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IMT on a 400 000 € Home in Portugal (2026)
Buying a 400 000 € main home on the mainland costs 18 236,65 € IMT plus 3 200,00 € stamp duty. With IMT Jovem: 6 112,57 €. 2026 tables.
The property
Use
Where
IMT Jovem? (aged 35 or under, first main home)
Tax to pay at the deed
21 436,65 €
| IMT | 18 236,65 € (4.56%) |
| Stamp duty (0.8%) | 3 200,00 € |
| Total | 21 436,65 € |
Tables in force from 1 January 2026. Leaves out registry, notary and bank fees. Checked: October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Ofício Circulado 40129/2026 (tabelas IMT 2026) · Portal das Finanças
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Answer: on a 400 000 € main home on the mainland you pay 18 236,65 € IMT (4.56% of the price) plus 3 200,00 € stamp duty (0.8%), 21 436,65 € in total. If you're 35 or under and it's your first main home, IMT Jovem cuts this to 6 112,57 €.
| Case | IMT | Stamp duty 0.8% | Total |
|---|---|---|---|
| Main home, mainland | 18 236,65 € | 3 200,00 € | 21 436,65 € |
| IMT Jovem (35 or under) | 5 556,88 € | 555,69 € | 6 112,57 € |
| Second home / to let | 19 300,11 € | 3 200,00 € | 22 500,11 € |
| Main home, Azores/Madeira | 14 927,52 € | 3 200,00 € | 18 127,52 € |
IMT is charged on the price or the property's tax value, whichever is higher. With a mortgage, add 0.6% stamp duty on the loan.
Questions people ask
Up to what price is a home IMT-free?+
Main home on the mainland: up to €106,346. With IMT Jovem (35 or under, first home): up to €330,539, with no stamp duty either.
Who gets IMT Jovem?+
People aged 35 or under buying their first main home, who are not someone else's dependant and have never owned a home. Between €330,539 and €660,982 the exemption is partial; above that there is none.
When is IMT paid?+
Before the deed. The notary or lawyer issues the payment slip, and it must be paid before signing.