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Portugal buying-cost calculator

The all-in cost of buying property in Portugal — IMT, stamp duty, Casa Pronta/notary, legal and mortgage-setup fees — itemized into one total, with every rate bound to its statutory source.

First published

Estimate the true, all-in cost of buying property in Portugal — transfer tax (IMT), stamp duty, notary, registration and legal fees — each line traced to its statutory source.

Describe your purchase below to explore the cost structure, then read the fully-worked example — itemized, with the statutory instrument behind every figure.

Your purchase

Describe your scenario

Fill in your purchase below, then see the itemized cost breakdown computed for your exact scenario. Every field, group and conditional is generated from the purchase model’s published input schema, so a new tax input reaches this screen automatically. The applicable IMT regime is determined for you from your inputs.

Your scenario

Start by entering your purchase price and municipality — your scenario appears here.

The property

The agreed price on the deed. Every cost line scales from it.

Where the property is — the municipality the purchase registers in.

Urban housing vs rustic land — IMT-Jovem relief is urban-only.

Whether the property is a new build or a resale.

About you

Own permanent residence unlocks the IMT-Jovem regime (if you qualify).

Your Portuguese tax residency derives the IMT regime — you never pick it.

Used only to check the IMT-Jovem age ceiling; nothing else reads it.

First-home status is one IMT-Jovem eligibility condition.

Being a dependent for IRS blocks IMT-Jovem relief.

Financing

Financing adds the loan-only cost lines and unlocks affordability.

This form captures your scenario; it never invents a number. The breakdown below is a fully-worked reference example, itemized with the statutory source for every line.

Worked example

€500,000 Lisbon apartment · non-resident buyer · €400,000 mortgage

Buying at €500,000 with a €400,000 mortgage, the itemized purchase costs total €50,120.

Illustrative scenario inputs (a buyer's chosen price and loan) — not a market or statutory figure. Statutory rates/fees come from the fact registry with provenance.

Itemized purchase costs · each line sourced with provenance
Cost lineAmountBasisSource
IMT (property transfer tax)€37,500flat: price × 0.075 = 37500.00Decreto-Lei 97/2026, de 20 de maio (art. 6.º; CIMT art. 17.º n.º 10)2026-05-25
Stamp duty on the transfer (Imposto do Selo, verba 1.1)€4,000purchase_price × 0.008 = 4000.00Código do Imposto do Selo, Tabela Geral, verba 1.12026-01-01
Stamp duty on the mortgage (Imposto do Selo, verba 17.1.3)€2,400loan_amount × 0.006 = 2400.00Código do Imposto do Selo, Tabela Geral, verba 17.1.32026-01-01
Casa Pronta registration (deed + registo)€700flat (financed purchase): 700.00Balcão Casa Pronta — Ministério da Justiça / IRN
Legal fees (lawyer / solicitador)€5,000purchase_price × 0.01 = 5000.00Market-typical Portuguese conveyancing legal fee (advogado / solicitador), 2026 — labeled estimate; no statutory tariff (Ordem dos Advogados fee tables abolished, EOA art. 105.º: honorários by agreement)2026-01-01
Mortgage arrangement fee (comissão de dossier)€290flat (financed purchase): 290.00BdP-supervised bank preçário (comissão de dossier)
Property valuation fee (avaliação)€230flat (financed purchase): 230.00BdP-supervised bank preçário (comissão de avaliação)
All-in total€50,120

How each figure is computed

Every cost line is derived from a statutory rate or fee schedule — never a hand-typed number. Each rate carries a provenance record (source, instrument, effective date) so the total is fully auditable.

