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Purchasing a home remains one of the most important steps in many people's lives. With the introduction of new state and regional plans, as well as the adaptation of tax regulations and European funds, it is key to understand how aid and bonuses evolve in each autonomous community. Below is an updated overview for 2025.
Summary of Housing Assistance by Autonomous Community 2025
In this table you will find the of the main aids for home purchase (or related areas such as renovations and energy efficiency) in the different regions of Spain. Note that end or extension dates are subject to official publication in the relevant autonomous community bulletins. Community
| Region | Until 2024 | Changes in 2025 | Remarks |
| Andalusia | – General ITP at 7%. – Reduced rate of 3.5% for young people (under 35) and large families (main residence ≤ €150,000). – Complementary aid for depopulated rural areas. | Possible extension Possible extension of the housing limit to apply 3.5% (from €150,000 to €160,000). – Deductions for large families and persons with disabilities remain. – Plans to strengthen aid in rural areas at risk of depopulation are under study. | Awaiting official approval by the Junta de Andalucía in the BOJA. |
| Community of Madrid | – Personal Income Tax deductions for young people buying their first home (up to 30% of mortgage payments, with limits). – Youth Housing Plan with VPP promotions in several municipalities. | – They remain Check income and age requirements; deductions depend on taxable base and property category. | It is recommended to check income and age requirements; deductions depend on taxable income and housing category. |
| Valencian Community | – Extension of first-time home purchase aid for under 35s (State Plan + regional plans). – Support for renovation with Next Generation funds (35%-80% of the work, depending on energy improvement). | Possible extension Extension confirmed until the first quarter of 2025 for youth and renovation. – The range of aid for energy efficiency with European funds could be expanded. | Very interesting for those acquiring older homes and wishing to renovate; subsidies and green mortgage improvements can be combined. |
| Catalonia | – General ITP at 10%. – Reductions to 5% for young people buying in depopulated rural areas (main residence with value limit). – “ReViu” programme to encourage repopulation (purchase and restoration). | Possible extension New funding expected for “ReViu” in 2025 and increased aid amounts. – Possible new call at the end of 2024 with higher subsidies for rural areas. | No official publication yet in the DOGC, but recent announcements indicate a increase of coverage in 2025. |
| Basque Country | – Own foral regime: ITP may be around 4%-6% for main residences, depending on the province (Álava, Vizcaya, Guipúzcoa). – Gaztelagun Programme (focused on rentals). | – Under study is the extension of Gaztelagun to home purchases for under 35s. – The reduced ITP in Álava, Vizcaya and Guipúzcoa will be maintained with no increases planned. | The Foral Deputation of each historical territory manages the competencies, so it is advisable to review each case individually. |
| Castile and León | – General ITP at 8%. – Reductions to 4%-6% for young people and large families. – Subsidies of 20% on home purchases in depopulated rural areas (with price cap). | – They expands the budget for rural subsidies, according to statements from the Junta (official call pending). – Maintenance of reduced rates for under 35s. | Very attractive for those wanting to settle in rural areas: the aid and ITP reduction represent significant savings. |
| Aragón, Extremadura, Castilla-La Mancha, Asturias, Cantabria | – ITP rates generally between 8% and 10%, with reductions for young people and protected groups (4%-6%). – State Housing Plan with specific regional subsidies. | – No major changes expected in 2025, except for the possible adaptation of rehabilitation grants with Next Generation funds. – Some communities such as Extremadura and Cantabria may extend plans for rural areas and vulnerable families. | Most current benefits remain, but it is advisable to review annual calls to confirm deadlines and amounts. |
| Balearic Islands and Canary Islands | – In Balearics: ITP between 8%-11% (depending on amount), with reductions for residents and young people. – In Canaries: ITP around 6.5% generally, with reductions to 5% for first main residence (in some cases). | – Balearics: Assessment new aid for smaller islands (Formentera, Menorca…) and for permanent residents. – Canaries: Current taxation remains, with no announcements of increases. | Both archipelagos aim to balance the real estate market against tourism. It is expected there will be more incentives for primary residences for residents. |
Analysis of the Main Changes
- Continuity of the State Housing Plan
The State Housing Plan 2022-2025 remains the basis for many subsidies and programmes. Although most measures persist, some lines are being updated to incorporate Next Generation European funds, especially in rehabilitation and energy efficiency. - Focus on Young People and Rural Areas
Many regions bet on property transfer tax (ITP) relief for under 35s (rates from 3.5% to 6% instead of general rates). Additionally, investment to counter rural depopulation in small municipalities is growing, offering direct subsidies and tax reductions. - Green Mortgages and Energy Efficiency
Aid for energy rehabilitation is maintained or expanded (subsidising from 35% up to 80% of investment). Such improvements are closely linked to the offer of green mortgagesgreen mortgages - New Calls and Fiscal Adjustments
- New Calls and Tax Adjustments Andalucía plans to to qualify for the reduced ITP rate.
- to qualify for reduced ITP.
- Comunidad Valenciana extends its deadlines until 2025.
- Basque Country is considering integrating home purchase into its Gaztelagun programme, traditionally focused on rental.
- Some Assistance Programmes That Are Removed or Not Extended
Currently there are no announcements of drastic eliminations, rather extensions and reorientations. However, some specific municipal plans (called by town halls) might not be renewed in 2025, so local information should be checked.
Conclusion
In summary, 2025 appears as a year of continuity and expansion the majority of housing aids, with particular focus on:
- Young people: ITP reductions and personal income tax (IRPF) deductions for the purchase of a first home.
- Rural areasRural areas: subsidies that can reach 20% (or more) of the property price.
- Sustainability: rehabilitation and energy efficiency with European funds.: rehabilitation and energy efficiency with European funds.
The overall scenario favours those considering buying a home, provided they meet the requirements of each community and manage the necessary documentation within the deadlines.
Final tip: personalised advice
own regulations and deadlines . Therefore, to ensure you do not miss any subsidies or tax breaks,rely on a mortgage advisor who can help you: Review your personal circumstances (age, income, type of home, location).
- Determine which aids you may qualify for.
- Manage mortgage documentation and procedures with guarantees of obtaining the best conditions.
- Manage the documentation and mortgage process with guarantees of obtaining the best conditions.
do not hesitate to contact us do not hesitate to get in touch with us. We will be delighted to guide and support you throughout the entire process of securing the ideal mortgage.
We hope this article serves you to keep up to date on housing assistance in 2025 and make decisions with greater peace of mind! Remember that good planning and proper advice can make the difference when saving time and money in buying your home.
