Portugal
Retiring to Portugal from the US, Canada, the UK, Ireland, Australia or New Zealand. Portugal has a retirement residence route: Visto de residência D7 (reforma ou rendimentos passivos) — D7 residence visa for retirement or passive income. It requires USD $1,028 a month in income (Visto de residência D7 (reforma ou rendimentos passivos)). Its public healthcare costs nothing. We cover 24 towns across 6 regions.
EUR €920.00 a month · European Central Bank, euro foreign exchange reference rates, 2026-10-30Sources: MNE (Portugal) visa portal: national visa for retirement / passive income (D7), 2026-09-26 · MNE (Portugal) visa portal: means of subsistence (Portaria n.º 1563/2007), 2026-01-01 · Decreto-Lei n.º 37/2022, de 27 de maio (Diário da República) — SNS user charges, 2026-10-06
The country figures on this page were checked at their official sources between Sep 26, 2026 and Oct 6, 2026; each one shows its own source and date.
Research in progress. The official data sources for Portugal have not yet been through our quality assessment, so this page is incomplete. What is published here is sourced and dated; what is missing is missing rather than estimated.
Residency and healthcare · measured for Portugal
Visto de residência D7 (reforma ou rendimentos passivos)
- Income
- USD $1,028 / month EUR €920.00 / month · European Central Bank, euro foreign exchange reference rates, 2026-10-30 1 × RMMG (EUR €920 per month, in force Jan 1, 2026) · First adult, net of social-security contributions; the means must cover not less than 12 months.
- Plus, per further adult
- USD $514 / month EUR €460.00 / month · European Central Bank, euro foreign exchange reference rates, 2026-10-30 0.5 × RMMG (EUR €920 per month, in force Jan 1, 2026) · Each further adult.
- Plus, per child
- USD $308 / month EUR €276.00 / month · European Central Bank, euro foreign exchange reference rates, 2026-10-30 0.3 × RMMG (EUR €920 per month, in force Jan 1, 2026) · Each child or dependent adult child.
How this is measured
Portugal's national health service (SNS) charges a resident registered with it no enrollment fee and, since 1 June 2022, no user charges, except a hospital emergency visit made without SNS referral that does not end in admission (Decreto-Lei n.º 37/2022). The figure is that fee: zero, per person.
- Food 117.8
- Housing, water, electricity and gas 116.6
- Health 92.8
- Transport 133.5
- Restaurants and hotels 93.9
- Communication 143.4
- Clothing and footwear 135.0
- Overall average 104.8
Cite this
Source: ExpatAlmanac, "Prices against the world average in Portugal", https://expatalmanac.com/portugal, figures as of 2021; original data: World Bank, International Comparison Program 2021 (CC BY 4.0).
How you may quote us: terms of use.
From United States
Visiting
90 days in any 180 · no visa.
Counts across the whole Schengen area. ETIAS (EUR €20, valid 3 years) is scheduled for the last quarter of 2026. European Commission (DG HOME): Main differences between the EES and ETIAS, 28 Apr 2026 · checked Sep 28, 2026Who may tax your pension here
- Private or workplace pension: Taxed only where you live (US–PT 1994, art. 20.1(a)) US–Portugal income tax convention (1994), IRS · checked Sep 26, 2026
- State pension: Both may tax, with relief (US–PT 1994, art. 20.1(b)) 'May be taxed' in the US — not exclusive. US–Portugal income tax convention (1994), IRS · checked Sep 26, 2026
- Government-service pension: Taxed only by the paying country (US–PT 1994, art. 21.2) US–Portugal income tax convention (1994), IRS · checked Sep 26, 2026
Healthcare from home
Your home cover does not pay for care here (Medicare)
CMS: "In most situations, Medicare won't pay for health care or supplies you get outside the U.S." The exceptions are narrow (a nearer foreign hospital in a US emergency, Alaska–Canada transit, living in the US nearer a foreign hospital). Most Medigap plans (C, D, E, F, G, H, I, J, M and N) cover foreign-travel emergency care: 80% of billed charges after a USD $250 yearly deductible, if the care begins in the first 60 days of a trip, to a USD $50,000 lifetime limit. CMS, Medicare Coverage Outside the United States (Product No. 11037, April 2026) · checked Sep 29, 2026Travel advice
U.S. Department of State (travel.state.gov) — advice for Portugal
Advice changes daily and varies by region, so we link to it rather than copy it. Link checked Oct 2, 2026.From Canada
Visiting
90 days in any 180 · no visa.
