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Free Tool — Updated 2026

Calculate the true cost
of buying in Portugal.

IMT tax, stamp duty, notary, legal fees — every cost a foreign buyer pays, calculated instantly. No sign-up. No surprises.

Your property details

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€350,000
Non-EU buyers pay a flat 7.5% IMT on all residential purchases regardless of price.
Total Purchase Cost
€404,900
+15.7% above the property price
Property PriceAgreed purchase price
€350,000
IMT — Transfer Tax7.5% flat — non-EU
€26,250
Stamp Duty (IS)0.8% of property value
€2,800
Notary & Land RegistryFixed government fees
€900
Solicitor Fees~1% of price
€3,500
Total Cost to Buy
€383,450
Annual Ongoing Costs
IMI (council tax) — estimate €1,050/yr
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What you're paying and why

The four costs every
buyer must know.

🏛️
IMT — Property Transfer Tax

Portugal's main acquisition tax, paid before signing the final deed. Non-EU buyers pay a flat 7.5% on all residential property. EU residents use a progressive scale starting at 0% for homes under €101,917. Must be paid at Finanças before the Escritura can be signed.

Non-EU: 7.5% flat · EU Primary: 0–7.5% progressive
📋
Stamp Duty (IS)

A fixed 0.8% tax on the property value, paid alongside IMT. If you take a mortgage, an additional 0.6% stamp duty applies on the loan amount. This applies to all buyers regardless of nationality or how you're financing.

0.8% on property · +0.6% on mortgage loan if applicable
⚖️
Legal & Notary Fees

A solicitor is essential for foreign buyers — they verify title, check for encumbrances, draft the CPCV, and attend the Escritura. Standard fees run 1–1.5% plus VAT. Notary and land registry are fixed government charges around €700–€1,200.

Solicitor: 1–1.5% + VAT · Notary: ~€700–€1,200 fixed
🏠
IMI — Annual Council Tax

Paid annually, calculated on the tax registration value (VPT) — typically 60–80% of market value. Lisbon municipality charges 0.3% for most urban properties. Non-residents can apply for an exemption in year one if using as primary residence.

Lisbon: 0.3% of VPT · VPT ≈ 60–80% of market value
🔑
NIF & Bank Account

Before anything, you need a Portuguese tax number (NIF) — obtainable at any Finanças office or remotely via a fiscal representative. You'll also need a Portuguese bank account for paying taxes and utilities. Both can be arranged in 1–2 weeks.

NIF: €50–€200 via fiscal rep · Bank account: free to €200
💶
Currency Transfer

If converting from USD, GBP, or another currency, the exchange rate can make a €5,000–€20,000 difference on a €400,000 purchase. Specialist FX providers (Wise, Lumon, TorFX) typically beat bank rates by 1–2% and offer forward contracts to lock your rate.

Potential saving vs. bank rate: 1–2% of total transfer
EU Resident Progressive Scale

IMT rate table — primary residence

For EU/EEA residents buying their primary home. Non-EU buyers pay 7.5% flat on the full amount regardless of price band.

Property ValueMarginal RateDeductionEffective Rate at Band Top
Up to €106,3460%—0.0%
€106,346 – €145,4702%€2,126.920.5%
€145,470 – €198,3475%€6,491.021.9%
€198,347 – €330,5397%€10,457.963.8%
€330,539 – €660,9828%€13,763.355.9%
€660,982 – €1,150,8536% (flat)—6.0%
Above €1,150,8537.5% (flat)—7.5%

Rates effective 2026 (OE2026, updated +2%). Secondary residences start at 1%. IMT Jovem: full exemption under €330,539 for buyers ≤35 buying first primary home. All figures for Portugal Continental.

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