When an elderly person moves into a care home, many families face an important question: what to do with their property and whether selling it could affect the tax exemption for a primary residence.

It is quite a common situation. The sale does not always happen immediately after the move. Sometimes the family needs time to organise documents, value the property, decide whether to sell or rent, or simply manage the personal situation calmly.

What this tax exemption means

The tax exemption allows a person over 65 years old not to pay income tax (IRPF) on the profit obtained from selling their main residence.

This can represent a significant financial difference. If the property was bought many years ago and is now sold for a higher price, the gain can be considerable. That is why knowing whether the exemption is maintained or not is key before making a decision.

The doubt arises when the person no longer physically lives in the property because they have moved into a care home.

Why this is important for many families

This situation affects many family decisions. It is not always easy to sell a property in a short period of time, especially when documentation needs to be reviewed, the house prepared or several family members coordinated.

It also helps to better plan the operation: correctly valuing the property, preparing its presentation and choosing the best time to put it on the market.

How this affects Costa Blanca and Costa Cálida

In areas such as Torrevieja, Pilar de la Horadada, Orihuela Costa, San Pedro del Pinatar or La Manga del Mar Menor, these situations are quite common.

Many properties belong to elderly people, both national and foreign, who due to age, health or personal circumstances stop living in the property.

In these cases, understanding the tax aspect is just as important as knowing the real market value. A good decision can avoid unnecessary costs and improve the result of the sale.

What a family should consider before selling

It is important to check whether the property was genuinely the main residence, how much time has passed since the move, the reason for entering the care home and what documentation can justify it.

It is also advisable to value the property realistically. Good tax planning is of little use if the property enters the market at an unrealistic price or with weak presentation.

At Munfort, we help owners and families in Costa Blanca South and Costa Cálida to value their property, prepare the sale and make decisions with a clear, realistic approach adapted to each situation.