Buying Costs
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Independent · free · no sign-up · rules checked 2 Nov 2026

What you pay on top of the price.

Taxes and fees for your exact purchase. Each line shows its source and the day we checked it.

In the local currency
Tax-resident there
Purchase date 2 Nov 2026, age, first-time buyer, official value and becoming resident
Rules in force on this day
First-time buyer
Taxes use it when it is higher than the price

For mainland Portugal, no rule depends on the property being new or owning another home, so they are not asked.

On top of the price, Portugal (mainland)

€33,800

Estimate range €32,925 to €36,750

Taxes€29,050
Fees, typical€4,750
All in€383,800
Tax set by lawTypical feeCould be up toNot confirmed yet, reason on the line

Taxes

€29,050

Fees, typical

€4,750

  • Lawyer (market rate)

    €4,375
    Estimate: €3,500 to €7,000

  • Deed and land registration (Casa Pronta)

    €375

    Casa Pronta, the registry's one-stop deed and registration: €375 for the purchase alone, €700 when a mortgage is registered in the same procedure, plus €50 for each extra property. A deed at a private notary or a lawyer's office costs more and its fee is not regulated.

    Estimate: €375 to €700Source: Ministério da Justiça: Balcão Casa Pronta, fees (updated 28 July 2026; RERN art. 27-A), checked 2 Nov 2026, official source

Rates, situations, rule versions and sources for Portugal (mainland)

Four ways to start

  1. Calculate by country8 places in 3 countries, each with its own calculator, rates and sources.
  2. Compare placesThe same buyer and price in two to four places, as a share of the price.
  3. Read the guidesOne question per guide, answered first, with every figure from the engine.
  4. Buying as a non-residentResidency changes the rules in 4 of 8 places.

By the numbers

Places covered
8
Tax and fee lines modelled
37
Official sources cited
27 of 29
Dated rule versions
16
Latest check
2 Nov 2026

Independent · free · no sign-up. Counts are read from the rule files on 2 November 2026.

Calculators

Each card is the calculator's starting case: a 350,000 resale second home, buyer not tax-resident there who already owns a home, bought on 2 November 2026. The bar is the cost on top as a share of the price.

Why the numbers hold up

Every line cites its law

29 sources are cited, 27 of them official: the law, the tax authority or a government page. Each line in the calculator shows its source and the day it was checked.

Rules are dated

Rule files keep each version with its dates. In mainland Portugal, the starting case bought on 24 May 2026 pays €18,100.11 in taxes; bought on 25 May 2026, €29,050.

Your situation changes the bill

The rules read the property being new, what the home is for, tax residence, owning another home, age, first-time buyer and official value. In England, the same £350,000 resale main home costs £9,000 on top for a resident buyer and £16,000 for a non-resident.

What is in, and what is not

In: purchase taxes and the usual one-off fees, with estimates labelled. Not in: mortgage costs, the annual property tax, and the reliefs listed on how the numbers are made.

A worked example

A 350,000 resale second home, buyer not tax-resident there who already owns a home, in mainland Portugal, bought on 2 November 2026. Highlighted: the figures not confirmed yet.

  1. IMT, non-resident buyer (flat 7.5%)€26,250
  2. Stamp duty (Imposto do Selo, 0.8%)€2,800
  3. Lawyer (market rate)estimate, €3,500 to €7,000€4,375
  4. Deed and land registration (Casa Pronta)estimate, €375 to €700€375
  5. Taxes€29,050
  6. Fees, typical€4,750
  7. On top of the price€33,800

Sources: Decreto-Lei 97/2026 of 20 May, art. 6 (CIMT art. 17(10) to (12)), Diário da República, checked 2 Nov 2026, official source; Portal das Finanças: IMT and stamp duty on property purchases (AT leaflet, January 2026), checked 2 Nov 2026, official source; Ministério da Justiça: Balcão Casa Pronta, fees (updated 28 July 2026; RERN art. 27-A), checked 2 Nov 2026, official source; Lei 74/98, art. 2(2) and (4): laws with no date take effect on the fifth day after publication, checked 2 Nov 2026, official source; AT Ofício Circulado 40131/2026: the 7.5% rate for individuals, couples and refunds, checked 2 Nov 2026, official source. Open the Portugal calculator.

Questions about the calculator

How accurate are the figures?

Taxes are worked out exactly from the published rules, with the rounding the tax authority uses. Notary, registry and lawyer fees are typical market figures with a low and a high end, and are always labelled as estimates. 3 items are flagged as not confirmed and highlighted wherever they appear. Sources were last checked on 2 November 2026.

What does the total include?

The purchase taxes that apply to your case and the usual one-off fees: notary or deed, land registry, and a lawyer, conveyancer or gestoría. It does not include mortgage costs, the annual property tax, or the price itself; the "All in" figure adds the price back.

Do you store or send what I enter?

No. The calculator runs in your browser and sends nothing anywhere. The site sets no cookies and loads no third-party scripts. It counts page views with self-hosted statistics that keep no IP address; the privacy page says exactly what happens.

Which year's rules does the calculator use?

The rules in force on the purchase date you enter, which defaults to today (2 November 2026). Each rule file keeps its versions with start and end dates, 16 in all, so a date before or after a change gets the right rules.

What if my case is unusual?

Some reliefs are not modelled yet, such as rates for large families, buyers with a disability, and young-buyer rates that depend on income. The methodology page lists them. For any purchase, confirm the figures with a lawyer or notary before you sign.

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