Todi Real Estate: Apartments, Houses and Villas in Umbria

Todi sits on a hill above the Tiber valley in the province of Perugia. The medieval centre has a vast main square, the Piazza del Popolo, framed by the cathedral and palaces, and the town consistently rates among Italy's most liveable small towns. Streets are steep and cars are restricted inside the walls, so ground-floor access and parking matter for property choice.

The countryside has olive groves, vineyards and farmhouses. Perugia is about 40 minutes away where a small airport offers limited routes; Rome Fiumicino is around two hours. The town is quiet in winter and livelier in summer, with music and cultural events.

Buyers are mostly northern Europeans and Americans seeking a second home or retirement base, alongside Italian professionals. To compare, look at Perugia, Rome or Sassari in Sardinia.

Italy allows foreigners to buy property, subject to reciprocity in some cases, and the process is well established.

1. Make a written offer (proposta d'acquisto), often with a deposit.
2. Sign a preliminary contract (compromesso) with a larger deposit.
3. Your notary checks title, mortgages and building compliance.
4. Sign the deed (rogito) before the notary and pay taxes.

On resale second homes, registration tax is commonly 9% of the cadastral value, which is usually lower than the market price; the rate is 2% for a main residence for qualifying residents. Agency fees are typically around 3% plus VAT on each side, and notary fees are extra. Old rural properties often need a surveyor, because of conformity issues and structural works. Read the Italy consultation guide, the financing guide and the Italy overview.

After purchase, Italian owners pay a municipal property tax (IMU) on second homes, a waste tax (TARI) and utility bills; a main residence is usually exempt from IMU unless it is a luxury category. Non-residents who rent out the property must declare the income, and Italy has a flat-rate option for qualifying lettings. Heating old stone houses in Umbrian winters is costly, so ask for energy certificates and bills. Check whether the property has a registered cadastral category and whether any extensions match the plans filed with the comune. Use the mortgage calculator if you are borrowing at home.

Restoring a stone farmhouse in Umbria can cost far more than the purchase price. Get quotes before you commit and ask about seismic upgrading, as the region has had earthquakes. Browse the cheap Italy page if budget is key.