Living abroad
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Moving to Portugal from USA: Benefits and Process for Americans

US citizens can reap many benefits from moving to Portugal, such as an affordable healthcare system and relatively low costs while maintaining a high standard of living. They can also enjoy life in the mountains or by the ocean.

After the recent presidential election in the USA, interest from Americans in Portugal visas and residence permits has increased considerably.

A residence permit is required to move to Portugal, and a US citizen can obtain it in several ways. If you don’t have a significant purpose for relocation, like a job offer, the Golden Visa or the D7 visa may be the best choice.

Alina Mishurenko

Author •Alina Mishurenko

Told about relocation to Portugal from the USA

Moving to Portugal from the USA

Moving to Portugal from USA: Benefits and Process for Americans

How can a US citizen get a residence permit in Portugal?

Thanks to its pleasant climate, high quality of life, and favourable visa policies, Portugal is an attractive destination for US citizens looking to relocate.

US citizens have the right to enter Portugal without a visa and stay there for 90 days. However, obtaining a residence permit is necessary for Americans who wish to stay in Portugal longer.

Portugal residency visa types for Americans. There are various options for living in Portugal as an American for the long term, which are suitable for people with different purposes for moving to the country. Some of these options are:

Whether through passive income, entrepreneurship, remote work, or investment, Portugal offers a welcoming environment and favourable conditions for expatriates. The Golden Visa and the D7 Visa are most suitable for wealthy foreigners.

Are you a perfect fit for the Portugal D7 Visa?

Discover your eligibility with our simple quiz!

Can Americans live in Portugal permanently?

Americans can live in Portugal permanently by following the appropriate immigration procedures. They must start by obtaining a temporary residence permit, which can be acquired through various visa types, such as the D7 Visa, D2 Visa, D8 Visa, or Golden Visa.

The process to permanent residency involves the following steps:

  1. Applying for a relevant visa.

  2. Entering Portugal once your visa is approved, you will receive a temporary visa to enter Portugal.

  3. Obtaining individual tax number — o Número de Identificação Fiscal, NIF.

  4. Applying for a residence permit.

  5. Holding a temporary residence permit for five consecutive years.

  6. Providing proof of accommodation in Portugal.

  7. Having a clean criminal record.

  8. Demonstrating basic knowledge of the Portuguese language at A2 level.

  9. Applying for a permanent residence permit.

  10. Attending an interview if required.

After holding a residence permit for 5 years, a resident may be eligible to apply for citizenship in Portugal.

Once granted citizenship, one will be entitled to all the rights and responsibilities of Portuguese citizens, including the right to live and work in Portugal and the EU without restrictions.

3 main reasons Americans are moving to Portugal

Americans move to Portugal in droves. According to the statistics, the USA is among the top three nations after China and Brazil, with 781 approved applications for the Portugal Golden Visa in 2023.

Here are some of the features that attract Americans to Portugal.

1. Friendliness to immigrants. Portugal was ranked 10th world’s best destination for expats in the Expat Insider 2023 survey. The rating considered many factors in four categories: quality of life, ease of settling in, personal finance, and working abroad.

The locals are hospitable to new residents of the country. Currently, immigrants make up 6% of the population in Portugal.

2. Safety. In 2024, Portugal ranked 7th in the Global Peace Index’s top of the safest countries.

The country received such an assessment based on 23 parameters, including the number of crimes, the degree to which citizens' rights and freedoms are respected, and the availability of firearms.

3. Climate. Portugal has a mild subtropical climate without extreme temperature fluctuations. In the north, the maritime climate is dominated by the Gulf Stream.

Summer is dry and sunny but not hot there, and the temperature in winter ranges +4…+10°С. Together with almost 300 sunny days a year, this makes Portugal one of the most comfortable countries in terms of climate.

Life in Portugal. The country is famous for some of Europe’s finest beaches

Camilo Beach near the town of Lagos is a secluded sandy beach surrounded by high cliffs

How much money Americans need to move to Portugal and live there

Costs of moving to Portugal. There are many variables to consider while discussing moving costs. The cost of relocating to Portugal from the US will include:

  • flight tickets;

  • long-term visa fees;

  • renting payment or buying one;

  • medical insurance.

Immigrating to Portugal from the US alone will be less expensive than proceeding with a partner or children. If you’re moving to Portugal as a couple, you should be budgeting around €10,000 to cover yourself.

Costs and quality of life in Portugal. Portugal is the only European country included in the top 10 best expat destinations according to the InterNations rating. However, Portugal remains one of the cheapest countries in the EU. Consumer Prices in Portugal are, on average, 50,4% lower than in the United States.

Like in the US, prices in Portugal depend on the region. For example, prices in Lisbon are mostly higher than those in Porto.

