Affordable rent · RSAA
Affordable rent in Arganil: RSAA rent ceilings
Under the RSAA, the monthly rent in Arganil cannot exceed €224 for a T0, €308 for a T1, €392 for a T2 or €475 for a T3. In return, the rent is exempt from IRS.
- Official source: Diário da República
- Portaria n.º 454/2026/1
- Data of 22 October 2026
Photo: Zezinhaa · CC BY-SA 4.0 · Wikimedia Commons
Key figures
Monthly ceilings in Arganil
The T2 ceiling ranks 199th highest of 308 municipalities and 14th of 17 in the Coimbra district. The same ceilings apply to Aguiar da Beira, Alcanena, Alfândega da Fé, Alijó, Almeida, Alter do Chão and 90 more.
- T0, maximum rent per month
- €224
- T1, maximum rent per month
- €308
- T2, maximum rent per month
- €392
- T3, maximum rent per month
- €475
Simulator
Work out the ceiling for your property
The ceilings
Rent ceilings by size in Arganil
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €224 | €246.40 | €246.40 | €268.80 |
| T1 | €308 | €338.80 | €338.80 | €369.60 |
| T2 | €392 | €431.20 | €431.20 | €470.40 |
| T3 | €475 | €522.50 | €522.50 | €570 |
| T4 | €531 | €584.10 | €584.10 | €637.20 |
| T5 | €587 | €645.70 | €645.70 | €704.40 |
Cumulative uplifts (art. 2(4)). Above T5, add €50 per bedroom beyond the fifth: a T6 has a ceiling of €637.
The ceiling against the Arganil market
The T2 ceiling (€392) is in line with the market estimate. The quartiles of the T2 estimate run from €305 to €530: the ceiling sits between the 1st quartile and the median. With private parking and class A or A+, the T2 ceiling rises to €470.40 and covers the estimate.
| Size | RSAA ceiling (€/month) | Market est. (€/month) | Difference | Ceiling (€/m²) | Market (€/m²) |
|---|---|---|---|---|---|
| T1 · 48 m² | 308 | 300 | +3 % | 6.42 | 6.25 |
| T2 · 85 m² | 392 | 395 | −1 % | 4.61 | 4.65 |
| T3 · 115 m² | 475 | 405 | +17 % | 4.13 | 3.52 |
Aluseg estimate, not an official figure: INE median of €4.56/m² (2025, 119 new leases) × INE size ratio for Região de Coimbra × reference floor area. See the Arganil rental market.
The ceiling against income in Arganil
A person on the median income in Arganil receives €939 a month after income tax (INE, 2024). The T2 ceiling (€392) takes 42 % of that income, against 42 % for the market rent (€395). For a couple on two median incomes, 21 % against 21 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Arganil?
Ask the landlord whether the lease will be in the RSAA (they file it with the IHRU, art. 6) and check the advert: up to €308 for a T1, €392 for a T2.
IRS saved at the ceiling in Arganil
A T2 in Arganil let at the ceiling earns €4,704 a year. Outside the RSAA, IRS on that gross rent would reach €1,176 (25% rate) or €470.40 (10% rate, for rents up to €2,300 a month). Under the RSAA, the tax is €0.
| Size | Rent at the ceiling (€/month) | Rent per year (€) | IRS at 25% (€/year) | IRS at 10% (€/year) | IRS under the RSAA (€/year) |
|---|---|---|---|---|---|
| T0 | 224 | 2,688 | 672 | 268.80 | 0 |
| T1 | 308 | 3,696 | 924 | 369.60 | 0 |
| T2 | 392 | 4,704 | 1,176 | 470.40 | 0 |
| T3 | 475 | 5,700 | 1,425 | 570 | 0 |
| T4 | 531 | 6,372 | 1,593 | 637.20 | 0 |
| T5 | 587 | 7,044 | 1,761 | 704.40 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in the Coimbra district
Arganil has the 14th highest T2 ceiling of 17 municipalities in the Coimbra district. The highest is Coimbra (€711) and the lowest is Vila Nova de Poiares (€392). The district median is €475: Arganil is 17% below the median.
| Municipality | T0 (€/month) | T1 (€/month) | T2 (€/month) | T3 (€/month) | T2 market, est. (€/month) | Difference |
|---|---|---|---|---|---|---|
| Coimbra | 426 | 546 | 711 | 875 | 770 | −8 % |
| Figueira da Foz | 365 | 467 | 608 | 749 | 675 | −10 % |
| Góis | 342 | 438 | 570 | 702 | – | – |
| Pampilhosa da Serra | 342 | 438 | 570 | 702 | – | – |
| Penacova | 280 | 392 | 504 | 587 | 360 | +40 % |
| Penela | 280 | 392 | 504 | 587 | 435 | +16 % |
| Montemor-o-Velho | 289 | 370 | 481 | 592 | 545 | −12 % |
| Condeixa-a-Nova | 287 | 367 | 478 | 589 | 505 | −5 % |
| Mira | 285 | 365 | 475 | 585 | 490 | −3 % |
| Miranda do Corvo | 285 | 365 | 475 | 585 | 540 | −12 % |
| Cantanhede | 268 | 343 | 447 | 550 | 490 | −9 % |
| Soure | 254 | 326 | 424 | 522 | 485 | −13 % |
| Lousã | 245 | 314 | 408 | 503 | 460 | −11 % |
| Arganil | 224 | 308 | 392 | 475 | 395 | −1 % |
| Oliveira do Hospital | 224 | 308 | 392 | 475 | 355 | +10 % |
| Tábua | 224 | 308 | 392 | 475 | 405 | −3 % |
| Vila Nova de Poiares | 224 | 308 | 392 | 475 | 410 | −4 % |
From the highest T2 ceiling to the lowest. Market: Aluseg estimate from INE data; – = no data.
Rent under the RSAA with everything in order
Lease, Tax Authority and rent receipts in a free account.
FAQ: affordable rent in Arganil
What is the maximum rent for a T2 in Arganil under the RSAA?
€392 a month, the 199th highest ceiling in the country. With private parking or an energy certificate of A or A+ it rises to €431.20; with both, to €470.40.
Is the T2 ceiling in Arganil above or below the market rent?
It is in line with the Aluseg estimate for an 85 m² T2, about €395 a month (INE, 2025).
How do I get the IRS exemption?
Report the lease to the Tax Authority and file it with the IHRU by 15 January of the following year. See the RSAA guide.
What if the rent goes over the ceiling?
The exemption is lost from the breach and the tax is settled with compensatory interest (art. 7 of annex III).
Sources and methodology
Source: Portaria n.º 454/2026/1, de 13 de outubro (PDF) and Decree-Law 97/2026, annex III, read on 22 October 2026. Uplifts calculated by us (art. 2(4)). For information only, not legal or tax advice.