Affordable rent · RSAA
Affordable rent in Caminha: RSAA rent ceilings
Under the RSAA, the monthly rent in Caminha cannot exceed €301 for a T0, €392 for a T1, €504 for a T2 or €619 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: Norberto Ortiz · CC0 · Wikimedia Commons
Key figures
Monthly ceilings in Caminha
The T2 ceiling ranks 102nd highest of 308 municipalities and 2nd of 10 in the Viana do Castelo district.
- T0, maximum rent per month
- €301
- T1, maximum rent per month
- €392
- T2, maximum rent per month
- €504
- T3, maximum rent per month
- €619
Simulator
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The ceilings
Rent ceilings by size in Caminha
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €301 | €331.10 | €331.10 | €361.20 |
| T1 | €392 | €431.20 | €431.20 | €470.40 |
| T2 | €504 | €554.40 | €554.40 | €604.80 |
| T3 | €619 | €680.90 | €680.90 | €742.80 |
| T4 | €677 | €744.70 | €744.70 | €812.40 |
| T5 | €793 | €872.30 | €872.30 | €951.60 |
Cumulative uplifts (art. 2(4)). Above T5, add €50 per bedroom beyond the fifth: a T6 has a ceiling of €843.
The ceiling against the Caminha market
The T2 ceiling (€504) is 5% below the market estimate: letting at the ceiling costs the landlord about €26 a month. The quartiles of the T2 estimate run from €385 to €700: the ceiling sits between the 1st quartile and the median. With private parking and class A or A+, the T2 ceiling rises to €604.80 and covers the estimate.
| Size | RSAA ceiling (€/month) | Market est. (€/month) | Difference | Ceiling (€/m²) | Market (€/m²) |
|---|---|---|---|---|---|
| T1 · 48 m² | 392 | 400 | −2 % | 8.17 | 8.33 |
| T2 · 85 m² | 504 | 530 | −5 % | 5.93 | 6.24 |
| T3 · 115 m² | 619 | 585 | +6 % | 5.38 | 5.09 |
Aluseg estimate, not an official figure: INE median of €6.12/m² (2025, 255 new leases) × INE size ratio for Alto Minho × reference floor area. See the Caminha rental market.
The ceiling against income in Caminha
A person on the median income in Caminha receives €957 a month after income tax (INE, 2024). The T2 ceiling (€504) takes 53 % of that income, against 55 % for the market rent (€530). For a couple on two median incomes, 26 % against 28 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Caminha?
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 €392 for a T1, €504 for a T2.
IRS saved at the ceiling in Caminha
A T2 in Caminha let at the ceiling earns €6,048 a year. Outside the RSAA, IRS on that gross rent would reach €1,512 (25% rate) or €604.80 (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 | 301 | 3,612 | 903 | 361.20 | 0 |
| T1 | 392 | 4,704 | 1,176 | 470.40 | 0 |
| T2 | 504 | 6,048 | 1,512 | 604.80 | 0 |
| T3 | 619 | 7,428 | 1,857 | 742.80 | 0 |
| T4 | 677 | 8,124 | 2,031 | 812.40 | 0 |
| T5 | 793 | 9,516 | 2,379 | 951.60 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in the Viana do Castelo district
Caminha has the 2nd highest T2 ceiling of 10 municipalities in the Viana do Castelo district. The highest is Viana do Castelo (€583) and the lowest is Vila Nova de Cerveira (€392). The district median is €404.50: Caminha is 25% above the median.
| Municipality | T0 (€/month) | T1 (€/month) | T2 (€/month) | T3 (€/month) | T2 market, est. (€/month) | Difference |
|---|---|---|---|---|---|---|
| Viana do Castelo | 350 | 448 | 583 | 718 | 650 | −10 % |
| Caminha | 301 | 392 | 504 | 619 | 530 | −5 % |
| Monção | 295 | 378 | 492 | 606 | 545 | −10 % |
| Ponte de Lima | 274 | 350 | 456 | 562 | 510 | −11 % |
| Valença | 250 | 321 | 417 | 514 | 470 | −11 % |
| Arcos de Valdevez | 230 | 308 | 392 | 475 | 435 | −10 % |
| Melgaço | 224 | 308 | 392 | 475 | 365 | +7 % |
| Paredes de Coura | 224 | 308 | 392 | 475 | 395 | −1 % |
| Ponte da Barca | 224 | 308 | 392 | 475 | 370 | +6 % |
| Vila Nova de Cerveira | 224 | 308 | 392 | 475 | 405 | −3 % |
From the highest T2 ceiling to the lowest. Market: Aluseg estimate from INE data; – = no data.
Keep exploring
Rent under the RSAA with everything in order
Lease, Tax Authority and rent receipts in a free account.
FAQ: affordable rent in Caminha
What is the maximum rent for a T2 in Caminha under the RSAA?
€504 a month, the 102nd highest ceiling in the country. With private parking or an energy certificate of A or A+ it rises to €554.40; with both, to €604.80.
Is the T2 ceiling in Caminha above or below the market rent?
It is 5% below the Aluseg estimate for an 85 m² T2, about €530 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.