Affordable rent · RSAA
Affordable rent in Penacova: RSAA rent ceilings
Under the RSAA, the monthly rent in Penacova cannot exceed €280 for a T0, €392 for a T1, €504 for a T2 or €587 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: User:Dantadd · CC BY-SA 2.5 · Wikimedia Commons
Key figures
Monthly ceilings in Penacova
The T2 ceiling ranks 102nd highest of 308 municipalities and 5th of 17 in the Coimbra district. The same ceilings apply to Alandroal, Alpiarça, Alvaiázere, Alvito, Arouca, Barrancos and 35 more.
- T0, maximum rent per month
- €280
- T1, maximum rent per month
- €392
- T2, maximum rent per month
- €504
- T3, maximum rent per month
- €587
Simulator
Work out the ceiling for your property
The ceilings
Rent ceilings by size in Penacova
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €280 | €308 | €308 | €336 |
| T1 | €392 | €431.20 | €431.20 | €470.40 |
| T2 | €504 | €554.40 | €554.40 | €604.80 |
| T3 | €587 | €645.70 | €645.70 | €704.40 |
| T4 | €671 | €738.10 | €738.10 | €805.20 |
| T5 | €755 | €830.50 | €830.50 | €906 |
Cumulative uplifts (art. 2(4)). Above T5, add €50 per bedroom beyond the fifth: a T6 has a ceiling of €805.
The ceiling against the Penacova market
The T2 ceiling (€504) is 40% above the market estimate: a typical T2 fits under the ceiling, with €144 to spare. The quartiles of the T2 estimate run from €275 to €505: 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 | 392 | 270 | +45 % | 8.17 | 5.63 |
| T2 · 85 m² | 504 | 360 | +40 % | 5.93 | 4.24 |
| T3 · 115 m² | 587 | 370 | +59 % | 5.10 | 3.22 |
Aluseg estimate, not an official figure: INE median of €4.17/m² (2025, 50 new leases) × INE size ratio for Região de Coimbra × reference floor area. See the Penacova rental market.
The ceiling against income in Penacova
A person on the median income in Penacova receives €951 a month after income tax (INE, 2024). The T2 ceiling (€504) takes 53 % of that income, against 38 % for the market rent (€360). For a couple on two median incomes, 26 % against 19 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Penacova?
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 Penacova
A T2 in Penacova 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 | 280 | 3,360 | 840 | 336 | 0 |
| T1 | 392 | 4,704 | 1,176 | 470.40 | 0 |
| T2 | 504 | 6,048 | 1,512 | 604.80 | 0 |
| T3 | 587 | 7,044 | 1,761 | 704.40 | 0 |
| T4 | 671 | 8,052 | 2,013 | 805.20 | 0 |
| T5 | 755 | 9,060 | 2,265 | 906 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in the Coimbra district
Penacova has the 5th 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: Penacova is 6% above 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 Penacova
What is the maximum rent for a T2 in Penacova 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 Penacova above or below the market rent?
It is 40% above the Aluseg estimate for an 85 m² T2, about €360 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.