Comparative cost of living in the US and Portugal

Goods and services

Rent per month (3 bedroom apartment in the city centre)

US: New York

$8,600

Portugal: Lisbon

$2,500

Goods and services

Three-course meal for 2 people at a mid-range restaurant

US: New York

$130

Portugal: Lisbon

$50

Goods and services

Basic utilities for a 915 sq ft apartment (electricity, heating, cooling, water, garbage)

US: New York

$180

Portugal: Lisbon

$130

Goods and services

Loaf of fresh white bread (1 lb)

US: New York

$5

Portugal: Lisbon

$1.5

Goods and services

Taxi, 1 mile (Normal tariff)

US: New York

$1

Portugal: Lisbon

$0.70

Goods and services

Fitness Club, monthly fee for 1 adult

US: New York

$150

Portugal: Lisbon

$40

Goods and services

Gasoline (1 gallon)

US: New York

$2.20

Portugal: Lisbon

$1.85

Best places for Americans to live in Portugal

Traditionally, Americans tend to choose three main destinations for living in Portugal, where the community of American expats is numerous.

Lisbon is the capital of the country and the largest city in Portugal. It may be suitable for those who do not want to give up the advantages of living in a big city, with its developed infrastructure, transport accessibility, nightlife, and faster pace of life.

However, Lisbon is not a metropolis. About three million people live there, so the city may seem relatively small compared to New York with about nine million.

Lisbon is also popular with digital nomads. It is chosen for a successful combination of conditions for work, leisure, and proximity to nature.

Best places in Portugal for American expats — Lisbon

Lisbon is more often chosen for relocation than other Portuguese cities. It is one of the best places for digital nomads because of its warm climate and relatively low cost of living

Porto is the second-largest city in Portugal, rivalling Lisbon in terms of tourist attractions and entertainment. It is considered the centre of cultural life in Portugal.

The city is located in the valley of the Douro River, where the famous Port wine originated. There you can find the best authentic wine in Portugal and a wide variety of restaurants and cafes.

The Algarve is the most southern region of Portugal. Its golden beaches attract those who move to Portugal to live by the sea. There you can find the most developed infrastructure for a beach holiday and the best marinas in Portugal.

The Algarve region has the most Blue Flag beaches. This award is given to places with the cleanest waters and the best conditions for recreation.

Best place in Portugal for American expats

A beach in Sagres, Algarve. Portugal’s beaches and marinas have received 440 Blue Flags in 2024, and most of them are in the Algarve

Portugal residency by investment: the Golden Visa Program

One of the easiest ways to obtain a long-term residence permit in Portugal is to participate in its residency-by-investment program. In this case, you do not need to learn the language and confirm your education and professional qualifications, as in the cases of work and student visas.

The entire process of getting a residence permit in Portugal by investment usually takes 12 months. This time is needed to prepare all the necessary documents, make the investment, apply, and pass the Due Diligence check.

The Portugal Golden Visa program provides an opportunity to obtain a residence permit in Portugal by investing in the country’s economy:

  • €250,000 in the culture, art, or reconstruction of the national heritage;

  • €500,000 in investment fund shares;

  • €500,000 in a business with the creation of at least five jobs;

  • €500,000 in research programs;

  • opening a company and creating at least ten jobs in Portugal.

The most popular option is the purchase of shares of investment funds.

Investors’ close relatives may also get a residence permit. Spouses, children under 26, and parents of the main applicants may participate in the residency-by-investment program.

The family composition doesn’t affect the minimum investment amount. Only the additional costs, like the government fees, tend to grow with the number of relatives in the application.

Individual cost calculation for residence by investment in Portugal

Individual cost calculation for residence by investment in Portugal

How to get Portugal residency by investment

Regardless of the chosen investment option, the applicant will have to go through mandatory steps to obtain a Portuguese residency by investment. The process is rather complicated and takes at least 12 months.

1

1—2 days

Preliminary check

The investor gets their biography checked by a certified Anti Money Laundering Officer. The process is entirely confidential, and all that must be presented for verification is the main applicant’s passport — the specialist searches for information about the investor in international databases. Only the applicant and the lawyers assigned to their case are informed about the check results.

2

Choosing the investment option

Choosing an option for investment is a very important stage, which can take several days to several months. Depending on the option chosen, the investor is helped to select an object for investment: a company, a fund, a scientific program or a cultural project.

3

2—5 days

Visit to Portugal

The applicant travels to Portugal and performs some steps that may only be done in person. In two or five days, they must register their individual foreigner’s tax number, open a bank account, and draw up a power of attorney for a lawyer in Portugal to act on their behalf.

4

1—2 months

Fulfilment of the investment condition

The procedure and time depend on the chosen investment option. For example, if the investor has decided to open a business in Portugal and create 10 jobs, then, among other things, he will need to do the following:

  1. Open a company. It takes 3 weeks to open a company when the main applicant receives the Portuguese tax number.

  2. If necessary, conclude a virtual address agreement or find an office or commercial space for rent.

  3. Submit documents to open a company bank account.

  4. Find workers and sign contracts with them. Employees moving from another country to Portugal must get a D1 visa, which usually takes 3—4 months.

5

1.5—2 months

Collection of the documents and submission of the application

Immigrant Invest’s lawyers provide the investor with an individual list of documents that must be submitted. After collecting the documents, the investor gets them translated and certified.

The electronic copies of the documents are then sent to the Agency for Integration, Migrations and Asylum of Portugal, AIMA. The time for collecting documents may increase due to the applicants’ circumstances.

6

1 day to 3 weeks

Submission of biometric data in Portugal

The investors and family members included in the application must come to Portugal and submit the original documents and their biometric data.

