Affordable rent · RSAA
Affordable rent in Santo Tirso: RSAA rent ceilings
Under the RSAA, the monthly rent in Santo Tirso cannot exceed €278 for a T0, €356 for a T1, €463 for a T2 or €570 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: Krzysztof Golik · CC BY-SA 4.0 · Wikimedia Commons
Key figures
Monthly ceilings in Santo Tirso
The T2 ceiling ranks 163rd highest of 308 municipalities and 10th of 18 in the Porto district. The same ceilings apply to Covilhã.
- T0, maximum rent per month
- €278
- T1, maximum rent per month
- €356
- T2, maximum rent per month
- €463
- T3, maximum rent per month
- €570
Simulator
Work out the ceiling for your property
The ceilings
Rent ceilings by size in Santo Tirso
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €278 | €305.80 | €305.80 | €333.60 |
| T1 | €356 | €391.60 | €391.60 | €427.20 |
| T2 | €463 | €509.30 | €509.30 | €555.60 |
| T3 | €570 | €627 | €627 | €684 |
| T4 | €624 | €686.40 | €686.40 | €748.80 |
| T5 | €731 | €804.10 | €804.10 | €877.20 |
Cumulative uplifts (art. 2(4)). Above T5, add €50 per bedroom beyond the fifth: a T6 has a ceiling of €781.
The ceiling against the Santo Tirso market
The T2 ceiling (€463) is in line with the market estimate. The quartiles of the T2 estimate run from €305 to €665: 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 | 356 | 390 | −9 % | 7.42 | 8.13 |
| T2 · 85 m² | 463 | 460 | +1 % | 5.45 | 5.41 |
| T3 · 115 m² | 570 | 535 | +7 % | 4.96 | 4.65 |
Aluseg estimate, not an official figure: INE median of €6.06/m² (2025, 527 new leases) × INE size ratio for Área Metropolitana do Porto × reference floor area. See the Santo Tirso rental market.
The ceiling against income in Santo Tirso
A person on the median income in Santo Tirso receives €974 a month after income tax (INE, 2024). The T2 ceiling (€463) takes 48 % of that income, against 48 % for the market rent (€460). For a couple on two median incomes, 24 % against 24 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Santo Tirso?
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 €356 for a T1, €463 for a T2.
IRS saved at the ceiling in Santo Tirso
A T2 in Santo Tirso let at the ceiling earns €5,556 a year. Outside the RSAA, IRS on that gross rent would reach €1,389 (25% rate) or €555.60 (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 | 278 | 3,336 | 834 | 333.60 | 0 |
| T1 | 356 | 4,272 | 1,068 | 427.20 | 0 |
| T2 | 463 | 5,556 | 1,389 | 555.60 | 0 |
| T3 | 570 | 6,840 | 1,710 | 684 | 0 |
| T4 | 624 | 7,488 | 1,872 | 748.80 | 0 |
| T5 | 731 | 8,772 | 2,193 | 877.20 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in the Porto district
Santo Tirso has the 10th highest T2 ceiling of 18 municipalities in the Porto district. The highest is Porto (€1,118) and the lowest is Marco de Canaveses (€392). The district median is €512.50: Santo Tirso is 10% below the median.
| Municipality | T0 (€/month) | T1 (€/month) | T2 (€/month) | T3 (€/month) | T2 market, est. (€/month) | Difference |
|---|---|---|---|---|---|---|
| Porto | 652 | 866 | 1,118 | 1,341 | 1,065 | +5 % |
| Matosinhos | 556 | 712 | 927 | 1,142 | 940 | −1 % |
| Vila Nova de Gaia | 491 | 629 | 819 | 1,008 | 835 | −2 % |
| Maia | 443 | 567 | 738 | 909 | 765 | −4 % |
| Gondomar | 402 | 531 | 671 | 826 | 725 | −7 % |
| Póvoa de Varzim | 400 | 531 | 671 | 822 | 665 | +1 % |
| Valongo | 376 | 531 | 671 | 784 | 615 | +9 % |
| Vila do Conde | 385 | 493 | 641 | 790 | 615 | +4 % |
| Trofa | 337 | 432 | 562 | 693 | 540 | +4 % |
| Santo Tirso | 278 | 356 | 463 | 570 | 460 | +1 % |
| Paredes | 265 | 339 | 442 | 544 | 435 | +2 % |
| Penafiel | 256 | 328 | 427 | 526 | 510 | −16 % |
| Paços de Ferreira | 256 | 328 | 426 | 525 | 490 | −13 % |
| Amarante | 224 | 308 | 392 | 475 | 405 | −3 % |
| Baião | 224 | 308 | 392 | 475 | 355 | +10 % |
| Felgueiras | 224 | 308 | 392 | 475 | 390 | +1 % |
| Lousada | 224 | 308 | 392 | 475 | 440 | −11 % |
| Marco de Canaveses | 224 | 308 | 392 | 475 | 420 | −7 % |
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 Santo Tirso
What is the maximum rent for a T2 in Santo Tirso under the RSAA?
€463 a month, the 163rd highest ceiling in the country. With private parking or an energy certificate of A or A+ it rises to €509.30; with both, to €555.60.
Is the T2 ceiling in Santo Tirso above or below the market rent?
It is in line with the Aluseg estimate for an 85 m² T2, about €460 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.