IMT (property transfer tax)
flat: price × 0.075 = 37500.00Source: Decreto-Lei 97/2026, de 20 de maio (art. 6.º; CIMT art. 17.º n.º 10) — Non-resident flat IMT regime (2026): 7.5% on acquisition of an urban building/autonomous fraction exclusively for housing, no exemption or reduction, when the acquirer is a non-resident (CIMT art. 17.º n.º 10), save the refund/exclusion cases in the same article. Effective 5.º dia após a publicação (Lei 74/98 art. 2.º n.º 2), as the CIMT amendment is not deferred by DL 97/2026 art. 18.
Stamp duty on the transfer (Imposto do Selo, verba 1.1)
purchase_price × 0.008 = 4000.00Source: Código do Imposto do Selo, Tabela Geral, verba 1.1 — Stamp duty on the acquisition, charged at 0,8% (Tabela Geral do Imposto do Selo, verba 1.1) on the purchase price.
Stamp duty on the mortgage (Imposto do Selo, verba 17.1.3)
loan_amount × 0.006 = 2400.00Source: Código do Imposto do Selo, Tabela Geral, verba 17.1.3 — Stamp duty on the loan, charged at 0,60% (Tabela Geral do Imposto do Selo, verba 17.1.3, crédito ≥ 5 anos) on the financed amount.
Casa Pronta registration (deed + registo)
flat (financed purchase): 700.00Source: Balcão Casa Pronta — Ministério da Justiça / IRN — Casa Pronta single-desk registration tariff (Ministério da Justiça / IRN): 375 € for a cash purchase (one act) or 700 € for a financed purchase (acquisition + mortgage). +50 € per additional property.
Legal fees (lawyer / solicitador)
purchase_price × 0.01 = 5000.00Source: Market-typical Portuguese conveyancing legal fee (advogado / solicitador), 2026 — labeled estimate; no statutory tariff (Ordem dos Advogados fee tables abolished, EOA art. 105.º: honorários by agreement) — Conveyancing legal fee (advogado / solicitador), a labeled market estimate at 1% of the purchase price — no statutory tariff exists (honorários by agreement). A buyer's actual quote governs the real number; VAT (IVA 23%) applies on top.
Mortgage arrangement fee (comissão de dossier)
flat (financed purchase): 290.00Source: BdP-supervised bank preçário (comissão de dossier) — Bank loan-setup fee (comissão de dossier), a labeled estimate at 290 € for financed purchases (0 € for cash buyers). Representative of the 2026 cross-bank market band; each lender's preçário governs the real figure.
Property valuation fee (avaliação)
flat (financed purchase): 230.00Source: BdP-supervised bank preçário (comissão de avaliação) — Bank property valuation fee (comissão de avaliação), a labeled estimate at 230 € for financed purchases (0 € for cash buyers). Representative of the 2026 cross-bank market band; each lender's preçário governs the real figure.

This is general information, not tax or legal advice. Case-specific questions about IMT, stamp duty or residency should go to an Ordem dos Advogados lawyer or a certified accountant (OCC).

Common questions about Portugal property purchase costs

What costs are involved in buying property in Portugal?
Buying property in Portugal carries these itemized costs: IMT (property transfer tax), Stamp duty on the transfer (Imposto do Selo, verba 1.1), Stamp duty on the mortgage (Imposto do Selo, verba 17.1.3), Casa Pronta registration (deed + registo), Legal fees (lawyer / solicitador), Mortgage arrangement fee (comissão de dossier), Property valuation fee (avaliação). Each is a distinct statutory tax or transaction fee, listed and sourced separately on this page.
How are the Portugal property purchase costs calculated?
Every cost line is derived from a statutory rate or fee schedule — never a hand-typed number. Each rate carries a provenance record (source, instrument, effective date) so the total is fully auditable.
Is this buying-cost calculator tax or legal advice?
This is general information, not tax or legal advice. Case-specific questions about IMT, stamp duty or residency should go to an Ordem dos Advogados lawyer or a certified accountant (OCC).

Recent legal changes

Your purchase, costed line by line

Speak with an advisor to apply this cost structure to your specific price, regime and mortgage — and map the paperwork that follows.

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