This calculator estimates the cash you need on top of the price when you buy a home in Portugal as a non-resident: IMT (property transfer tax), stamp duty, notary and registry fees and a lawyer. It runs in your browser, and the numbers you type are not sent to our server. It gives a planning estimate, not a quote.
Estimate your buying costs
- Purchase price
- €250,000
- Property transfer tax (IMT)Flat 7.5% if you are not tax resident; lower if you are
- €18,750
- Stamp duty0.8% of the price
- €2,000
- Notary and land registryRough allowance
- €1,250
- LawyerOften fixed or percentage based
- €2,500
- Costs on top of the price9.8% of the price
- €24,500
- Cash you need in total
- €274,500
Estimates only. Taxes vary by region and change over time, and mortgage costs are not included. Rates last checked: October 2026.
How to read the Portugal results
- IMT uses a flat 7.5% for a buyer who is not tax resident in Portugal, under a rule approved in 2026. Residents can pay less, so this page is for non-resident buyers. Check the rate on your signing date.
- Stamp duty is 0.8% of the higher of the price and the property’s tax value.
- Notary and registry and lawyer are rough allowances, and VAT applies to the lawyer’s fee. Ask for written quotes.
- Mortgage costs and the yearly IMI tax are not included.
On a €250,000 home the two purchase taxes come to €20,750, which is 8.3% of the price, and with allowances for fees the total is close to 10%. Read Portugal property taxes for non-residents for each tax and the exemptions, how to get a NIF for the number you need first, and the complete guide to buying property in Portugal for the whole process.
Rates last checked October 2026. Taxes change, so confirm the rate with your lawyer before you sign.
Frequently asked questions
Is 7.5% IMT the rate for everyone?
No. It is the flat rate for buyers who are not tax resident in Portugal. Residents pay a progressive rate that can be lower. Confirm which applies to you with your lawyer.
Does the calculator include IMI?
No. IMI is the yearly property tax, usually 0.3% to 0.45% of the tax value for urban property, and it is paid after you buy.
How accurate is the result?
It is a planning estimate based on typical rates and allowances. Your lawyer’s written quote is the figure to rely on.