Bulgaria
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ENTRY FROM
€60 000
Completed and under-construction residential real estate
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YIELD
4–6%
urban residential real estate, approximately
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RESIDENCY
≈ €306 775
An investment-based route may be available; a purchase for €60,000 does not grant status
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PAYMENTS
EUR
Bulgaria adopted the euro on January 1, 2026
Why Bulgaria
The opportunity to enter the European Union market with transactions denominated in euros and state registration through Imotniya registr
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The European Union Market
The euro, since 1 January 2026, reduces the currency complexity of transactions.
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Urban and resort strategies
Sofia — long-term rentals; coastal and mountain resorts — a seasonal model.
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State registration
The contract is formalized by a notarial deed and registered in Imotniya registr.
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Accessible Entrance
Properties starting at €60,000 in urban and resort locations.
Property types
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City apartment
Ready-to-move-in housing for residential use, long-term rental, and capital preservation.
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New construction
There is no one-size-fits-all project escrow—Act 14/15/16 and payment protection are verified.
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Resort apartments
Coastal and mountain resorts—the outcome depends on the season and the level of service.
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Service and Hotel Facilities
The model being reviewed: a single property, a rental pool, or a right to income.
Key locations
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PRIORITY
Sofia
Year-round urban demand, employment, and education
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PRIORITY
Varna / Burgas
Coastal Cities, Long-Term and Seasonal Rentals
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SELECTIVE
Plovdiv
Regional hub, university, and industry demand
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PRIORITY
Sunny Beach / Nessebar
Accessible entry, well-developed tourism infrastructure
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NICHE
Bansko / Borovets
Ski resort real estate, short season
Taxes and Expenses
| Tax | Rate | Comment |
|---|---|---|
| Local tax on purchases | individually | The greater of the transaction price and the tax assessment |
| Registration in Imotniya registr | ≈0.1% | Based on the current data as of the date of the agreement |
| VAT | 20% (in some cases) | For new, commercial, and other taxable properties |
| Rental income of an individual | ≈10% | The tax base depends on residency and the lease model |
Non-EU citizens can purchase apartments directly, but ownership of the land may require a Bulgarian company. A purchase of €60,000 does not automatically grant a residence permit.
How We Help
The full cycle—from candidate selection to closing the deal.
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Property selection
We compare the budget with the location, property type, and seasonality.
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Legal review
Verification of the notarized title, cadastral records, land, and management agreement.
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Transaction support
Coordination between the attorney, notary, bank, and the state registration authority.
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Post-purchase support
Technical acceptance, insurance, management, and leasing.
In Bulgaria, there is no universal mandatory project escrow system — each payment related to a construction project requires separate contractual protection.