Counts across the whole Schengen area. ETIAS (EUR €20, valid 3 years) is scheduled for the last quarter of 2026. European Commission (DG HOME): Main differences between the EES and ETIAS, 28 Apr 2026 · checked Sep 28, 2026Who may tax your pension here
- Private or workplace pension: Both may tax, with relief (CA–PT 1999, art. 18.2) Canada may also tax, capped at the lesser of 15 % of the periodic payments in the year that exceed CAD $12,000, or the rate a Canadian resident would pay. Canada–Portugal tax convention (1999), Treaty Law Database · checked Sep 26, 2026
- State pension: Both may tax, with relief (CA–PT 1999, art. 18.1–2) Canada may also tax, capped at the lesser of 15 % of the periodic payments in the year that exceed CAD $12,000, or the rate a Canadian resident would pay. CPP and OAS fall under art. 18: the convention has no separate social-security clause. Canada–Portugal tax convention (1999), Treaty Law Database · checked Oct 2, 2026
- Government-service pension: Both may tax, with relief (CA–PT 1999, art. 18.1–2) Canada may also tax, capped at the lesser of 15 % of the periodic payments in the year that exceed CAD $12,000, or the rate a Canadian resident would pay. Art. 19 (Government Service) covers remuneration "other than a pension", so a government pension falls under art. 18. Canada–Portugal tax convention (1999), Treaty Law Database · checked Oct 2, 2026
Healthcare from home
Your home cover does not pay for care here (Provincial or territorial health plan)
Government of Canada: "Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad … It will never pay your bills up front." For living abroad it adds that travel insurance "is not intended to be used when you are living outside Canada for an extended period, or permanently". Each province or territory sets its own rule. Government of Canada, Trip interruption and travel health insurance (travel.gc.ca, modified 2026-09-02) · checked Oct 2, 2026Travel advice
Government of Canada (travel.gc.ca) — advice for Portugal
Advice changes daily and varies by region, so we link to it rather than copy it. Link checked Sep 28, 2026.From United Kingdom
Visiting
90 days in any 180 · no visa.
Counts across the whole Schengen area. ETIAS (EUR €20, valid 3 years) is scheduled for the last quarter of 2026. European Commission (DG HOME): Main differences between the EES and ETIAS, 28 Apr 2026 · checked Sep 28, 2026Who may tax your pension here
- Private or workplace pension: Taxed only where you live (UK–PT 2025, art. 17) UK–Portugal double taxation convention (2025; in force 29 Dec 2025), GOV.UK · checked Sep 26, 2026
- State pension: Taxed only where you live (UK–PT 2025, art. 17) UK–Portugal double taxation convention (2025; in force 29 Dec 2025), GOV.UK · checked Sep 26, 2026
- Government-service pension: Taxed only by the paying country (UK–PT 2025, art. 18.1) Taxable in both only for someone who is not a UK national but is a Portuguese one. UK–Portugal double taxation convention (2025; in force 29 Dec 2025), GOV.UK · checked Sep 26, 2026
Healthcare from home
Your home country can pay for state healthcare here (S1 form)
gov.uk: "You may be entitled to state healthcare paid for by the UK if you're a resident in Portugal and receive a UK State Pension or an exportable benefit." Register the S1 at a social security office (Segurança Social) and at your local health centre; it shows you are entitled to state healthcare on the same basis as a Portuguese citizen. gov.uk, Healthcare in Portugal (last updated 14 October 2021) · checked Sep 29, 2026Travel advice
UK Foreign, Commonwealth & Development Office — advice for Portugal
Advice changes daily and varies by region, so we link to it rather than copy it. Link checked Sep 28, 2026.From Ireland
Visiting
No visitor limit — you move as an EU national.
