What does it really cost to move to Portugal?

Moving to Portugal costs money. How much exactly depends on the choices you make.

In this blog, we outline the main cost categories. No vague guesses, just a clear breakdown of what you should prepare for.

Housing: Rent, Buy, or Temporary Stay?

Buying a house outside the city is often more affordable than in the Netherlands. But additional costs can add up:

* Property transfer tax (IMT)

* Notary and legal fees

* Registration costs

Rental prices for a family start around €700 per month.

Want to rent something short-term for orientation—just a few months? Renting a holiday home outside the summer season (June–September) might be an option. Some owners are open to longer stays at reduced rates.

Paperwork & Preparation

Even before you officially rent or buy, you’ll need to take care of:

* Applying for a NIF (Portuguese tax number)

* Opening a Portuguese bank account

* Possible translation of documents

* Administrative fees for registrations

Add to this any costs for professional guidance, scheduling, and admin if you outsource these tasks.

Moving & Transport

What you bring with you greatly influences the cost:

* Moving costs range from €2,500 to €10,000

* Bringing a car? Consider taxes, import duties, and inspection fees

* Bringing pets also costs extra (vaccinations, microchips, transport)

Income & Getting Started

No job upon arrival? Expect to need a financial buffer for the first few months.

Do you already have a job or business? Then you'll face:

* Registration with Finanças (tax office)

* Accounting fees

* Potential business permits

It’s wise to budget for a 3 to 6 month buffer just in case.

Healthcare & Insurance

Until you’re registered in the public system (SNS), you’ll need insurance.

* Private health insurance: €50 to €200 per month

* International insurance is usually more expensive, but offers broader coverage

* Dental and pediatric care aren’t always included

If you continue your work or business from the Netherlands, register with the SVB for a WLZ assessment. This may allow you to keep your Dutch health insurance temporarily.

Don’t Forget: Unexpected Costs

Things rarely go exactly as planned.

A delayed purchase, extra hotel stays, or emergency help…

Set aside at least 10% extra budget for surprises—it’ll save you a lot of stress.

Want to know what your move might cost?

At PortuVistas, we think along with you and help clarify what’s essential—and what you can skip.

📍 Book a free introduction call at portuvistas.com