pays on a Greek home — when buying it, every year while owning it, and when selling it.
How it works
Using the calculator
- Choose what you want to work out: buying, owning or selling.
- Enter the figures the form asks for: the price (and the objective value, if you know it); or the area and the zone value; or the sale and purchase prices.
- Each tax and cost appears on its own line with how it is worked out, and the total below.
Buying
Greece charges a transfer tax of 3% plus a municipal surcharge of 3% of the tax — 3.09% in total — on the higher of the price and the property's objective (tax) value. New buildings normally pay 24% VAT instead, but that VAT is suspended until the end of 2026, so they pay the transfer tax too. Add the notary, the land registry and your lawyer, each around 0.5–1%. You need a Greek tax number (AFM). A bill in consultation in October 2026 proposes a 15% transfer tax from July 2027 for some buyers from outside the EU and EEA; it is not law yet.
Owning
The yearly ENFIA tax is worked out per square metre, by the zone value of the area (from €2 to €16.20 per m²), adjusted for the building and reduced by up to 30% for owners of modest property. Rent is taxed at 15% up to €12,000 a year, 25% up to €24,000, 35% up to €36,000 and 45% above — the same for non-residents.
Selling
The 15% tax on gains from selling property is suspended until 31 December 2026, and a bill proposes to extend it through 2027. A lawyer checks the title, the permits and the tax position before you buy or sell.
1Your details
The objective value per m² of the area (τιμή ζώνης) — on the E9 or the contract
For the ENFIA discount; leave empty if this is your only property
2Your result
| ENFIA (yearly property tax), estimate80 m² × €3.70 per m² (zone value €1,800) − 25% discount for property worth up to €150,000 | €222 |
| Yearly taxes (estimate) | €222 |
- ENFIA also depends on the building's age, floor and frontage (coefficients about 0.8–1.1); the tax office sends the exact amount.
- A home insured against earthquake, fire and flood gets up to 20% off ENFIA.
An estimate for planning, not legal or tax advice. Figures checked 26 Oct 2026. Sources: ENFIA — Law 4916/2022 (taxheaven), Law 5246/2025 — rental tax, suspensions (KPMG Greece), 2026 tax bill in consultation (taxheaven).
Ask a lawyer about your case2 lawyers who provide Property Tax for Foreign Owners in Greece
Sorted by experience in this service. Write to any of them — the reply comes from the lawyer, without obligation.
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Giannis
Accountant · Symi, Greece
- 11 cases handled · 2 in this service
- 3+ years in practice
- Speaks: English, Greek
- Accounting and Finance, Hellenic Mediterranean University
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All tax returns & fiscal services services in GreeceWhat our clients say about our service in Greece
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I am very grateful to the lawyer, who got me through the Greek tax system smoothly and successfully. She is a real asset to the company. She answered my emails quickly and explained everything in an easy-to-understand way. I would definitely use this service again.
— Sheila02 Jul 2025Property Tax for Foreign Owners -
She guided and educated me on the AFM VAT/TIN number process so that I could do a real estate transaction in Greece. I am very satisfied: it was simple and easy to get through.
— George12 May 2025 -
The lawyer was very helpful and clear about the process, always quick to respond and very professional. Excellent assistance.
— Abdullah02 Aug 2023 -
She replied extremely fast to my first inquiry, quickly arranged a meeting to go over the details, and answered all my questions. Reaching her by phone or text was easy, she was punctual, and she was fun and personable to talk to as well, with perfect English. After I had struggled for months to get this done on my own, she sorted everything out for me in record time. Anyone trying to navigate Greek bureaucracy should hire her, and I would recommend her.
— Ine06 Aug 2026 -
I am really happy with her. Every time I wrote she answered fast, so I never had to chase her for news of how things were going. She understood what I needed straight away and, with her perfect English, explained the parts I had not followed without making me feel stupid. She was also nice to deal with. The price was fair, and in short she got it done, so I am glad I chose her.
— Antoine03 Jul 2026 -
I cannot thank the lawyer enough for her expertise and dedication in handling my case. She was thorough and persistent and kept up good communication, in perfect English, at all times. She made a very difficult and stressful situation much easier to manage from afar. Extremely professional and knowledgeable. Highly recommended.
— Angelica09 May 2026 -
She is knowledgeable, approachable and very professional, with perfect English. She went over and above to find what I needed.
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I recently worked with a lawyer who managed to get my divorce certificate within the promised timeline, even though the information I first gave was limited. From our very first contact she showed great professionalism and expertise. She was patient and understanding and took me through the process step by step, and her English was perfect, so I never had trouble following. I was truly impressed by her attention to detail and her commitment to my case. I am grateful for her dedication and support at what could have been a stressful time, and I was completely satisfied with the result. I highly recommend her to anyone who needs legal assistance. Thank you for the outstanding service!
— Yvonne08 Aug 2025 -
The lawyer was welcoming and very knowledgeable in the area where I needed help, and went above and beyond with information and solutions to keep the process as smooth and simple as possible. Her English was flawless, everything was completed promptly, and I could not be happier with my experience.
— Dean02 Jul 2025 -
The lawyer was amazing. Communication was excellent, her English flawless, and she was professional and informative.
— William25 Feb 2025 -
The lawyer took real care to explain the process and how best to meet our requests, and she was very good at telling us the timelines and what to expect. She moved quickly to get our process completed, and the assistance could not have been better.
— Flavia28 Mar 2024Criminal Record Check, Greece -
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— John20 Oct 2023