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Owning an apartment in Rosario involves various taxes and fees that can significantly impact your total cost of ownership.
From purchase taxes to annual property levies and monthly building fees, understanding these costs is crucial for making informed investment decisions in Argentina's second-largest city. The tax structure includes municipal property taxes, provincial real estate taxes, building maintenance fees, and various utility charges that add up to substantial annual expenses.
If you want to go deeper, you can check our pack of documents related to the real estate market in Argentina, based on reliable facts and data, not opinions or rumors.
For a 60m² apartment in Rosario worth USD 80,000-120,000, expect total annual taxes and fees of approximately USD 650-1,400.
Monthly recurring costs including building fees, utilities, and taxes typically range from USD 50-120 per month.
| Cost Category | Monthly Amount (USD) | Annual Amount (USD) |
|---|---|---|
| Building Fees (Expensas) | 14-45 | 168-540 |
| Municipal Property Tax | 4-11 | 45-135 |
| Provincial Property Tax | 3-8 | 35-90 |
| Water & Sewer | 3-7 | 36-84 |
| Municipal Services | 1-2 | 12-24 |
| Insurance | - | 30-90 |
| Total Range | 25-73 | 326-963 |
What's the purchase price of an apartment in Rosario?
Apartment prices in Rosario vary significantly based on location, size, and building quality as of September 2025.
Studio and one-bedroom apartments typically cost between USD 40,000 and USD 80,000 for properties ranging from 30 to 50 square meters. Two to three-bedroom apartments generally fall in the USD 80,000 to USD 150,000 range, with a 60-square-meter apartment typically costing around USD 80,000 to USD 120,000 depending on the neighborhood and building amenities.
The price per square meter in central Rosario averages USD 1,614, while premium locations can reach up to USD 1,995 per square meter. These prices reflect the current market conditions where Rosario offers more affordable options compared to Buenos Aires while still providing good investment potential.
It's something we develop in our Argentina property pack.
How much is the property transfer tax or stamp duty at the time of purchase, and what's the exact percentage?
The property transfer tax structure in Rosario has undergone significant changes as of September 2025.
The property transfer tax was completely eliminated in July 2024, meaning buyers no longer pay this specific tax when purchasing residential property. However, stamp duty still applies at a rate of 1.75% of the sale price, which the buyer must pay. Additionally, sellers also pay 1.75% stamp duty, but only on amounts exceeding AR$205,332,000 for a sole family residence.
Beyond stamp duty, buyers should budget for notary fees ranging from 1% to 2% of the purchase price plus 21% VAT, and registration fees of 0.6% to 1% of the property value. When combined, total transaction costs typically amount to 3.5% to 5% of the purchase price, including all notary, stamp duty, registration, and miscellaneous fees.
What are the annual municipal property taxes, and how are they calculated per square meter or property value?
Municipal property taxes in Rosario are assessed through the "Tasa General de Inmuebles" (TGI) system.
The typical rate ranges from 0.5% to 1.2% of the fiscal value, which is often lower than the actual market value of the property. For an apartment valued between USD 80,000 and USD 120,000, annual municipal property taxes typically range from AR$50,000 to AR$150,000, which translates to approximately USD 45 to USD 135 per year depending on municipal reassessments.
The calculation is based on the municipality's assessed fiscal value rather than the purchase price, and this assessment can vary significantly from actual market values. Property owners should expect periodic reassessments that may increase their tax liability over time.
How much are the provincial real estate taxes, and what's the rate applied in Rosario specifically?
Provincial real estate taxes in Rosario fall under Santa Fe Province's "Impuesto Inmobiliario" system.
The rate typically ranges from 0.4% to 0.7% of the fiscal value and applies to all residential properties within the province. For a property with a market value of USD 100,000, annual provincial taxes generally cost between AR$40,000 and AR$100,000, equivalent to approximately USD 35 to USD 90 per year.
Like municipal taxes, provincial real estate taxes are calculated based on the government's fiscal valuation rather than market price. The provincial government may adjust these rates and assessments periodically, potentially affecting your annual tax burden.
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What are the monthly "expensas" (building fees) for an average apartment of, say, 60 m², and how do they vary by building type?
Building fees, known as "expensas," represent one of the most significant monthly expenses for apartment owners in Rosario.
| Building Type | Monthly Cost (ARS) | Monthly Cost (USD) |
|---|---|---|
| Basic Building (no elevator) | 15,000-20,000 | 14-18 |
| Standard Building (elevator only) | 20,000-30,000 | 18-27 |
| Mid-range Building (elevator + amenities) | 30,000-40,000 | 27-36 |
| Luxury Building (full amenities) | 40,000-50,000 | 36-45 |
| Premium Tower (concierge + pool + gym) | 50,000+ | 45+ |
These fees cover maintenance, cleaning, lighting, elevator operation, security services, and some utilities in common areas. Buildings with pools, gyms, 24-hour security, or concierge services command the highest monthly fees.
What's the typical monthly water and sewer tax for an apartment in Rosario?
Water and sewer services in Rosario are charged through municipal utility bills with relatively affordable rates.
For a standard apartment, monthly water and sewer charges typically range from AR$3,000 to AR$8,000, which equals approximately USD 3 to USD 7 per month. The exact amount depends on consumption patterns, apartment size, and the specific service provider in your building's area.
