What buying a home costs on top of the price

IMT, stamp duty and the property registration — every number with its source next to it. Official 2026 tables and, if you name the municipality, the IMI you pay every year as well.

Updated on 11.10.2026

Purchase price (as in the contract) (€)

IMT and Imposto do Selo are charged on the higher of this price and the VPT. Why there are two values

VPT from the caderneta predial, if you know it (€)

If it is higher than the price, IMT and Imposto do Selo are calculated on it. Annual IMI is always charged on the VPT.

Where it is

Mainland Azores or Madeira

This will be my own permanent home I am 35 or under and this is my first home I am not and have never been tax resident in Portugal

A non-resident buyer pays IMT at a flat 7.5%, with no exemptions. If you have ever been treated as tax resident in Portugal, leave this unticked.

The buyer is a company from a territory on Portugal's list of more favourable tax regimes, or controlled from one

Such a company pays IMT at 10% with no exemptions, even if it is resident in Portugal. The rate never applies to an individual.

Municipality of the property

It sets the IMI rate and also which IMT table applies.

Enter the price and press Calculate. The breakdown appears here, line by line: IMT, stamp duty and the registration.

What this total does not include

Not here: the purchase contract at a notary or solicitador, the agency's commission, the bank's valuation and the insurance. Buying with a mortgage also costs more than this total — there is a second registration act, and there is stamp duty on the loan itself (item 17.1), which we do not work out because we never asked you the size of the loan. None of these amounts is fixed: they depend on your case.

Where each number comes from

Ofício Circulado 40129/2026 · Lei n.º 73-A/2025 (OE 2026)
IMT: the 2026 bands and rates
CIMT, art. 12.º · Código do Imposto do Selo, art. 9.º, n.º 4
The base of IMT and Imposto do Selo: the higher of the price and the VPT
Tabela Geral do Imposto do Selo, verba 1.1
Stamp duty: item 1.1 of the General Table
CIMT, art. 17.º, n.os 4, 7 e 10–12 (Decreto-Lei n.º 97/2026)
IMT for non-residents and for companies from listed tax regimes
Código do Imposto do Selo, art. 7.º-A · Decreto-Lei n.º 48-A/2024
Relief up to age 35: art. 7.º-A of the Código do Imposto do Selo
Casa Pronta, Ministério da Justiça · Regulamento Emolumentar dos Registos e Notariado (DL n.º 322-A/2001)
Property registration: the Casa Pronta price list
Portal das Finanças, Consultar taxas de IMI
The municipality's IMI rate: the Tax Authority's table

What buying a home costs on top of the price

What this total does not include

Go through these numbers with someone who does it daily

Where each number comes from

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