Affordable rent · RSAA
Affordable rent in Setúbal: RSAA rent ceilings
Under the RSAA, the monthly rent in Setúbal cannot exceed €507 for a T0, €649 for a T1, €844 for a T2 or €1,040 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: Diego Delso · CC BY-SA 3.0 · Wikimedia Commons
Key figures
Monthly ceilings in Setúbal
The T2 ceiling ranks 27th highest of 308 municipalities and 5th of 13 in the Setúbal district.
- T0, maximum rent per month
- €507
- T1, maximum rent per month
- €649
- T2, maximum rent per month
- €844
- T3, maximum rent per month
- €1,040
Simulator
Work out the ceiling for your property
The ceilings
Rent ceilings by size in Setúbal
| Size | Ceiling | +10% parking | +10% class A or A+ | +20% both |
|---|---|---|---|---|
| T0 | €507 | €557.70 | €557.70 | €608.40 |
| T1 | €649 | €713.90 | €713.90 | €778.80 |
| T2 | €844 | €928.40 | €928.40 | €1,012.80 |
| T3 | €1,040 | €1,144 | €1,144 | €1,248 |
| T4 | €1,138 | €1,251.80 | €1,251.80 | €1,365.60 |
| T5 | €1,333 | €1,466.30 | €1,466.30 | €1,599.60 |
Cumulative uplifts (art. 2(4)). Above T5, add €75 per bedroom beyond the fifth: a T6 has a ceiling of €1,408.
The ceiling against the Setúbal market
The T2 ceiling (€844) is 9% below the market estimate: letting at the ceiling costs the landlord about €81 a month. The quartiles of the T2 estimate run from €700 to €1,135: the ceiling sits between the 1st quartile and the median. With private parking and class A or A+, the T2 ceiling rises to €1,012.80 and covers the estimate.
| Size | RSAA ceiling (€/month) | Market est. (€/month) | Difference | Ceiling (€/m²) | Market (€/m²) |
|---|---|---|---|---|---|
| T1 · 48 m² | 649 | 635 | +2 % | 13.52 | 13.23 |
| T2 · 85 m² | 844 | 925 | −9 % | 9.93 | 10.88 |
| T3 · 115 m² | 1,040 | 1,180 | −12 % | 9.04 | 10.26 |
| T4+ · 145 m² | 1,138 | 1,230 | −7 % | 7.85 | 8.48 |
Aluseg estimate, not an official figure: INE median of €10.86/m² (2025, 1,894 new leases) × INE size ratio of the municipality itself × reference floor area. See the Setúbal rental market.
The ceiling against income in Setúbal
A person on the median income in Setúbal receives €1,118 a month after income tax (INE, 2024). The T2 ceiling (€844) takes 75 % of that income, against 83 % for the market rent (€925). For a couple on two median incomes, 38 % against 42 %.
Income per person after income tax, not household income: see how we read this number.
Looking for an affordable-rent home in Setúbal?
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 €649 for a T1, €844 for a T2.
IRS saved at the ceiling in Setúbal
A T2 in Setúbal let at the ceiling earns €10,128 a year. Outside the RSAA, IRS on that gross rent would reach €2,532 (25% rate) or €1,012.80 (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 | 507 | 6,084 | 1,521 | 608.40 | 0 |
| T1 | 649 | 7,788 | 1,947 | 778.80 | 0 |
| T2 | 844 | 10,128 | 2,532 | 1,012.80 | 0 |
| T3 | 1,040 | 12,480 | 3,120 | 1,248 | 0 |
| T4 | 1,138 | 13,656 | 3,414 | 1,365.60 | 0 |
| T5 | 1,333 | 15,996 | 3,999 | 1,599.60 | 0 |
Gross rent, no deductible expenses. Exemption: art. 6 of annex III. Rates: Landlord IRS in 2026.
Ceilings in the Setúbal district
Setúbal has the 5th highest T2 ceiling of 13 municipalities in the Setúbal district. The highest is Sines (€1,113) and the lowest is Alcácer do Sal (€595). The district median is €766: Setúbal is 10% above the median.
| Municipality | T0 (€/month) | T1 (€/month) | T2 (€/month) | T3 (€/month) | T2 market, est. (€/month) | Difference |
|---|---|---|---|---|---|---|
| Sines | 668 | 856 | 1,113 | 1,371 | 1,135 | −2 % |
| Almada | 612 | 784 | 1,021 | 1,257 | 1,105 | −8 % |
| Barreiro | 525 | 673 | 876 | 1,078 | 940 | −7 % |
| Seixal | 513 | 671 | 866 | 1,052 | 935 | −7 % |
| Setúbal | 507 | 649 | 844 | 1,040 | 925 | −9 % |
| Grândola | 478 | 612 | 796 | 981 | 950 | −16 % |
| Alcochete | 460 | 589 | 766 | 943 | 840 | −9 % |
| Moita | 458 | 586 | 763 | 940 | 830 | −8 % |
| Montijo | 457 | 585 | 762 | 938 | 835 | −9 % |
| Sesimbra | 456 | 583 | 759 | 935 | 805 | −6 % |
| Palmela | 443 | 568 | 739 | 910 | 800 | −8 % |
| Santiago do Cacém | 423 | 542 | 705 | 869 | 790 | −11 % |
| Alcácer do Sal | 357 | 457 | 595 | 733 | 750 | −21 % |
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 Setúbal
What is the maximum rent for a T2 in Setúbal under the RSAA?
€844 a month, the 27th highest ceiling in the country. With private parking or an energy certificate of A or A+ it rises to €928.40; with both, to €1,012.80.
Is the T2 ceiling in Setúbal above or below the market rent?
It is 9% below the Aluseg estimate for an 85 m² T2, about €925 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.