The applicants receive a confirmation document from AIMA that allows them to live in Portugal until the residence permit cards are issued. However, they cannot enter or leave the country based on this document.

This step takes less time if all family members can submit biometrics simultaneously. It depends on the possible dates to sign up. To ensure the process is completed on time, lawyers sometimes register members of the same family to submit biometrics on the same day but in different cities.

7

6—8 months

Approval and receipt of residence permit cards

AIMA processes the application and checks the documents. Once the application is approved, the investor pays a fee for issuing the residence permit cards. The cards are ready within two weeks and delivered personally to the investor or lawyer.

The process must be completed on time but can be done to make it manageable. The critical aspect here is a well-prepared package of documents that does not cause AIMA to ask further questions.

However, nothing can guarantee that AIMA will not send additional requests. Any citizenship or residence by investment program reserves the right to request further clarification on any application without giving reasons.

Portugal D7 Visa for Americans retiring in Portugal

The D7 Visa is designed for those with a permanent passive income source. The income should be at least equal to the minimum monthly wage in Portugal. In 2024, this is €820 per month.

The income must come outside of Portugal, although a residence permit then allows its holder to work in Portugal. The source of income can be almost anything if it is legal and documented: pension, dividends, interest, royalties.

In 2024, Portugal entered the top 5 countries for retirement according to Living Magazine’s annual Global Retirement Index. The rating is based on the results of a survey of hundreds of retired immigrants across the world. Portugal is considered as the easiest European country for North Americans to move to.

The minimum required income also depends on the number of applicants that are included in the original application:

  • main applicant — 100% of the minimum wage;

  • spouse or parents of the main applicant — 50% of the minimum wage per person;

  • dependent children — 30% of the minimum wage per person.

Another requirement to obtain a D7 visa is that the applicant must rent or buy housing in Portugal for themselves and the family members included in the application.

Applicants get a residence permit after the D7 visa; the first permit is valid for two years, and every consequent one is issued for three years. To retain residency, one must spend 1.5 consecutive years in the first 2 years or 16 months in total over 2 years.

Individual cost calculation for the Portugal Passive Income D7 Visa

Individual cost calculation for the Portugal Passive Income D7 Visa

How to get a Portugal residence permit: a comparison of the Golden Visa and the D7 visa

Investor’s eligibility. To participate in the Golden Visa Program and D7 programs, an applicant must be over 18 years old and have no criminal record. Also, both visa categories require medical insurance.

The difference is that to obtain a Golden Visa, the investor confirms the legality of the origin of the funds from abroad, and the applicant for the D7 visa provides evidence of passive income.

Family eligibility. The application can include spouses, children and financially dependent parents for both visas.

However, the Golden Visa offers more flexible conditions. The maximum age for adult children is 26, and for a D7 visa, it is 21.

Obtaining time for visa D7 is shorter, usually taking six months, while getting a Golden Visa will take twice as long.

Stay requirements are also different. To maintain a Golden Visa, investors must stay in Portugal 7 days per year. To retain residency after D7, one must spend 1.5 consecutive years in the first 2 years or 16 months over 2 years.

A residence permit validity period under both programs is 2 years for the first permit and 3 years for the consequent one.

Expenses on obtaining residency are much lower under the D7 visa as it doesn’t require investments in the Portuguese economy.

Costs comparison

Terms

Investments

€250,000+

Not required

Monthly income

Not required

€820 per month

Savings

Not required

€9,840

Medical insurance

€400+ per family member

€400+ per family member

Fee for a residency card

6,045 per family member

€76 per family member

Application fee

605 per family member

€90 per family member

Startup Visa vs D2 Visa vs Digital Nomad Visa: which one to choose?

The Startup Visa is designed for non-EU entrepreneurs who aim to launch innovative businesses in Europe. It encourages the establishment of startups that can contribute to the economic development and innovation landscape of the host country.

To be eligible, the applicant must have:

  • an innovative business idea;

  • a business plan should demonstrate the potential for job creation and economic impact;

  • endorsement from a recognized incubator or accelerator;

  • sufficient funds to support the business and personal living expenses.

The applicant must get project approval from an accredited business incubator that will accelerate the startup and submit an application to the Portuguese Agency for Competitiveness and Innovation, IAPMEI.

The D2 Visa, also known as the Entrepreneur Visa, is aimed at non-EU nationals who want to start or invest in a business in Portugal. This visa is ideal for traditional business ventures, including small and medium enterprises.

To be eligible, the applicant must have:

  • business plan showcasing viability and potential economic impact;

  • proof of financial means to support personal living expenses — €9,840 per annum;

  • ability to create jobs for Portuguese nationals.

The D2 visa minimum investment under this option is not set. The business must have a clear economic impact on the local market.

The Digital Nomad Visa, also known as D8, targets remote workers and freelancers who wish to live in Portugal while working for foreign companies. This visa supports the growing trend of digital nomadism and caters to those who do not plan to start a business locally.

To be eligible, the applicant must have the following:

  • proof of remote employment or freelance work;

  • minimum monthly income threshold to ensure financial self-sufficiency — €3,280;

  • health insurance coverage valid in Portugal.

The D8 Visa is perfect for digital nomads seeking the freedom to live and work remotely in Portugal without establishing a local business.

