Affordable rent · RSAA
Affordable rent in Lagoa: RSAA rent ceilings
Under the RSAA, the monthly rent in Lagoa cannot exceed €456 for a T0, €584 for a T1, €760 for a T2 or €936 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: Vitor Oliveira from Torres Vedras, PORTUGAL · CC BY-SA 2.0 · Wikimedia Commons
Key figures
Monthly ceilings in Lagoa
The T2 ceiling ranks 38th highest of 308 municipalities and 8th of 16 in the Faro district.
- T0, maximum rent per month
- €456
- T1, maximum rent per month
- €584
- T2, maximum rent per month
- €760
- T3, maximum rent per month
- €936
Simulator
Work out the ceiling for your property
The ceilings
Rent ceilings by size in Lagoa
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €456 | €501.60 | €501.60 | €547.20 |
| T1 | €584 | €642.40 | €642.40 | €700.80 |
| T2 | €760 | €836 | €836 | €912 |
| T3 | €936 | €1,029.60 | €1,029.60 | €1,123.20 |
| T4 | €1,024 | €1,126.40 | €1,126.40 | €1,228.80 |
| T5 | €1,200 | €1,320 | €1,320 | €1,440 |
Cumulative uplifts (art. 2(4)). Above T5, add €75 per bedroom beyond the fifth: a T6 has a ceiling of €1,275.
The ceiling against the Lagoa market
The T2 ceiling (€760) is in line with the market estimate. The quartiles of the T2 estimate run from €510 to €1,090: 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 | 584 | 545 | +7 % | 12.17 | 11.35 |
| T2 · 85 m² | 760 | 760 | 0 % | 8.94 | 8.94 |
| T3 · 115 m² | 936 | 885 | +6 % | 8.14 | 7.70 |
Aluseg estimate, not an official figure: INE median of €9.39/m² (2025, 312 new leases) × INE size ratio for Algarve × reference floor area. See the Lagoa rental market.
The ceiling against income in Lagoa
A person on the median income in Lagoa receives €994 a month after income tax (INE, 2024). The T2 ceiling (€760) takes 76 % of that income, against 76 % for the market rent (€760). For a couple on two median incomes, 38 % against 38 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Lagoa?
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 €584 for a T1, €760 for a T2.
IRS saved at the ceiling in Lagoa
A T2 in Lagoa let at the ceiling earns €9,120 a year. Outside the RSAA, IRS on that gross rent would reach €2,280 (25% rate) or €912 (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 | 456 | 5,472 | 1,368 | 547.20 | 0 |
| T1 | 584 | 7,008 | 1,752 | 700.80 | 0 |
| T2 | 760 | 9,120 | 2,280 | 912 | 0 |
| T3 | 936 | 11,232 | 2,808 | 1,123.20 | 0 |
| T4 | 1,024 | 12,288 | 3,072 | 1,228.80 | 0 |
| T5 | 1,200 | 14,400 | 3,600 | 1,440 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in the Faro district
Lagoa has the 8th highest T2 ceiling of 16 municipalities in the Faro district. The highest is Albufeira (€923) and the lowest is São Brás de Alportel (€526). The district median is €752.50: Lagoa is in line with the median.
| Municipality | T0 (€/month) | T1 (€/month) | T2 (€/month) | T3 (€/month) | T2 market, est. (€/month) | Difference |
|---|---|---|---|---|---|---|
| Albufeira | 554 | 709 | 923 | 1,136 | 925 | 0 % |
| Loulé | 550 | 704 | 917 | 1,129 | 965 | −5 % |
| Lagos | 547 | 701 | 912 | 1,123 | 1,000 | −9 % |
| Portimão | 530 | 679 | 883 | 1,088 | 920 | −4 % |
| Tavira | 521 | 671 | 868 | 1,069 | 910 | −5 % |
| Vila Real de Santo António | 448 | 671 | 866 | 1,034 | 770 | +12 % |
| Alcoutim | 488 | 625 | 814 | 1,002 | – | – |
| Lagoa | 456 | 584 | 760 | 936 | 760 | 0 % |
| Faro | 447 | 572 | 745 | 917 | 780 | −4 % |
| Silves | 444 | 568 | 739 | 911 | 750 | −1 % |
| Vila do Bispo | 421 | 539 | 701 | 864 | 720 | −3 % |
| Aljezur | 384 | 531 | 671 | 788 | 630 | +7 % |
| Castro Marim | 378 | 531 | 671 | 784 | 695 | −3 % |
| Monchique | 364 | 531 | 671 | 784 | 605 | +11 % |
| Olhão | 394 | 531 | 671 | 810 | 685 | −2 % |
| São Brás de Alportel | 316 | 404 | 526 | 648 | 580 | −9 % |
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 Lagoa
What is the maximum rent for a T2 in Lagoa under the RSAA?
€760 a month, the 38th highest ceiling in the country. With private parking or an energy certificate of A or A+ it rises to €836; with both, to €912.
Is the T2 ceiling in Lagoa above or below the market rent?
It is in line with the Aluseg estimate for an 85 m² T2, about €760 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.