The price on the listing isn’t the full story. Use the 2026 calculator to estimate IMT, stamp duty and the taxes you’ll pay on top — as a non-resident or a resident.
Estimates based on the 2026 IMT tables and Decreto-Lei 97/2026. The non-resident rate is based on tax residency, not nationality. Tax base is the higher of price or taxable value (VPT). Notary & registration (~1.500–2.000 €) are extra. For an exact figure, talk to us.
On top of the purchase price, budget for these. Read the full IMT & stamp duty guide →
The big one. Non-residents pay a flat 7.5% on a residential purchase (Decreto-Lei 97/2026); Portuguese tax residents pay a progressive rate (0%–8%) that’s lower on an own permanent home. Charged on the higher of the price or the taxable value (VPT).
A flat 0.8% of the purchase price, paid before the deed. If you buy with a mortgage, a further 0.6% stamp duty applies to the loan amount (for terms of 5 years or more).
Separate from the taxes above: signing the deed, registering the property and bank/legal admin. Typically around 1.500 € to 2.000 €.
The 7.5% can be recovered: ask the tax authority to refund the difference if you become a Portuguese tax resident within 2 years, or let the property on a moderate-rent contract (≤ 2.300 €/month).