An EU national may live in any EU country with comprehensive health insurance and sufficient income (a pension counts); no residence document can be required in the first 3 months, and registration may be required after. The non-EU retirement visa and its income floor do not apply. Your Europe (EU): Pensioners — residence rights (last checked 01/07/2026) · checked Sep 28, 2026Who may tax your pension here
- Private or workplace pension: Taxed only where you live (IE–PT 1993, art. 18.1) Pensions 'in consideration of past employment'. Ireland–Portugal DTA (Dublin, 1 Jun 1993), Revenue · checked Sep 28, 2026
- State pension: Taxed only where you live (IE–PT 1993, art. 18.1 or art. 22.1) Both routes give the same answer: the pensions article covers pensions 'in consideration of past employment', and if a state pension falls outside it, the Other Income article (art. 22.1) also makes it taxable only in the state of residence. Ireland–Portugal DTA (Dublin, 1 Jun 1993), Revenue · checked Sep 28, 2026
- Government-service pension: Taxed only by the paying country (IE–PT 1993, art. 19.2) Unless the recipient is both resident in and a national of Portugal. Ireland–Portugal DTA (Dublin, 1 Jun 1993), Revenue · checked Sep 28, 2026
Healthcare from home
Your home country can pay for state healthcare here (S1 form)
Under the EU rule, a pensioner with no pension from the country they live in "should request an S1 form (former E106 form) from your health insurance institution in the country that pays your pension. When you arrive in your new country, register your S1 form with the relevant health insurance institution." For an Irish pension, the HSE issues the S1. Your Europe (EU), Health insurance cover in your host country (last checked 19/08/2026) · checked Sep 29, 2026Travel advice
Department of Foreign Affairs (Ireland) — advice for Portugal
Advice changes daily and varies by region, so we link to it rather than copy it. Link checked Sep 28, 2026.From Australia
Visiting
90 days in any 180 · no visa.
Counts across the whole Schengen area. ETIAS (EUR €20, valid 3 years) is scheduled for the last quarter of 2026. Bilateral agreements between some Schengen states and this country may allow longer stays — not verified here. Regulation (EU) 2018/1806, Annexes I and II (visa-required and visa-exempt nationalities), as published by the European Commission · checked Sep 28, 2026Who may tax your pension here
- Private or workplace pension: No tax treaty — each country taxes under its own law, with no treaty relief. No Portugal treaty: Portal das Finanças CDT list (checked by hand), Australian Treasury list (24 Mar 2026), NZ IRD list (Portugal: negotiating) · checked Sep 28, 2026
- State pension: No tax treaty — each country taxes under its own law, with no treaty relief. No Portugal treaty: Portal das Finanças CDT list (checked by hand), Australian Treasury list (24 Mar 2026), NZ IRD list (Portugal: negotiating) · checked Sep 28, 2026
- Government-service pension: No tax treaty — each country taxes under its own law, with no treaty relief. No Portugal treaty: Portal das Finanças CDT list (checked by hand), Australian Treasury list (24 Mar 2026), NZ IRD list (Portugal: negotiating) · checked Sep 28, 2026
Healthcare from home
No healthcare agreement between the two countries (Reciprocal Health Care Agreements)
Australia has reciprocal health care agreements with eleven countries — Belgium, Finland, Italy, Malta, the Netherlands, New Zealand, Norway, Ireland, Slovenia, Sweden and the United Kingdom — and they cover visits, not living there. Services Australia, About reciprocal health care agreements (last updated 15 September 2026) · checked Oct 2, 2026Travel advice
Australian Government (Smartraveller) — advice for Portugal
Advice changes daily and varies by region, so we link to it rather than copy it. Link checked Oct 2, 2026.From New Zealand
Visiting
90 days in any 180 · no visa.
Counts across the whole Schengen area. ETIAS (EUR €20, valid 3 years) is scheduled for the last quarter of 2026. Bilateral agreements between some Schengen states and this country may allow longer stays — not verified here. Regulation (EU) 2018/1806, Annexes I and II (visa-required and visa-exempt nationalities), as published by the European Commission · checked Sep 28, 2026Who may tax your pension here
- Private or workplace pension: No tax treaty — each country taxes under its own law, with no treaty relief. No Portugal treaty: Portal das Finanças CDT list (checked by hand), Australian Treasury list (24 Mar 2026), NZ IRD list (Portugal: negotiating) · checked Sep 28, 2026
- State pension: No tax treaty — each country taxes under its own law, with no treaty relief. No Portugal treaty: Portal das Finanças CDT list (checked by hand), Australian Treasury list (24 Mar 2026), NZ IRD list (Portugal: negotiating) · checked Sep 28, 2026
- Government-service pension: No tax treaty — each country taxes under its own law, with no treaty relief. No Portugal treaty: Portal das Finanças CDT list (checked by hand), Australian Treasury list (24 Mar 2026), NZ IRD list (Portugal: negotiating) · checked Sep 28, 2026
Healthcare from home
No healthcare agreement between the two countries (Reciprocal health agreements)
New Zealand has reciprocal health agreements with "Australia and the United Kingdom" only, and they cover visits, not moving there. Health New Zealand | Te Whatu Ora, Reciprocal health agreements (24 July 2026) · checked Sep 29, 2026Travel advice
New Zealand Ministry of Foreign Affairs and Trade (SafeTravel) — advice for Portugal
Advice changes daily and varies by region, so we link to it rather than copy it. Link checked Sep 28, 2026.From South Africa
Visiting
90 days in any 180 · visa required.
