Selling your flat or house in Murcia with criterion

Why how it's sold matters, not just at what price

In Murcia, several markets coexist simultaneously: residential housing in the capital, second homes on the Costa Cálida, land in municipalities of the Vega Media, and commercial premises in established retail areas. Selling without understanding which of these markets your property operates in is the most common cause of deals that drag on endlessly or close below their fair value.

Promurcia works with property owners who prefer an orderly process: an indicative valuation based on official data, a marketing plan with a schedule, written communication at every step, and a single point of contact from first contact to signing.

What our support includes

• Indicative written valuation within 24–48 hours, with real comparables and public market data (MITMA appraisals and transactions, INE mortgages and EPA unemployment).
• Tailored marketing plan: channels, photography and virtual tour budget when it adds value, descriptive copywriting, and a realistic timeline.
• Buyer filtering with financing or motivation verification. We don't move your family for showings that won't lead to an offer.
• Coordination with notary, administrative agency, bank, and property management. If you reside outside Murcia or Spain, we handle everything through power of attorney and written channels.
• Negotiation by your side, with reasoned proposals. We return every offer in writing with analysis so you can decide calmly.

The process, in seven verifiable steps

1. Indicative valuation. We receive the basic data, consult comparables, and return a report with a price range and estimated timeframe.
2. Technical visit and plan. We confirm the valuation, review the documentation, and sign the engagement letter with fees and services in writing.
3. Home preparation. Professional photo report, commercial description, and publication on the corresponding portals and private channels.
4. Lead capture and qualification. Any interested party is screened before the visit: financial capacity, urgency, and reason for purchase.
5. Accompanied visits. We accompany every visit and send you a written summary with real observations.
6. Negotiation and reservation. We forward the offers with analysis. If accepted, we formalize the deposit or reservation contract as appropriate.
7. Signature and after-sales. We coordinate the notary, bank, IDs, certificates, and discharge of liens. The process isn't over until the keys and the money are in place.

What situations do we handle especially well?

We often work with files that others prefer not to open: inheritances with multiple owners, divorces with pending settlements, homes with active mortgages, apartments with tenants and rights of first refusal, urban land with complex zoning, non-residents needing remote sales, or files with registry encumbrances. In each case, we explain what can and cannot be done before signing anything.

How much is your flat or house worth in Murcia: the starting point

The most reliable official data per municipality is the average appraised value published by the Ministry of Housing based on mortgage appraisals. In the municipality of Murcia it was €1,579.6/m² in the 2nd quarter of 2026, based on 2,035 appraisals: €2,299.7/m² for housing up to five years old and €1,560.8/m² for housing more than five years old, which accounts for the majority of what is sold.

A preliminary estimate for a 90 m² flat older than five years: 90 × 1,560.8 = €140,472. It serves as a reference point, not to set the price: within the same municipality, a flat in the centre with a lift and one in an outlying district without one have very different prices. That is why our valuation is based on comparables in its area and of its property type, not on the average.

The appraised value is not the closing price: it is the one the appraiser certifies for the mortgage, using prudent criteria. In a rising market, the price agreed between buyer and seller tends to run ahead of the average appraisal. What it does reliably indicate is the trend and the difference between municipalities.

Selling a house in Murcia: what changes compared to a flat

The municipality of Murcia is largely farmland and outlying districts, and many of the homes that come onto the market there are houses. They have their own type of buyer—families looking for land and space—and also their own issues, which should be resolved before publishing the listing and not when the buyer has already applied for a mortgage.

• Surface area does not match. It is common for Cadastre, Registry and reality to give three different measurements, especially if the house was extended. The buyer's bank appraises what is accredited: what is not recorded may be left out of the value and the financing.
• Undeclared works. A floor, a garage or an enclosed porch that are not listed in the deed can be legalized (new construction declaration, cadastral update), but it takes weeks. Doing it beforehand avoids renegotiating the price at the last minute.
• Urban planning status of the plot. A house on urban land is not the same as one on non-developable land. Knowing which one it is on, and whether the construction is legalized, changes the type of buyer and what the bank is willing to finance.
• What goes with the property. Well, irrigation rights, boundaries, roads and easements. If they exist, they must be documented; if not, the buyer should be informed in writing.

In a flat, the checks are different: a certificate from the community of owners (debts and approved special assessments), the bylaws if they restrict uses, charges on the land registry extract, and the energy performance certificate, which is mandatory in both cases in order to advertise the property. What to look for in the property registry extract.

What the seller pays in Murcia: taxes and expenses

An example with numbers

A flat purchased in 2012 for €110,000 (plus €10,000 in taxes and purchase costs) is sold in 2026 for €150,000. The acquisition value is €120,000; the transfer value is €150,000 minus the selling costs (fees: €4,500 + €945 VAT), that is, €144,555. The gain is €24,555.

Personal income tax: €6,000 at 19% (€1,140) plus €18,555 at 21% (€3,896.55) = €5,036.55. The municipal capital gains tax paid is also a selling expense and reduces that gain. If the property was rented out, the amortization deducted reduces the acquisition value and the gain increases.

There are two cases in which the gain on the primary residence is not taxed: if the seller is over 65 years of age and if they reinvest the amount in another primary residence within the following two years (or the previous two). Before signing the engagement letter, we provide you with this simulation based on your data, including the capital gains calculated with your property tax receipt. Complete guide to taxes and expenses when selling.

The deadlines that do not depend on you

The selling time depends above all on the price and the area. But there are fixed timelines that are worth knowing so as not to promise the buyer an impossible date:

• Simple note: obtained online the same day from the Property Registry.
• Energy certificate: a few days, between the technician's visit and registration with the Autonomous Community.
• Buyer's bank appraisal: usually takes one or two weeks, and the mortgage cannot be signed before that.
• Between the deposit and the deed: it is customary to agree on one to three months, the time the buyer needs to secure financing.
• After signing: 30 business days for the municipal capital gains tax and the following year's income tax return for personal income tax.

How we charge

Success fees: you only pay if the sale is signed. The amount, term, and applicable deductibles are agreed upon in writing in the engagement letter. We provide you with a numerical simulation including municipal capital gains tax, personal income tax on capital gains, and, if applicable, 3% withholding for non-residents, before any commitment. To understand which taxes apply to you, consult our guide on municipal capital gains tax and of Personal income tax on the sale of real estate.

Explore the seller hub

Official documentation and key terms

If you are just starting out, it is advisable to familiarize yourself with the terms that will come up repeatedly during the transaction: Deed of sale, simple note, mortgage cancellation, municipal capital gains tax y certificate of occupancyOur glossary explains more than 750 real estate terms, with practical examples and legal framework.