Total purchase costs run 7–9% above the property price for EU residents buying a primary home — comprising IMT transfer tax, stamp duty, notary and legal fees.
IMT is progressive, but since 25 May 2026 non-residents who have never been tax resident in Portugal pay a single 7.5% rate on residential property, refundable if they become resident within 2 years. Use our IMT calculator for a precise estimate of your total costs.
Cash purchases close in 6–10 weeks. Mortgage purchases take 3–4 months. Off-plan completions follow the developer's construction timeline.