Buying a House in Luxembourg: Towns, Duties and Detached Homes

• Energy class (A to I): drives heating costs and eligibility for state grants.
• Zoning: the municipal plan (PAG) decides extensions and outbuildings.
• Flood and slope risk in river valleys.
• Rights of way and boundary markers.
• Heating system: many older houses use oil, and replacement subsidies exist.
• Seller's title: the notary checks the mortgage register.

Registration and transcription duties are around 7% for resale, with a higher rate in Luxembourg City, plus notary fees and agent commission (typically a few percent plus VAT). A residential tax credit for first-time resident buyers is not generally available to non-residents. Everything here is approximate; confirm with a notary. The mortgage calculator helps you model repayments.

Many house buyers in Luxembourg commute from or to France, Belgium or Germany. Moving across a border changes the tax residence, social security and sometimes the mortgage options, so speak to an adviser before signing. Owning a home in Luxembourg while living abroad can also create local tax exposure on rental income.