Affordable rent · RSAA
Affordable rent in Câmara de Lobos: RSAA rent ceilings
Under the RSAA, the monthly rent in Câmara de Lobos cannot exceed €365 for a T0, €467 for a T1, €608 for a T2 or €749 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: Diego Delso · CC BY-SA 4.0 · Wikimedia Commons
Key figures
Monthly ceilings in Câmara de Lobos
The T2 ceiling ranks 67th highest of 308 municipalities and 10th of 11 in Madeira. The same ceilings apply to Figueira da Foz.
- T0, maximum rent per month
- €365
- T1, maximum rent per month
- €467
- T2, maximum rent per month
- €608
- T3, maximum rent per month
- €749
Simulator
Work out the ceiling for your property
The ceilings
Rent ceilings by size in Câmara de Lobos
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €365 | €401.50 | €401.50 | €438 |
| T1 | €467 | €513.70 | €513.70 | €560.40 |
| T2 | €608 | €668.80 | €668.80 | €729.60 |
| T3 | €749 | €823.90 | €823.90 | €898.80 |
| T4 | €819 | €900.90 | €900.90 | €982.80 |
| T5 | €960 | €1,056 | €1,056 | €1,152 |
Cumulative uplifts (art. 2(4)). Above T5, add €50 per bedroom beyond the fifth: a T6 has a ceiling of €1,010.
The ceiling against the Câmara de Lobos market
The T2 ceiling (€608) is in line with the market estimate. The quartiles of the T2 estimate run from €390 to €885: the ceiling sits between the median and the 3rd quartile.
| Size | RSAA ceiling (€/month) | Market est. (€/month) | Difference | Ceiling (€/m²) | Market (€/m²) |
|---|---|---|---|---|---|
| T1 · 48 m² | 467 | 420 | +11 % | 9.73 | 8.75 |
| T2 · 85 m² | 608 | 600 | +1 % | 7.15 | 7.06 |
| T3 · 115 m² | 749 | 620 | +21 % | 6.51 | 5.39 |
Aluseg estimate, not an official figure: INE median of €7.19/m² (2025, 103 new leases) × INE size ratio for Região Autónoma da Madeira × reference floor area. See the Câmara de Lobos rental market.
The ceiling against income in Câmara de Lobos
A person on the median income in Câmara de Lobos receives €960 a month after income tax (INE, 2024). The T2 ceiling (€608) takes 63 % of that income, against 63 % for the market rent (€600). For a couple on two median incomes, 32 % against 31 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Câmara de Lobos?
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 €467 for a T1, €608 for a T2.
IRS saved at the ceiling in Câmara de Lobos
A T2 in Câmara de Lobos let at the ceiling earns €7,296 a year. Outside the RSAA, IRS on that gross rent would reach €1,824 (25% rate) or €729.60 (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 | 365 | 4,380 | 1,095 | 438 | 0 |
| T1 | 467 | 5,604 | 1,401 | 560.40 | 0 |
| T2 | 608 | 7,296 | 1,824 | 729.60 | 0 |
| T3 | 749 | 8,988 | 2,247 | 898.80 | 0 |
| T4 | 819 | 9,828 | 2,457 | 982.80 | 0 |
| T5 | 960 | 11,520 | 2,880 | 1,152 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in Madeira
Câmara de Lobos has the 10th highest T2 ceiling of 11 municipalities in Madeira. The highest is Funchal (€1,034) and the lowest is Calheta (€504). The district median is €898: Câmara de Lobos is 32% below the median.
| Municipality | T0 (€/month) | T1 (€/month) | T2 (€/month) | T3 (€/month) | T2 market, est. (€/month) | Difference |
|---|---|---|---|---|---|---|
| Funchal | 620 | 794 | 1,034 | 1,273 | 1,090 | −5 % |
| Ponta do Sol | 539 | 690 | 898 | 1,106 | – | – |
| Porto Moniz | 539 | 690 | 898 | 1,106 | – | – |
| Porto Santo | 539 | 690 | 898 | 1,106 | 730 | +23 % |
| Ribeira Brava | 539 | 690 | 898 | 1,106 | 510 | +76 % |
| Santana | 539 | 690 | 898 | 1,106 | – | – |
| São Vicente | 539 | 690 | 898 | 1,106 | – | – |
| Santa Cruz | 486 | 623 | 810 | 998 | 875 | −7 % |
| Machico | 364 | 531 | 671 | 784 | 495 | +36 % |
| Câmara de Lobos | 365 | 467 | 608 | 749 | 600 | +1 % |
| Calheta | 280 | 392 | 504 | 587 | 535 | −6 % |
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 Câmara de Lobos
What is the maximum rent for a T2 in Câmara de Lobos under the RSAA?
€608 a month, the 67th highest ceiling in the country. With private parking or an energy certificate of A or A+ it rises to €668.80; with both, to €729.60.
Is the T2 ceiling in Câmara de Lobos above or below the market rent?
It is in line with the Aluseg estimate for an 85 m² T2, about €600 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.