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Madeira IMT calculator 2026
Madeira, like the Azores, has its own IMT tables: every band is 25% higher than on the mainland, so the same price pays less IMT here (AT Ofício Circulado 40129/2026). Since 25 May 2026, a buyer who is not tax resident in Portugal pays a flat 7.5% on a home, with no exemptions (Decree-Law 97/2026). This calculator applies the Madeira tables and the non-resident rule.
Your scenario
IMT - Madeira, 2026
€18,796
Own permanent home: AT Tabela IV for the autonomous regions, 2026.
| Stamp duty (0.8%) | €3,600 |
| Deed and registration, Casa Pronta (IRN price; €700 with a mortgage) | €375 |
| Lawyer fees (assumption: 1.3% of the price) | €5,850 |
| Total acquisition cost (estimate) | €28,621 |
Estimates exclude: bank mortgage fees (if applicable), survey and property inspection, translation of official documents, condominium arrears (discovered via the certidão), mortgage stamp duty (0.6% on a loan of five years or more). Properties in an urban rehabilitation area (ARU) can qualify for IMT incentives on conditions; they are not modelled here. Our buying guide breaks down the full cost stack.
The complete Madeira buying guide
NIF to escritura in 17 steps. Where IMT sits in the process, when it's paid, what triggers the escritura block if it isn't.
Read the guideDue-diligence checklist
After IMT, the actual cost of a Madeira purchase comes down to what your lawyer checks before you sign the CPCV. This is the full list.
Get the checklist