A Schengen short-stay visa is required (Regulation (EU) 2018/1806, Annex I). Counts across the whole Schengen area. European Commission (DG HOME): Main differences between the EES and ETIAS, 28 Apr 2026 · checked Sep 28, 2026Who may tax your pension here
- Private or workplace pension: Taxed only where you live (ZA–PT 2006, art. 18.1) A purchased annuity may be taxed in South Africa at up to 12 % on the income portion above USD $10,000 a year (art. 18.2). Pensions 'in consideration of past employment'. South Africa–Portugal DTA, SARS (GG 31720) · checked Sep 28, 2026
- State pension: Taxed only where you live (ZA–PT 2006, art. 18.1 or art. 22.1) Both routes give the same answer: the pensions article covers pensions 'in consideration of past employment', and if a state pension falls outside it, the Other Income article (art. 22.1) also makes it taxable only in the state of residence. South Africa's state old-age benefit is the means-tested Older Person's Grant, and one of its conditions is 'You live in South Africa' (Western Cape Government, read 2026-09-29), so a retiree living abroad would not normally receive it. South Africa–Portugal DTA, SARS (GG 31720) · checked Sep 28, 2026
- Government-service pension: Taxed only by the paying country (ZA–PT 2006, art. 19.2) Unless the recipient is both resident in and a national of Portugal. South Africa–Portugal DTA, SARS (GG 31720) · checked Sep 28, 2026
Healthcare from home
Not yet verified.Travel advice
Not yet linked.Cite this
Source: ExpatAlmanac, "Residency and healthcare in Portugal", https://expatalmanac.com/portugal, figures as of 2026; original data: MNE (Portugal) visa portal: national visa for retirement / passive income (D7); ACSS (Portugal): Registo Nacional de Utentes — Despacho n.º 14830/2024; Decreto-Lei n.º 37/2022, de 27 de maio (Diário da República) — SNS user charges; European Union: Countries using the euro; CP – Comboios de Portugal, Half-price senior tickets.
How you may quote us: terms of use.
Towns we cover in Portugal, by region
Each town in Portugal listed here shows its monthly subtotal for a couple, in US dollars — Rent, electricity and groceries · official sources.
Filter, sort and compare every town in Portugal →
Algarve · 15 towns
- Albufeira USD $1,233 / month · as of 2026-09-29
- Aljezur USD $945 / month · as of 2026-09-29
- Castro Marim USD $962 / month · as of 2026-09-29
- Faro USD $1,061 / month · as of 2026-09-29
- Lagoa USD $1,029 / month · as of 2026-09-29
- Lagos USD $1,283 / month · as of 2026-09-29
- Loulé USD $1,243 / month · as of 2026-09-29
- Monchique USD $803 / month · as of 2026-09-29
- Olhão USD $923 / month · as of 2026-09-29
- Portimão USD $1,187 / month · as of 2026-09-29
- Silves USD $1,052 / month · as of 2026-09-29
- São Brás de Alportel USD $761 / month · as of 2026-09-29
- Tavira USD $1,165 / month · as of 2026-09-29
- Vila Real de Santo António USD $1,028 / month · as of 2026-09-29
- Vila do Bispo USD $978 / month · as of 2026-09-29
Alentejo · 2 towns
Centro · 2 towns
- Pedrógão Grande USD $602 / month · as of 2026-09-29
- Penela USD $627 / month · as of 2026-09-29
Grande Lisboa · 1 town
- Cascais USD $1,645 / month · as of 2026-09-29
Oeste e Vale do Tejo · 2 towns
- Caldas da Rainha USD $894 / month · as of 2026-09-29
- Óbidos USD $916 / month · as of 2026-09-29
Região Autónoma da Madeira · 2 towns
- Calheta USD $685 / month · as of 2026-09-29
- Porto Santo USD $921 / month · as of 2026-09-29
Other regions — no town covered yet: Norte · Península de Setúbal · Região Autónoma dos Açores
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