Full guide
How much does it cost to buy a home in Portugal?
Complete guide with all tax and cost calculators — updated for 2026.
Verified for 2026 · Source CIMT, CIMI, CIS, Aviso BdP 4/2017
Quick summary: typical purchase costs
IMT 0% – 7.5% of purchase price
Stamp Duty (transfer) 0.8% of purchase price
Stamp Duty (mortgage) 0.6% of loan amount
Notary + Land Registry €300 – €900 estimate
Bank costs €450 – €900 valuation + processing
Total extra 6% – 8% of price (typical)
Individual calculators
IMT Property Transfer Tax
The main purchase tax — calculated on the transaction value using progressive brackets.
Youth IMT: full exemption up to €324k for buyers under 35 (first home)
IMI Annual Municipal Property Tax
Annual tax on VPT. 3-year temporary exemption for first home with VPT ≤ €125k.
AIMI Additional Municipal Property Tax
Only applies if total residential VPT exceeds €600k (€1.2M for couples).
Total costs IMT + Stamp Duty + notary + bank
Calculate all purchase costs at once, with notary and bank estimate.
Mortgage Monthly payment & affordability
How much can you borrow? Calculate your debt service ratio and maximum property value.
Max LTV: 90% for first home
Capital gains Tax on future sale
When you sell, will you pay tax on the gain? Calculate the impact now.
Step by step: buying a home
- Set your maximum budget using the mortgage calculator.
- Calculate the IMT and Stamp Duty for your chosen property.
- Estimate the total cost (IMT + Stamp Duty + notary + bank).
- Check whether the property VPT qualifies for the first-home IMI exemption.
- If selling another property, calculate capital gains and reinvestment relief.
- Confirm all figures with a notary and, if needed, a certified accountant.