Individual cost calculation for the Portugal Digital Nomad Visa

Individual cost calculation for the Portugal Digital Nomad Visa

Portugal citizenship prospectsfor US citizens

Both the US and Portugal allow their citizens to have dual citizenship. This means that a US citizen can become a Portuguese citizen and have two citizenships at once, enjoying the full range of benefits.

After five years of legal residence in Portugal, a foreigner may apply for a permanent residence permit. Instead, they can immediately apply for Portuguese citizenship by naturalisation.

Obtaining Portugal citizenship takes 7—12 months. This timeline consists of the following steps:

  1. Applying for citizenship. You can do it in person or by mail to the Central Registry Office.

  2. The application is sent to the Central Registry Office by the department that has registered the application. This step takes up to 48 hours.

  3. The Central Registry office conducts the preliminary verification of the documents. If any data is missing, the applicant gets informed and has 20 days to complete the set of documents.

  4. The Central Registry Office requests additional information from the police and the Agency for Integration, Migrations and Asylum of Portugal.

  5. The Central Registry Office approves the application and sends the documents to the Ministry of Justice.

  6. The Ministry of Justice makes the final decision.

  7. The ID cards of the new citizens of Portugal are produced and issued to the applicants.

To qualify for Portugal citizenship, the applicant must meet five requirements:

  1. Resident status for at least five years.

  2. Age 18+.

  3. Knowledge of the Portuguese language confirmed by an A2 certificate.

  4. No criminal record.

  5. No threat to national security.

Minor children may also get Portugal citizenship if their parents have retained residency for five years. Children under 12 do not need to take a language proficiency test.

There is also a list of documents required for applying for citizenship in Portugal:

  • an application form filled out in Portuguese;

  • two identical passport photographs;

  • valid passport or certified copy;

  • evidence of stable and regular resources sufficient for the main applicants and their relatives;

  • supporting documents for accommodation in Portugal

  • a certificate of no criminal record from the USA and other countries where the applicant has lived continuously for more than one year;

  • the proof of holding residency for at least five years;

  • the proof of Portuguese knowledge at the A2 level or higher.

Cultural things to know before moving to Portugal

Portugal’s culture is a mosaic of historical influences shaped by various civilizations and events over the centuries.

The country’s history dates back to the Roman Empire and the Age of Discoveries, which significantly influenced global exploration. The Roman, Moorish, and Christian influences are evident in the architecture, art, and traditions.

Key historical sites such as the Belem Tower and Jeronimos Monastery in Lisbon and the ancient city of Evora offer a glimpse into Portugal’s past. These landmarks are tourist attractions and cultural touchstones that reflect the country’s evolution.

Communication. Portuguese is the official language of Portugal, and learning it can greatly enhance your experience and integration. While many Portuguese people speak English, especially in urban areas, speaking the local language is highly appreciated and can help build better connections.

Common phrases such as:

  • "Bom dia" — “Good morning”;

  • "Obrigado" for men and “Obrigada” for women — “Thank you”;

  • "Por favor" — “Please”.

Festivals and traditions. The Festa de São João in Porto, characterised by fireworks and street parties, and the Festa de Santo António in Lisbon, known for sardine grilling and traditional parades, are among the most popular. These festivals are not only about celebration but also reflect the region’s community spirit and cultural heritage.

Regional traditions, such as the Azorean bullfights or the folk dances of the Alentejo, offer a glimpse into the diverse cultural practices across Portugal. Engaging in these festivals and traditions can provide a deeper understanding of Portuguese culture and community life.

Cuisine and dining etiquette. Portuguese cuisine is a mix of flavours heavily influenced by the country’s history of exploration and trade. Traditional dishes that are highly recommended to try:

  • “Bacalhau” — salted cod;

  • “Caldo Verde” — green soup;

  • “Pastel de Nata” — custard tart.

Dining in Portugal is a social affair, often involving extended family gatherings and long, leisurely meals. Sharing meals is a way to build relationships and enjoy the rich culinary heritage.

Family and social structure. Family is the cornerstone of Portuguese society. Strong family ties and frequent gatherings are common, reflecting the importance of familial bonds. This social structure influences various aspects of daily life, from living arrangements to social activities.

Social norms in Portugal are shaped by respect for tradition and courtesy. Gender roles are traditionally defined, but modern Portuguese society is increasingly progressive.

Arts and music. Portugal’s artistic heritage is rich and diverse, encompassing various forms such as literature, visual arts, and music. Fado, the soulful genre of music, is an integral part of Portuguese culture. Recognized by UNESCO as an Intangible Cultural Heritage, Fado songs often reflect longing, love, and loss themes.

Portuguese literature has significantly contributed to world literature, with notable figures like Fernando Pessoa and José Saramago.

The country’s museums and galleries show both historical and contemporary works.

Football. Sports are an integral part of Portuguese culture, with football being the most popular. Portuguese people are passionate about their football clubs, and attending a match can be a thrilling experience. Other popular sports include surfing, with Portugal’s coastline offering some of the best surf spots in Europe, and bullfighting, which is practised in a uniquely Portuguese style in certain regions.

Portugal is home to one of the most prestigious football clubs in the world, S.L. Benfica. Located in Lisbon, Benfica holds the Guinness World Record for the highest number of members for a sports club.

