What changes for you
- We use the second-home table. The cheaper main-home table is only for a home you'll live in.
The asking price is only part of what you pay. IMT, legal fees, surveys and mortgage costs can add thousands. See the full amount before you make an offer.
Costs on top of the price
€18,106
Second home / investment ·
≈ US$21,002 in your currency · cash needed if you buy outright ≈ US$369,002
What do you want to work out?
Every tax and fee on top of the price, for where you live and where you're buying.
Costs on top of the price
Price
€300,000Costs on top
€18,106Cash needed if you buy outright
€318,106What could it be worth?
Based on official prices for Portugal as a whole: 21 five-year periods since 2000. In the last 5 years prices there changed by 10.9% a year.
Green or red shows the gain or loss against everything you paid (price plus buying costs of €18,106). In the typical scenario the buying costs are covered after about 4.5 years. Before mortgage interest, running costs and selling costs.
These are scenarios based on past national prices, not a forecast or a price for any home. Prices can fall as well as rise, past changes don't predict future ones, and your area can differ a lot from the national average. Source: Bank for International Settlements (official national house prices), latest data 2026-Q1. See the data.
US$21,002
Cash needed ≈ US$369,002
Example rate. Change it to the rate you'll get.
Paying from USD to EUR? Wise uses the mid-market exchange rate and shows its fee before you send.
See Wise's rateSponsored · we may earn a fee if you use Wise, at no extra cost to you.
A US$348,000 home in the United States would cost about US$10,890 on top, as a local buyer.
Estimates only, to help you plan. Not tax, legal, mortgage, investment or financial advice. Rules and prices change, and your situation may differ: always confirm figures with a qualified solicitor, notary, tax adviser or lender before you commit. Partner links and adverts are labelled; they never change your result.
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Buying from abroad?
Moving money to Portugal? See Wise's rate and fee before you sendSponsored · we may earn a fee if you use Wise, at no extra cost to you.Where are you buying?
Tap a country to load its taxes, regions and buyer types.
Next steps
Partner links: we may earn a fee if you use them, at no cost to you. They never change your result, and we don't recommend any lender or adviser.
Questions
Second home / investment: IMT is about €11,606. All buying costs together come to about €18,106, or 6.0% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Portugal. Some rules on who can buy, or which rate applies, can still depend on where you live.
No limits on foreign buyers.
A NIF (Portuguese tax number). Often a tax representative in Portugal while you live outside the EU.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
Buying in Portugal?
CasaAlpha Deals checks and rates thousands of repossessions, auctions and price-cut homes every night. Free to join.
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