These charges are usually billed separately from your building's expensas and are paid directly to the municipal water authority. Some newer buildings may include estimated water costs within the monthly building fees, but this is less common in Rosario.
How much is charged for garbage collection or municipal services per month?
Garbage collection and municipal services in Rosario are typically included in other fee structures rather than charged separately.
Most garbage collection costs are incorporated into the Tasa General de Inmuebles (TGI) or included within your building's monthly expensas. When charged separately, direct municipal levies rarely exceed AR$1,000 to AR$2,000 per month, equivalent to approximately USD 1 to USD 2.
This integrated approach means you won't usually receive a separate garbage collection bill, making it easier to manage your monthly property-related expenses. However, some buildings may itemize these costs within their monthly fee breakdowns.
What's the annual income tax implication if you rent the apartment out, and what percentage applies on rental income?
Rental income taxation in Argentina follows different rules for residents and non-residents.
For non-resident property owners, rental income is typically taxed at a flat rate of 21% on net income after allowable expenses such as maintenance, utilities, and property management fees. Argentine residents face progressive income tax rates ranging from 5% to 35% depending on their total annual income, with rental income added to their overall taxable income.
Most landlords can deduct legitimate expenses including maintenance costs, building fees, property taxes, insurance, and property management fees. After accounting for these deductions, the effective net yield typically ranges between 2.5% and 3.5% annually for rental properties in Rosario.
It's something we develop in our Argentina property pack.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Argentina versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you're planning to invest there.
How much is the personal asset tax (impuesto sobre los bienes personales) for an apartment of around USD 80,000 to 120,000?
The personal asset tax, known as "impuesto sobre los bienes personales," applies only when total assets exceed specific thresholds.
As of September 2025, the tax applies when total personal assets exceed approximately AR$292,994,965. For most apartment owners with properties valued between USD 80,000 and USD 120,000, this threshold is typically not reached, meaning no personal asset tax is due.
If the threshold is exceeded, the tax operates on a progressive scale starting at 0.5% and rising to 1.25% for very high-value asset portfolios. The tax considers all personal assets, including bank accounts, investments, vehicles, and real estate, both domestic and international.
What are the notary and registration fees at purchase, and what percentage of the property price do they represent?
Notary and registration fees represent essential costs in the property purchase process in Rosario.
Notary fees typically range from 1% to 2% of the purchase price, plus an additional 21% VAT on the notary's professional services. Registration fees for recording the property transfer usually cost between 0.6% and 1% of the property's purchase price.
Combined with stamp duty and other miscellaneous costs, these professional and administrative fees contribute to the total transaction cost of 3.5% to 5% of the property value. For a USD 100,000 apartment, buyers should budget approximately USD 3,500 to USD 5,000 for all purchase-related fees and taxes.
How much is the annual insurance cost for an average apartment in Rosario?
Property insurance costs in Rosario are relatively affordable compared to international standards.
Annual home and apartment insurance typically costs between AR$30,000 and AR$100,000, equivalent to approximately USD 30 to USD 90 per year. The exact premium depends on coverage levels, property value, location, and the specific risks covered in your policy.
Standard policies usually cover fire damage, theft, liability, and structural damage. Some building associations may require minimum insurance coverage levels, while comprehensive policies that include earthquake or flood coverage may cost more depending on your apartment's specific location within Rosario.
It's something we develop in our Argentina property pack.
What's the total monthly and annual breakdown (in pesos and approximate USD) for all recurring taxes and fees combined?
The total cost of ownership for a 60m² apartment in a mid-range building in central Rosario includes various recurring expenses.
| Expense Category | Monthly (ARS) | Monthly (USD) | Annual (ARS) | Annual (USD) |
|---|---|---|---|---|
| Building Fees (Expensas) | 30,000 | 27 | 360,000 | 324 |
| Water & Sewer | 6,000 | 5 | 72,000 | 65 |
| Municipal Property Tax (TGI) | 10,000 | 9 | 120,000 | 108 |
| Provincial Property Tax | 8,000 | 7 | 96,000 | 86 |
| Municipal Services | 2,000 | 2 | 24,000 | 22 |
| Insurance (annual) | - | - | 50,000 | 45 |
| Total Monthly/Annual | 56,000 | 50 | 722,000 | 650 |
These estimates may fluctuate due to changing exchange rates, municipal reassessments, or inflation adjustments that can impact real ARS/USD values over time.
Conclusion
This article is for informational purposes only and should not be considered financial advice. Readers are advised to consult with a qualified professional before making any investment decisions. We do not assume any liability for actions taken based on the information provided.
Understanding the complete tax structure is essential for successful property investment in Rosario.
While the costs may seem substantial, they remain competitive compared to other major Argentine cities, making Rosario an attractive option for property investors seeking affordability with good growth potential.
Sources
- TheLatinvestor - Rosario Property Market
- TheLatinvestor - Rosario Price Forecasts
- Multilaw - Real Estate Guide Argentina
- TheLatinvestor - Buenos Aires Property Taxes
- TheLatinvestor - Rosario Real Estate Market
- iProfesional - Personal Assets Tax 2025
- Presupuesto Familiar - Personal Assets Tax Payment
- American Tristar Insurance - Apartment Insurance Costs