Moving to portugal

Estádio do Sport Lisboa e Benfica, is one of the most iconic football stadiums in Portugal. This modern stadium has a seating capacity of 65,000, making it one of the largest stadiums in Europe

Work culture and business etiquette. Portugal’s work culture is characterised by a balance between professionalism and personal relationships. Business meetings often begin with small talk to build rapport, and punctuality is appreciated.

Business etiquette includes dressing conservatively, addressing people by their titles, and maintaining a respectful demeanour.

Religion. Catholicism is the dominant religion in Portugal, deeply influencing its culture and daily life. Most Portuguese people identify as Roman Catholic, and this faith is woven into various aspects of the country’s traditions and customs.

Religious holidays such as Christmas, Easter, and the Feast of the Assumption are widely celebrated, often with special masses, processions, and family gatherings. These events are not only religious observances but also cultural celebrations that bring communities together.

The presence of churches and religious symbols is common throughout Portugal, reflecting the importance of faith in daily life. Participation in religious activities and respect for these traditions can provide insight into the spiritual and cultural fabric of the country.

Holidays. Portugal celebrates a variety of national holidays, each with its own set of customs and traditions. National holidays like Dia de Portugal, Portugal Day, celebrated on June 10th, and Dia da Liberdade, Freedom Day, commemorating the Carnation Revolution on April 25th, are significant for their historical and cultural importance.

Education in Portugal

Education in Portugal is compulsory for children between the ages of 6 and 18. Portugal offers education at world-famous schools and universities and a wide range of international general education schools.

The education system in Portugal is divided into several stages:

  • pre-primary education, ages 3—5;

  • primary education, ages 6—10;

  • lower secondary education, ages 11—14;

  • upper secondary education, ages 15—18.

Primary education in Portugal focuses on foundational skills such as reading, writing, and arithmetic, as well as basic science, history, and geography knowledge. The curriculum includes physical education, arts, and moral and civic education.

Portuguese secondary education is widely recognized abroad as schools follow the IB Diploma Programme — the generally accepted secondary education program.

Higher education includes universities and polytechnic institutes offering undergraduate, master’s, and doctoral degrees.

Americans moving to Portugal to study at university

The University of Porto is recognized as the top university in Portugal and among the top 100 European institutions by major Higher Education rankings

Healthcare in Portugal

According to the World Index of Healthcare Innovation 2022, Portugal’s healthcare system ranks 22nd among 32 European countries. WIHI explore health care systems across four dimensions:

  1. Quality.

  2. Choice.

  3. Science and Technology.

  4. Fiscal sustainability.

The high life expectancy also confirms the quality of Portuguese medicine: according to the World Population Review, Portugal’s average life expectancy is 80 years.

Portugal Golden Visa holders have full coverage insurance — this is a prerequisite for a residence permit.

Portugal’s national healthcare system, the Serviço Nacional de Saúde, SNS, typically covers certain treatment costs for those legally residing and working in Portugal. This option is available for those who pay Portuguese social security, segurança social, and their dependent family members.

People who work or have worked in both the US and Portugal may also benefit from the Agreement Between the United States and Portugal, which helps them avoid paying social security taxes to both countries on the same earnings.

Expats with Portugal citizenship have access to the public health system.

Job market for Americans in Portugal

The job market in Portugal offers both opportunities and challenges for American expats. While the country offers a high quality of life, the job market can be competitive and limited, especially for non-EU citizens.

Wages in Portugal are relatively low compared to those in the US and other Western European countries. The average monthly salary in Portugal hovers around €1,500.

Despite the overall low wages, some sectors have a higher demand for skilled workers:

  1. Information Technology. There’s a growing demand for IT professionals, including software developers and network engineers.

  2. Tourism and hospitality. Given Portugal’s thriving tourism industry, jobs in hospitality management, tour guiding, and customer service are more readily available.

  3. English teaching. Native English speakers often find opportunities in teaching, though these positions typically offer modest salaries.

Job search. One of the most critical pieces of advice for Americans considering a move to Portugal is to secure a job before relocating. The Portuguese job market can be challenging to navigate, especially for non-EU citizens who may face additional bureaucratic hurdles.

Online job search strategies:

  • use job websites like Indeed, Glassdoor, and LinkedIn are invaluable resources for job hunting;

  • join expat groups on social media platforms and attend virtual networking events;

  • check the career pages of companies you’re interested in.

Working remotely for a company in one’s home country can lead to a stable income in Portugal. These workers can move to Portugal from the US on a Digital Nomad Visa.

Will you obtain the Portugal Digital Nomad Visa?

Practical Guide

Will you obtain the Portugal Digital Nomad Visa?

Rent and mortgage in Portugal

Renting a home in Portugal, especially in its major cities, has become increasingly popular due to the growing expat community and the desire for flexibility among locals. However, the rental market in Portugal has its own challenges and advantages.

In Lisbon, the capital city, rental prices have surged dramatically over the past few years. As of 2024, the average monthly rent for a one-bedroom apartment in the city centre can range from €1,200 to €1,500, while a similar apartment outside the city centre may cost between €700—1,000.

Porto, the country’s second-largest city, is slightly more affordable. City centre rents for a one-bedroom apartment range between €900 and 1,300, and outside the centre, between €600 and 900.

