Property purchase cost calculator

IMT Calculator

Calculate IMT (Imposto Municipal sobre Transmissoes) and closing costs for property in Portugal.

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Financing method
Property Type
Additional surcharges

Progressive transfer tax on property purchases in mainland Portugal. Rates shown are for secondary/investment residence. Below EUR 621,501 the tax is progressive (1-8%). Above EUR 621,501 a flat rate applies to the entire price (6% up to EUR 1.13M, 7.5% above). Primary residence buyers benefit from lower rates with a zero-rate band up to ~EUR 106K. Stamp duty (Imposto do Selo) of 0.8% is charged separately.

IMT (Imposto Municipal sobre Transmissoes) uses a progressive sliding scale — you only pay the higher rate on the portion of the price that falls within each band, not on the full purchase price.

Property valueRate
€0.00 – €106,346.001.0%
€106,346.00 – €145,053.002.0%
€145,053.00 – €198,146.005.0%
€198,146.00 – €306,420.007.0%
€306,420.00 – €621,501.008.0%
€621,501.00 – €1,128,287.006.0%
€1,128,287.00 and above7.5%

IMT (Commercial / Non-Residential) (Commercial)

Non-residential/commercial properties in Portugal pay a flat IMT rate of 6.5% of the purchase price.

Flat rate of 6.50% of the purchase price.

Additional surcharges

Non-resident buyer (flat 7.5% IMT)

2026 non-resident flat rate: 7.5% on the full price replaces the progressive brackets. Does not apply if you commit to renting at moderate rent or become resident within 2 years.

Beyond IMT (Imposto Municipal sobre Transmissoes), buyers typically pay the following fees when purchasing property in Portugal. These are included in the calculator above.

Stamp Duty (Imposto do Selo)

Stamp duty of 0.8% on the purchase price or VPT (whichever is higher). Paid in addition to IMT at the time of signing the deed.

Lawyer / Solicitor Fee

Legal fees for reviewing contracts, due diligence, and representing you at the deed signing. Typically 1-1.5% of purchase price + 23% VAT, with a minimum of EUR 1,500.

Notary Fee (Escritura)

Fee for the notary who witnesses and certifies the deed of sale (escritura). In Portugal, notaries are mandatory for property transfers. Typically EUR 300-600.

Land Registry (Registo Predial)

Fee for registering the property transfer with the Conservatoria do Registo Predial. Typically EUR 200-300.

Stamp Duty on Mortgage

Additional stamp duty of 0.6% applied to the mortgage loan amount. Only applies if financing with a mortgage.

Only applies when financing with a mortgage.

Mortgage Arrangement Fee

Bank processing fee for the mortgage. Varies by lender — typically EUR 200-500. Some banks waive this for certain products.

Property Valuation

Independent property valuation required by the bank for mortgage approval. Typically EUR 200-400.

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