Cost of Buying Property in Portugal (2026) — Taxes & Cash Needed

Property price €

€100k€2M

Above €2M — type the exact price in the box above.

Buyer status

Property use

Region

Financing

Loan amount€245,000

€50k€2M

That's 70% of the price (LTV).

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Down payment

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Taxes & fees

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Total cash needed (approx.)

IMT—

Stamp duty on purchase 0.8% of the price—

Stamp duty on the mortgage 0.6% of the loan (term ≥ 5 yrs)—

Notary, deed & registration typical, varies by notary€1,200

Bank fees median of real client files€4,962

Down payment price minus loan—

Total cash needed—

Not sure how much you can borrow? → Affordability calculator · See real bank rates → Portugal mortgage calculator

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Important. This page provides indicative estimates with 2026 rates and is not tax, legal or financial advice, nor an offer or advertising of credit conditions. IMT uses the 7.5% flat rate for non-resident individuals (Decree-Law 97/2026) or the 2026 progressive scales for residents (mainland; Azores & Madeira thresholds 25% higher). Stamp duty: 0.8% on the purchase and 0.6% on mortgages with a term of 5 years or more. Notary and bank amounts are typical values and vary by provider and bank. Every value requires verification for your specific case and is subject to bank approval. Portugal Mortgage is a credit intermediary registered with Banco de Portugal, licence ICV 6191.