What does buying a property in Portugal really cost?
See the purchase price, acquisition taxes, fees and initial equity together.
A deposit is not your total cash requirement.
The cash you need combines the part not financed by the bank, renovation and purchase expenses. These include IMT — Portugal’s municipal property-purchase tax (Imposto Municipal sobre as Transmissões Onerosas de Imóveis) — stamp duty and legal, registration and bank fees. Stamp duty on the loan is a separate charge from stamp duty on the purchase.
Our example uses a mainland residential investment, not a primary-residence exemption. Residency, acquisition date, tax value and buyer relief can change the result. Open the full calculator to set your actual case.
Computed example, not a property listing
Fictional mainland Aveiro scenario: purchase €250,000.00, tax value €150,000.00, gross monthly rent €1,400.00, financing 70%, annual interest 3.5%, term 30 years; holding period 10 years.
Tax resident, investment acquisition on 2026-09-12; no young-buyer relief; vacancy 5%, effective tax rate on net rental income 25%.
Initial cash, including renovation and costs: €99,155.50
Rent, appreciation and interest are editable assumptions, not forecasts. The downside reduces rent by 10%, increases vacancy by 5 percentage points and interest by 2 points, reduces appreciation by 2 points and adds a €1,000 annual repairs allowance. See the complete assumptions in the interactive example.
The free tools are simplified starting points. The full calculator lets you adjust costs, financing, taxes and timing, then compare scenarios for a more detailed analysis. Open the calculator
Educational estimates, not financial, legal, tax or investment advice. Methodology and sources