Spain's 15,000 euro grant for under-35 buyers: who qualifies
Real Decreto 326/2026 pays up to 15,000 euros, capped at 20 percent of the price, to buyers aged 35 or under in towns of 10,000 people or fewer. The tests.
The grant everyone under 35 is asking about this week sits in a 97 page decree published in April, and most of the conditions are in three articles.
Real Decreto 326/2026, the state housing plan for 2026 to 2030, pays a young buyer up to 15,000 euros towards a first home in a small municipality, capped at 20 percent of the price. The buyer must be 35 or under, earn no more than five times the IPREM, keep the home as their permanent residence for five years, and own no other home in Spain. The regions run the calls.
What does the decree actually pay?
Real Decreto 326/2026 of 22 April, published in the Boletín Oficial del Estado on 23 April 2026 and in force the next day, regulates the Plan Estatal de Vivienda 2026-2030. Article 140 sets the purpose: to help young people buy, or build for themselves, a home in a municipality or population centre of 10,000 residents or fewer. Article 143 fixes the amount at no more than 15,000 euros per dwelling, with a ceiling of 20 percent of the purchase or construction cost, and allows at most two natural persons to buy together, splitting the grant by their shares. The 20 percent cap means the full 15,000 euros only arrives on a price of 75,000 euros or more.
Article 140 also lets the ceiling rise to 20,000 residents, by reasoned agreement of the committee that oversees the agreement between the ministry and each region, where official statistics show population and economic activity have been slipping over the last five years.
Who qualifies?
Article 141 lists the conditions, and every one of them must be met. The buyer must have signed, on or after 1 January 2026, or be ready to sign, a public or private purchase contract for a home in a small municipality, including a home still to be built. Annual income may not exceed five times the IPREM, the public income indicator, rising to 5.5 times with a recognised disability of 33 percent or more and 6 times at 65 percent or more. The buyer must be under 35, including the age of 35, when applying, or when signing if the contract predates the regional call. The home must be the buyer's habitual and permanent residence for at least five years, occupied within three months of hand over, with exceptions for a job related move or a sale whose full proceeds go into another main home. The price may not exceed the ceiling annex IV sets for the region, and the applicant may not own or hold a usufruct over any other home in Spain, apart from an inherited share or a home they cannot use after separation, divorce or disability.
The income test needs a number. The state employment service, SEPE, lists the 2026 IPREM at 600 euros a month, and the decree measures income against the IPREM on 14 payments, which is 8,400 euros a year.
| Applicant | Income ceiling (€) | |
|---|---|---|
| General (5 times IPREM) | +42,000€ | |
| Disability of 33 percent or more (5.5 times) | +46,200€ | |
| Disability of 65 percent or more (6 times) | +50,400€ |
Where and how is it paid?
Article 144 hands the calls to the autonomous communities and to Ceuta and Melilla, preferably as calls open continuously, allows direct grants in the cases of article 22.2 of the General Subsidies Act, Ley 38/2003, and has the regional authority pay the grant in a single instalment. The consolidated text on the BOE carries any later amendment. Article 141 gives a successful applicant six months from the grant decision to hand in the deed or private contract, and where the home is bought off plan the contract must show the grant as part of the down payment, unless the purchase came before the call and after 1 January 2026. Article 145 allows a developer acting as a collaborating entity to receive the grant on the buyer's behalf and apply it as a discount on the price. Article 142 makes the grant compatible with any other public or private aid for the same purpose, as long as the total does not exceed the cost.
The decree also draws the map. Article 140 defines the small municipality by the resident population at the decree's entry into force or at the date of the call, so a town that has just crossed 10,000 does not qualify, and one that shrinks into the band later does.
What should a buyer check before counting on it?
Three things the decree does not decide. The regional ceiling in annex IV, which caps the price; the date and terms of your region's call, since the grant exists in law but is paid through it; and the five year residence undertaking, which turns a sale within that period into a repayment risk unless the proceeds go into another main home. The other document checks in a Spanish purchase do not change with the grant: the registry extract in our nota simple guide and the occupation licence in our guide to the licencia de primera ocupación still come first.
Read articles 140 to 145 against your own age, income, town and timeline before you read the listing. AiMYNDi reads the listing and the registry extract and flags the price ceiling and the residence undertaking next to the grant.
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