GUIDE · PURCHASE COSTS
What does buying a home cost, on top of the price?
On top of the price, buyers in Portugal pay IMT transfer tax (0% to 7.5% depending on price and use), 0.8% stamp duty and land registry (€375 at Casa Pronta, €700 with a mortgage). For a €500,000 permanent home the total is about €30,612.
Updated 13 November 2026 · Metastate, licensed real estate agency (AMI 22076)
Examples (mainland Portugal, no mortgage)
| Price | IMT permanent home | IMT second home | Stamp duty 0.8% | Total (permanent) |
|---|---|---|---|---|
| €200,000 | €3,542 | €4,606 | €1,600 | €5,517 |
| €300,000 | €10,542 | €11,606 | €2,400 | €13,317 |
| €500,000 | €26,237 | €27,300 | €4,000 | €30,612 |
| €750,000 | €45,000 | €45,000 | €6,000 | €51,375 |
| €1,000,000 | €60,000 | €60,000 | €8,000 | €68,375 |
| €1,500,000 | €112,500 | €112,500 | €12,000 | €124,875 |
Total = IMT + stamp duty + Casa Pronta registry (€375). With a mortgage, registry is €700 and there is stamp duty on the loan, bank valuation and fees.
How IMT is calculated in 2026
Permanent home: exempt up to €106,346; then marginal rates of 2%, 5%, 7% and 8% up to €660,982; a flat 6% up to €1,150,853 and 7.5% above that. For a second home or investment, rates start at 1% and the flat 6% applies from €633,931.
Buyers aged 35 or under, first permanent home: fully exempt up to €330,539 and partially exempt up to €660,982.
Run your own numbers in the simulator or see what a home costs in Lisbon, Cascais and Oeiras.
Sources
- Tax Authority · Circular 40129/2026 (IMT tables 2026)
- Stamp Duty Code, General Table, item 1.1 (0.8%)
- IRN · Casa Pronta
General information, not legal or tax advice. For your specific case: talk to a consultant.