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🇵🇹 Portugal Property Intelligence
Closing costs, mortgage access, rental yields, neighborhoods & risk assessment — verified for 2026
In this report
No restrictions for any nationality
Residency Options
Golden Visa ended Oct 2023. D7 visa from €920/mo passive income.
Estimated closing costs range from 7% to 12% of the purchase price. Below is a line-by-line breakdown for a €300,000 property.
| Cost Item | Rate | Estimate |
|---|---|---|
| IMT (transfer tax) | 0–7.5% progressive | €11,250 |
| Stamp duty (IS) | 0.8% | €2,400 |
| Notary + registry | €500–1,200 | €850 |
| Legal fees | 1–1.25% | €3,375 |
| Total Closing Costs | €17,875 | |
| Grand Total (Purchase + Closing) | €317,875 | |
Annual Property Tax
0.3% – 0.45%
IMI on taxable patrimonial value (below market). AIMI wealth surcharge above €600K.
Typical Timeline
8 – 16 weeks
From offer to completion
Loan-to-Value
60% – 75%
Interest Rate
3.3% – 4.5%
Down Payment
25% – 40%
Non-resident mortgage terms vary by bank and applicant profile. Rates shown are indicative for 2026. Documentation requirements typically include proof of income, tax returns, and property valuation.
Gross Yield (avg)
4.5%
Rental Tax Rate
28%
for non-residents
Capital Gains Tax
14%
for non-residents
Rental Income Tax
Flat 28% on gross for non-residents. Reduced rates (5-28%) for longer leases.
Capital Gains Tax
28% on 50% of gain = 14% effective. 50% exclusion since Jan 2023.
Avg Price per sqm (national)
$2,300 USD
Estimated upfront costs at €1,500/month rent in Lisbon
That is roughly 4x monthly rent. Typically 2 months rent (max 2 by law). Returned at lease end.
5 neighborhoods profiled with rent ranges, buy prices, walkability, safety, and lifestyle fit.
Lisbon's trendiest neighborhood — LGBTQ+-friendly, boutiques, garden square, brunch culture.
Príncipe Real sits at the top of Bairro Alto, centered around the Jardim do Príncipe Real garden with its iconic cedar tree. It has become Lisbon's most fashionable address for young professionals and...
Studio Rent
€900–1,300
1-Bed Rent
€1,200–1,800
2-Bed Rent
€1,600–2,500
Buy (per sqm)
€7,500–9,000
Lisbon's best residential neighborhood — quiet streets, local markets, family-friendly.
Estrela and Campo de Ourique are adjacent residential neighborhoods west of the city center. Campo de Ourique is built on a grid (unusual for Lisbon) with the Mercado de Campo de Ourique food hall as ...
Studio Rent
€750–1,100
1-Bed Rent
€1,000–1,500
2-Bed Rent
€1,400–2,000
Buy (per sqm)
€5,000–6,500
Lisbon's historic soul — fado houses, narrow alleys, river views, heavy tourist traffic.
Alfama is Lisbon's oldest neighborhood, dating to the Moorish era. Narrow cobblestone alleys, fado music echoing from restaurants, the São Jorge Castle above, and views of the Tejo river. It's atmosph...
Studio Rent
€700–1,100
1-Bed Rent
€900–1,400
2-Bed Rent
€1,300–2,000
Buy (per sqm)
€5,500–8,000
Seaside suburb 30min from Lisbon — international schools, yacht marina, established expat community.
Cascais is not technically Lisbon, but it's Lisbon's most popular suburb for international families. A 30-minute train ride along the coast from Cais do Sodré station. The town has its own beaches, a ...
Studio Rent
€800–1,200
1-Bed Rent
€1,100–1,800
2-Bed Rent
€1,500–2,500
Buy (per sqm)
€6,500–8,500
Best value in Greater Lisbon — Cristo Rei views, ferry to city center, 40% cheaper.
Almada sits across the Tejo river from Lisbon, connected by the 25 de Abril bridge and regular ferries from Cais do Sodré and Terreiro do Paço. The Cristo Rei statue overlooks the city. Costa da Capar...
Studio Rent
€500–800
1-Bed Rent
€650–1,000
2-Bed Rent
€900–1,400
Buy (per sqm)
€2,800–3,800
License Required
Yes — Alojamento Local (AL)
Day Limit
No day limit
Enforcement
strict
Last Regulatory Change
2024
Key Restrictions
Overall Foreign Buyer Risk: Moderate
3 of 5 risk factors flagged for non-resident buyers in Portugal
Foreign ownership is unrestricted in Portugal. No restrictions for any nationality
Non-resident rental income taxed at 28%. Capital gains at 14%. Flat 28% on gross for non-residents. Reduced rates (5-28%) for longer leases.
Closing costs range 7–12% of purchase price. High transaction costs require longer holding period to break even.
Typical buying/selling timeline: 8–16 weeks. Moderate rental demand — factor in vacancy periods.
Transactions in EUR. Major global currency — relatively stable.
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Property rules, tax rates, and market conditions change. We'll email you when we refresh Lisbon data.
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