Other cities like Faro, Coimbra, and Braga offer more affordable options, with rents generally lower than in Lisbon and Porto.

A standard lease agreement typically lasts one year and can be renewed automatically unless either party decides to terminate it. The contract must be in writing and clearly outline the rental price, duration, and lease terms.

Mortgages in Portugal. Obtaining a mortgage in Portugal is a common path for both residents and expats looking to buy property. The mortgage market offers various options, catering to different financial needs and situations.

To get a mortgage, foreigners with legal residency and NIF must open a bank account.

In Portugal, several types of mortgages are available to prospective buyers:

  1. Fixed-Rate mortgages. The interest rate remains constant throughout the loan term, providing stability in monthly payments.

  2. Variable-rate mortgages. The interest rate can fluctuate based on market conditions, typically tied to the Euribor rate.

  3. Mixed-rate mortgages. These combine fixed and variable rates, starting with a fixed rate for an initial period and then switching to a variable rate.

As of 2024, mortgage rates in Portugal are relatively low compared to historical standards, influenced by the European Central Bank’s policies. Fixed-rate mortgages range from 2 to 3%, while variable-rate mortgages often start below 2%. However, rates can vary based on the lender, the borrower’s financial profile, and the loan-to-value, LTV ratio.

Most Portuguese banks offer mortgages with terms ranging from 20 to 30 years. The maximum LTV ratio is typically around 80%, meaning borrowers must provide at least a 20% down payment. For non-residents, some banks may offer up to 90% LTV.

Is learning Portuguese necessary?

Learning Portuguese can significantly enrich your experience in Portugal. While many people in Portugal, especially in tourist areas and larger cities, speak English, knowing Portuguese allows you to dive deeper into the culture and connect with people more personally.

Speaking Portuguese shows respect for the native culture and traditions, which can lead to more meaningful interactions and friendships.

Here are some practical strategies to help learn Portuguese efficiently:

  1. Enrol in a language course. Formal classes provide structured learning and can be very effective. Many language schools offer courses specifically designed for expats.

  2. Use language apps like Duolingo, Babbel, and Rosetta Stone to supplement your learning with interactive exercises you can do on the go.

  3. Practice with locals. Engage in conversations with Portuguese speakers as often as possible. Join local clubs, participate in community events, or find a language exchange partner.

  4. Immerse yourself in the language by watching Portuguese TV shows, listening to Portuguese music, and reading books or news articles in Portuguese.

Monica

Monica,

Data scientist from California

Being able to speak Portuguese opens many doors and helps you adapt faster. People really appreciate when you try to speak their language, even if you make mistakes.

When I started learning Portuguese, I felt like I had become part of the community. Knowing the language helps in everyday situations and in the professional sphere, opening up new career opportunities.

How are the Internet and telecommunications in Portugal?

The telecommunications market in Portugal is regulated by ANACOM—Autoridade Nacional de Comunicações, which ensures fair competition and consumer protection. The regulatory framework supports innovation and investment in new technologies.

Portugal is progressing in digital services and e-government initiatives. The country aims to enhance digital literacy and ensure citizens have access to online public services, contributing to a more connected society.

Portugal boasts extensive broadband coverage, with high-speed internet available in urban and rural areas and fibre-optic connections widespread, particularly in cities.

Internet speeds in Portugal are competitive with other European countries. Major providers offer speeds up to 1 Gbps in many areas, making it suitable for both personal and business use.

Key internet service providers include:

  • MEO,

  • NOS,

  • Vodafone,

  • NOWO.

The introduction of 5G technology is ongoing, promising faster speeds and more reliable connections. Major cities and urban areas are the primary focus for initial 5G deployment.

Traditional landline services are still in use, although mobile and Voice over Internet Protocol services are becoming more popular.

Moving to Portugal from the USA checklist

Flight prices. According to Google Flights, the cost of airfare for one passenger from the US to Portugal varies between $465 and 1,180. The average duration of a direct flight is seven hours.

To predict the cost of transporting things from one country to another is much more complicated: prices may vary from one to several thousand dollars.

Shipping goods. A US citizen moving to Portugal can transport their belongings from the USA to Portugal by water or air. The choice of a particular option to immigrate to Portugal from the US is always individual and heavily depends on the total weight and volume of the freight.

The average cost of transporting 100 lb cargo from the USA to Portugal is $400—600. Shipping a 20ft container of furniture by sea will cost you $1,000 to $3,500, depending on the ports of departure and arrival. The same price range applies to shipping a 550 lbs container by air.

Your baggage will be in Portugal in 1+ weeks if you send it by air and in 1—3 months if shipped by sea.

Customs. When moving from the US to Portugal, following several rules concerning bringing your belongings is essential:

  1. Your belongings must be delivered no later than 90 days after you arrive in Portugal.

  2. You must have a Baggage certificate (Certificado de Bagagem) issued at a Portuguese consulate; this document confirms that the imported items belong to you. The shipment must arrive within 120 days of the issuance of the Baggage certificate.

  3. You can import duty-free households that have been in your possession for at least six months and will not be sold in Portugal after your arrival. The Baggage certificate must contain information about this.

