🇧🇬 Bulgaria

Buying Property in Bulgaria: A Guide for Foreign Buyers

Apartments in Bulgaria cost from €1,800 to €1,800 per m² across the cities we track. Expect to pay another 3–7% of the price in taxes and fees.

Can foreigners buy property in Bulgaria?

No restrictions for foreign buyers

Foreigners can buy apartments and buildings freely. Non-EU buyers cannot own land directly (houses with land are often bought through a Bulgarian company), but this does not affect apartments.

Tax ID you'll need: Personal number of a foreigner (LNCh) or BULSTAT, if needed

How to buy, step by step

  1. 1Check title and encumbrances at the Property Register
  2. 2Sign a preliminary contract and pay a deposit (often 10%)
  3. 3Obtain the tax valuation certificate and other notary documents
  4. 4Sign the notarial deed before a Bulgarian notary
  5. 5Pay the local transfer tax and fees
  6. 6The deed is entered in the Property Register

What it costs

A 60 m² apartment in Sofia at the average €1,800/m² costs about €108,000. Purchase taxes and fees add roughly €3,240–€7,560. Full breakdown of Bulgaria property taxes and costs.

Sofia€1,800/m² · gross yield 5.3%

Mortgages and residency

Approx. 50–70% LTV; many banks lend only to residents or EU citizens with local income.

Frequently Asked Questions

Can foreigners buy property in Bulgaria?↓
Foreigners can buy apartments and buildings freely. Non-EU buyers cannot own land directly (houses with land are often bought through a Bulgarian company), but this does not affect apartments.
How much are buying costs in Bulgaria?↓
Typically 3–7% of the purchase price for a resale apartment, including transfer tax, notary or legal fees and registration.
How much does an apartment cost in Bulgaria?↓
Average prices range from €1,800/m² to €1,800/m² across 1 cities; in Sofia a 60 m² apartment costs about €108,000.
Can non-residents get a mortgage in Bulgaria?↓
Approx. 50–70% LTV; many banks lend only to residents or EU citizens with local income.
Property prices in Bulgaria →Apartments for sale in Bulgaria →Rental yield calculator →

Last reviewed 2026-10. General information, not tax or legal advice: rates change and often depend on region and buyer status, so confirm with a local notary, lawyer or tax adviser. Sources: European Commission: Bulgaria adopts euro as of 1 January 2026, Global Property Guide: Bulgaria buying guide.