Of the houses of habitual residence in Portugal, 2,900,093 were occupied by the owner in 2021 (70.0% of the total). However, only 38.4% (1,112,875) had monthly costs for their acquisition. This means that just over a third of owners had monthly expenses for purchasing a house, such as bank payments, according to the study "The Housing Park: Analysis and Evolution 2011-2021", carried out by INE in collaboration with the National Civil Engineering Laboratory (LNEC), based on the results of the 2021 Census.

Looking at the monthly costs arising from the purchase of a house, in 52.8% of homes the expenses were between 200 euros and 399 euros per month. One in five families had expenses between 400 and 649 euros. And only 8.6% incurred home purchase costs exceeding 650 euros per month.

With regard to houses rented for habitual residence (922,810 accommodations), “it was found that 61.4% of accommodations were associated with rent values between 200 and 649 euros, with the average monthly rent being 334 euros ”, highlights INE. When renting, three out of ten families paid rent of less than 199 euros per month. And only 8.5% had costs for the rented house exceeding 650 euros.