2026 Guide: Buying Property in Portugal – IMT & All Fees Explained

USEFUL INFO

Looking to buy property in Portugal in 2026? ACPS Real Estate provides the latest, expert guidance on all property taxes, IMT rates, and fees for international and local buyers. Whether you’re purchasing a home in the Algarve, Silver Coast, or anywhere in Portugal, this comprehensive guide helps you understand every cost involved—so you can buy with confidence.

Key Changes to Property Taxes in Portugal for 2026

Non-residents (buying a second home): Now pay a flat IMT (property transfer tax) rate of 7.5% on the purchase price, regardless of property value.
Residents (buying a primary residence): Continue to benefit from progressive IMT brackets (see table below).
Stamp Duty: Remains at 0.8% of the declared value; an extra 0.6% applies if a mortgage is used.
Notary & Registration Fees: Calculated on the declared value; typically managed by your legal representative.
Annual Council Tax (IMI): Urban properties taxed at 0.3%–0.5% (set by your local council); rustic land at 0.8%.

The Property Buying Process in Portugal

Promissory Contract: Usually signed within 2–4 weeks once documents are ready.
Completion: Date agreed in advance; secures the terms of your purchase.
Final Steps: Payment of notary, stamp duty, and registration fees to officially register your property.

Why Work with ACPS Real Estate?

With over 10 years of experience guiding UK and international buyers, ACPS Real Estate is your trusted partner for property transactions in the Algarve and Silver Coast. Our team ensures a transparent, stress-free process - explaining every cost, supporting you through legal steps, and providing local expertise every step of the way.

Ready to buy property in Portugal?

Contact ACPS Real Estate today for tailored advice and insider knowledge.