  4. Some items are not allowed to be brought to Portugal. These include meat and milk, protected species, and products as listed by the Washington Convention (CITES).

  5. The import of some items may be restricted or taxed. These include alcohol, tobacco, medicines, new unpacked items, weapons, and vehicles.

  6. You must present a set of documents: a copy of your passport and residence permit, the Baggage certificate, a copy of a Tax Сard with a Portuguese fiscal number (NIF), an inventory list, the proof of having rented or owned housing in Portugal, and a photocopy of an air ticket. Some additional documents may be needed, depending on a particular situation.

Moving pets to Portugal from the US. An American moving to Portugal can take up to five pets with them. If there are more animals to move, commercial activity laws will be applied.

Cats, dogs, and ferrets must be vaccinated against rabies at least 21 days before arrival. Their owners must get an electronic ID for their pets before the trip and register them at the Town Hall (Junta da Freguesia).

Additional documents may be required for dogs if their breeds are classified as dangerous. Such breeds are, for example, Rottweiler, American Staffordshire terrier, Fila Brasileiro, Pitbull terrier, and Tosa Inu. In this case, you may need a special permit and a signed liability term.

Birds should spend up to 30 days in quarantine or undergo vaccination for avian flu H5 and H7 at least 60 days, but no more than six months before the trip.

A health certificate issued in the US is required for every pet.

Portuguese driver’s licence. After obtaining a residence permit in Portugal, you have 90 days to change your driver’s licence to a Portuguese one.

It is advised that you get and notarize with an Apostille Seal an Abstract of Driving Record from your last US state of residence. This document must certify that your driver’s licence is authentic and valid; it should contain information about the date of issuance, licence class, and any suspensions or revocations.

Instead of conclusion: moving to Portugal from the USA — pros and cons

  1. Relocating to Portugal offers numerous benefits for US citizens, such as an affordable healthcare system, a high standard of living, and diverse living environments from the mountains to the ocean.

  2. The process of obtaining a residence permit presented with multiple visa options catering to various needs, including investment, passive income, and remote work.

  3. Portugal’s friendly immigration policies, combined with its safety, mild climate, and cultural richness, make it an attractive destination for Americans seeking a new home.

  4. With its favourable cost of living, quality healthcare, and expat community, Portugal presents an appealing opportunity for those looking to enjoy a better quality of life abroad.

  5. Language barriers may pose challenges, especially in rural areas where English is less commonly spoken.

  6. The job market is rather competitive and wages are generally lower than in the US, which might affect those seeking local employment.

  7. Navigating bureaucracy can be time-consuming and complex, particularly for non-EU citizens.

Immigrant Invest is a licensed agent for citizenship and residence by investment programs in the EU, the Caribbean, Asia, and the Middle East. Take advantage of our global 15-year expertise — schedule a meeting with our investment programs experts.

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Frequently asked questions

  • How much money will I need to move to Portugal?

    It depends on the number of people moving, their age, whether they have pets or not.

    The cost of relocating from the US to Portugal will include:

    • flight tickets;

    • long-term visa fees;

    • renting payment or buying one;

    • medical insurance.

    Moving alone will be less expensive than proceeding with a partner or children. If you’re moving to Portugal as a couple, you should be budgeting around €10,000 to cover yourself.

  • Why are so many Americans retiring in Portugal?

    Portugal is a perfect place to spend your retirement time; the country has a mild climate and quality healthcare and is considered to be pretty safe.

    The D7 visa for people with a stable passive income is especially suitable for American retirees in Portugal. It requires proof of sufficient funds to live in Portugal and have housing.

  • Can an American buy a house in Portugal?

    An American citizen can buy property in any region of Portugal.

  • What happens to my Social Security if I leave the US?

    You do not lose your SSN number if you leave the US. However, generally, if you leave the US for more than six months, you are no longer eligible for Social Security benefits. For more information, see the booklet from the US Social Security Administration.

  • Does Portugal tax US pensions?

    Yes, Social Security benefits are generally taxable in Portugal, but there may be exemptions or deductions available for retirees. Consult with a tax advisor to understand the specific tax implications of your Social Security benefits in Portugal.

  • Where do most US expats live in Portugal?

    Most expat Americans in Portugal live in Lisbon, the Algarve, and Porto.

  • Can US citizens get healthcare in Portugal?

    If you have dual citizenship and hold a Portuguese passport, medical care is available free of charge.

    Portugal Golden Visa holders have full coverage insurance — this is a prerequisite for a residence permit.

  • Can I move to Portugal without a job?

    There are various options for obtaining a residence permit in Portugal, which are suitable for different people. Some of them allow moving to Portugal without a job.

    The Portugal Golden Visa program provides an opportunity to obtain a residence permit in Portugal by investing at least €250,000 in the country’s economy.

    The D7 visa is designed for those with a permanent passive income source outside of Portugal. The source of income does not matter as long as it is legal.

  • What are the cons of living in Portugal?

    Living in Portugal has some pitfalls. For instance, Visa and MasterCard bank cards are not accepted everywhere. But in general, the country is pretty comfortable to live in, with its mild climate, relatively low prices, and beautiful nature.

  • Why are Californians moving to Portugal?

    Living in Portugal has many advantages, including a good balance of quality and cost of living, good medicine, and a high level of security.

