Affordable rent · RSAA
Affordable rent in Loures: RSAA rent ceilings
Under the RSAA, the monthly rent in Loures cannot exceed €538 for a T0, €689 for a T1, €896 for a T2 or €1,104 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 Loures
The T2 ceiling ranks 20th highest of 308 municipalities and 6th of 16 in the Lisbon district.
- T0, maximum rent per month
- €538
- T1, maximum rent per month
- €689
- T2, maximum rent per month
- €896
- T3, maximum rent per month
- €1,104
Simulator
Work out the ceiling for your property
The ceilings
Rent ceilings by size in Loures
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €538 | €591.80 | €591.80 | €645.60 |
| T1 | €689 | €757.90 | €757.90 | €826.80 |
| T2 | €896 | €985.60 | €985.60 | €1,075.20 |
| T3 | €1,104 | €1,214.40 | €1,214.40 | €1,324.80 |
| T4 | €1,207 | €1,327.70 | €1,327.70 | €1,448.40 |
| T5 | €1,415 | €1,556.50 | €1,556.50 | €1,698 |
Cumulative uplifts (art. 2(4)). Above T5, add €100 per bedroom beyond the fifth: a T6 has a ceiling of €1,515.
The ceiling against the Loures market
The T2 ceiling (€896) is 7% below the market estimate: letting at the ceiling costs the landlord about €64 a month. The quartiles of the T2 estimate run from €700 to €1,225: the ceiling sits between the 1st quartile and the median. With private parking and class A or A+, the T2 ceiling rises to €1,075.20 and covers the estimate.
| Size | RSAA ceiling (€/month) | Market est. (€/month) | Difference | Ceiling (€/m²) | Market (€/m²) |
|---|---|---|---|---|---|
| T1 · 48 m² | 689 | 640 | +8 % | 14.35 | 13.33 |
| T2 · 85 m² | 896 | 960 | −7 % | 10.54 | 11.29 |
| T3 · 115 m² | 1,104 | 1,280 | −14 % | 9.60 | 11.13 |
| T4+ · 145 m² | 1,207 | 1,370 | −12 % | 8.32 | 9.45 |
Aluseg estimate, not an official figure: INE median of €11.58/m² (2025, 3,201 new leases) × INE size ratio of the municipality itself × reference floor area. See the Loures rental market.
The ceiling against income in Loures
A person on the median income in Loures receives €1,079 a month after income tax (INE, 2024). The T2 ceiling (€896) takes 83 % of that income, against 89 % for the market rent (€960). For a couple on two median incomes, 42 % against 45 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Loures?
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 €689 for a T1, €896 for a T2.
Municipal programme
Habitação +35 (Programa Habitação +35 em Loures)
A non-refundable monthly grant, for 12 months and calculated as a percentage of the rent, for households renting a permanent home in Loures with at least one member aged 35 or over and a limited income.
Information checked on 22/10/2026 on the official website: see the official page.
IRS saved at the ceiling in Loures
A T2 in Loures let at the ceiling earns €10,752 a year. Outside the RSAA, IRS on that gross rent would reach €2,688 (25% rate) or €1,075.20 (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 | 538 | 6,456 | 1,614 | 645.60 | 0 |
| T1 | 689 | 8,268 | 2,067 | 826.80 | 0 |
| T2 | 896 | 10,752 | 2,688 | 1,075.20 | 0 |
| T3 | 1,104 | 13,248 | 3,312 | 1,324.80 | 0 |
| T4 | 1,207 | 14,484 | 3,621 | 1,448.40 | 0 |
| T5 | 1,415 | 16,980 | 4,245 | 1,698 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in the Lisbon district
Loures has the 6th highest T2 ceiling of 16 municipalities in the Lisbon district. The highest is Lisbon (€1,309) and the lowest is Cadaval (€456). The district median is €817.50: Loures is 10% above the median.
| Municipality | T0 (€/month) | T1 (€/month) | T2 (€/month) | T3 (€/month) | T2 market, est. (€/month) | Difference |
|---|---|---|---|---|---|---|
| Lisbon | 785 | 1,006 | 1,309 | 1,612 | 1,420 | −8 % |
| Cascais | 752 | 964 | 1,254 | 1,544 | 1,345 | −7 % |
| Oeiras | 703 | 901 | 1,172 | 1,443 | 1,220 | −4 % |
| Amadora | 593 | 759 | 988 | 1,217 | 1,040 | −5 % |
| Odivelas | 581 | 745 | 969 | 1,193 | 1,065 | −9 % |
| Loures | 538 | 689 | 896 | 1,104 | 960 | −7 % |
| Sintra | 514 | 671 | 866 | 1,056 | 940 | −8 % |
| Vila Franca de Xira | 491 | 629 | 819 | 1,008 | 925 | −11 % |
| Mafra | 490 | 627 | 816 | 1,005 | 860 | −5 % |
| Arruda dos Vinhos | 364 | 531 | 671 | 784 | 645 | +4 % |
| Torres Vedras | 393 | 531 | 671 | 806 | 735 | −9 % |
| Alenquer | 394 | 505 | 657 | 810 | 735 | −11 % |
| Azambuja | 353 | 453 | 589 | 725 | 675 | −13 % |
| Sobral de Monte Agraço | 336 | 430 | 559 | 689 | 655 | −15 % |
| Lourinhã | 328 | 420 | 546 | 673 | 630 | −13 % |
| Cadaval | 274 | 350 | 456 | 562 | 505 | −10 % |
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 Loures
What is the maximum rent for a T2 in Loures under the RSAA?
€896 a month, the 20th highest ceiling in the country. With private parking or an energy certificate of A or A+ it rises to €985.60; with both, to €1,075.20.
Is the T2 ceiling in Loures above or below the market rent?
It is 7% below the Aluseg estimate for an 85 m² T2, about €960 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.