  • Can a US citizen move to Portugal?

    A US citizen can enter Portugal without a visa and stay there for 90 days. For a long-term stay in the country, you will need to obtain a long-term visa or residence permit.

    There are various options for getting a residence permit in Portugal, which are suitable for different categories of applicants. They include but are not limited to the Portugal Golden Visa for wealthy investors.

    The D7 visa is designed for individuals with a constant passive income.

    Digital Nomad Visa is the pathway for remote workers to obtain residence permits in Portugal.

  • How long can you stay in Portugal as a US citizen?

    A US citizen can enter Portugal without a visa and stay there for 90 days.

  • Is Portugal safe?

    It is very safe in Portugal. In 2024, Portugal ranked 7th in the Global Peace Index’s top of the safest countries, which takes into account a country’s score on 23 indicators such as the number of serious crimes and prisoners, the extent to which citizens' rights are respected in the country, etc.

  • How to move to Portugal from the USA?

    It is necessary to obtain a residence permit in Portugal. After five years, it is possible to get Portuguese citizenship. Various options for obtaining a residence permit in Portugal suit different people.

    They include the Portugal Golden Visa for wealthy investors and the D7 visa for those with a constant passive income.

  • Is Portugal a good place to live?

    Portugal was ranked 10th world’s best destination for expats in the Expat Insider 2023 survey. The rating compiled by InterNations takes into account many factors in four categories: quality of life, ease of settling in, personal finance, and working abroad.

    Some features that attract foreigners to Portugal are safety, beautiful nature, relatively low cost of living, high living standards, and high-quality medicine and education.

  • How to get residency in Portugal?

    There are various options for obtaining a residence permit in Portugal, which are suitable for different people. The Golden Visa and the D7 visa are most suitable for wealthy foreigners.

    The Portugal Golden Visa program provides an opportunity to obtain a residence permit in Portugal by investing at least €250,000 in the country’s economy.

    The D7 visa is designed for those with a permanent passive income source outside of Portugal.

  • How much money do you need to live comfortably in Portugal?

    A comfortable life in Portugal can be achieved with a monthly budget ranging €1,400—2,300 for a single person, and €2,200—3,500 for a couple. Adjustments to these figures can be made based on individual lifestyle choices and living standards.

  • Is it cheaper to live in Portugal than the US?

    Yes, consumer Prices in Portugal are, on average, 50,4% lower than in the United States.

  • Is it hard to immigrate to Portugal?

    No, there are various options for living in Portugal as an American for the long term, which are suitable for people with different purposes for moving to the country. Some of these options are:

    • Portugal Golden Visa for investors;

    • Portugal D7 visa for those who have a constant passive income;

    • Portugal Digital Nomad Visa for remote workers;

    • Startup visa for foreigners who intend to open a business in the country;

    • Portugal D2 visa for entrepreneurs;

    • Student visas for those who are enrolled in a higher education institution in Portugal;

    • D1 visa for individuals invited to work for a Portuguese employer.

  • Are there international schools in Portugal?

    Yes, Portugal offers education at world-famous schools and universities and a wide range of international general education schools.

  • How to retire in Portugal from the US?

    For American retirees, the most popular visa option is the D7 Visa, also known as the Retirement Visa or Passive Income Visa. This visa is designed for non-EU citizens who wish to live in Portugal and have sufficient passive income to support themselves.

  • Is healthcare in Portugal free?

    Yes, Portugal’s national healthcare system, the Serviço Nacional de Saúde (SNS), covers certain treatment costs for those legally residing and working in Portugal. This option is available for those who pay Portuguese social security (segurança social) and their dependent family members.

    People who work or have worked in both the US and Portugal may also benefit from the Agreement Between the United States and Portugal that helps to avoid paying social security taxes to both countries on the same earnings.

    Expats with Portugal citizenship have access to the public health system.

  • How many people are immigrating to Portugal from the US?

    As of the most recent data, there are approximately 3,254 Americans living in Portugal. This includes both temporary and permanent residents. Out of this total, about 714 Americans were part of recent migration flows, indicating a growing trend of US nationals moving to Portugal​.

  • Do Americans need a Portuguese driver's licence?

    US citizens can drive in Portugal using their US driver’s licence for up to 185 days, as long as they are not legal residents.

    Once they become legal residents, they have 90 days to apply for a Portuguese driver’s licence exchange without needing to take a driving test. During this 90-day period, they may continue to use their US driver’s licence.

  • Do Americans need a tourist visa to enter Portugal?

    US citizens have the right to enter Portugal without a visa and stay there for 90 days. However, for those Americans who wish to stay in Portugal longer, obtaining a residence permit is necessary.

  • Do US expats pay social security tax in Portugal?

    Yes, US expats in Portugal are generally required to pay social security taxes, but there are specific rules and agreements that may affect this obligation.

    The United States and Portugal have a Totalization Agreement, which aims to prevent double taxation on social security and ensures that workers do not lose benefits because they have worked in both countries. This agreement typically means that US expats will only pay social security taxes to one country at a time.

    If you are self-employed, you generally pay social security taxes to the country where you reside. Under the Totalization Agreement, US citizens who are self-employed in Portugal are required to pay social security taxes to Portugal rather than the US.