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Move to Portugal from USA: Steps and Tips in 2025

Published date:
August 9, 2025
Dean Fankhauser
Written by:
Dean Fankhauser
Reviewed by:
Radica Maneva
Our Editorial Standards:

We use the highest editorial standards at Movingto by ensuring every article is written by a qualified lawyer or immigration expert and fact-checked by a Portugal licensed lawyer. Learn more about our Editorial Process.

Over the last several years, Portugal has quietly become one of the top destinations for Americans relocating abroad, not just for retirement, but also for remote work, long-term investment, and lifestyle change.

With a significantly lower cost of living, access to high-quality healthcare, and a reputation for safety and stability, it’s no surprise that U.S. residency applications to Portugal have surged. According to recent government data, the number of Americans living in Portugal more than doubled between 2019 and 2024, a trend that shows no signs of slowing.

But moving to Portugal involves more than choosing a coastal town and booking a one-way flight.

Between evolving visa categories, recent tax changes, and increasingly complex residency rules, the relocation process in 2025 requires careful planning, strategic decision-making, and, above all, accurate information.

This guide is designed to give you exactly that: a clear, structured overview of how to move to Portugal from the U.S., what it takes to qualify, and how to navigate the realities of living abroad, from finances to culture to bureaucracy.

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Why Are People Flocking to Portugal?

Portugal has emerged as one of the most sought‑after relocation destinations worldwide, offering a rare blend of safety, affordability, and long‑term stability within the European Union.

For individuals and families alike, it represents a practical yet aspirational lifestyle shift. Between 2017 and 2022, the number of U.S. citizens living in Portugal grew by 239 %, rising from roughly 2,900 to nearly 10,000. By 2024 that figure had exceeded 20,959, part of a broader surge of more than 121,000 new long‑term foreign residents entering in 2022 alone.

While U.S. interest continues to grow, Portugal’s appeal spans globally, drawing newcomers from Brazil, Canada, South Africa and the United Kingdom—among the most active nationalities in recent visa and residence‑permit approvals

According to the global liveability index, Portugal ranked among the top three countries for overall lifestyle quality, with particularly strong marks for healthcare, cost of living, and environmental safety. In parallel, the global safety index ranked Portugal as one of the top 10 safest countries in the world, citing its low crime rates, political stability, and consistent legal protections for residents and investors.

Education is another increasingly important factor. Portugal ranked among the top European countries in this year’s best education systems list, due to its network of reputable public universities, international schools, and bilingual programs, particularly in Lisbon, Porto, and Cascais.

Whether you're pursuing permanent residency, retiring abroad, or simply seeking a more balanced lifestyle, Portugal continues to stand out as one of the most reliable and rewarding choices in 2025.

Quality of Life
Portugal’s slower pace of living, emphasis on family and well-being, and vibrant public spaces make it one of the most livable destinations in Europe. It appeals to both individuals seeking work-life balance and retirees looking to simplify their lifestyle.
Accessible Healthcare
Healthcare is publicly funded and affordable, with supplemental private options available for as little as €40/month. Many residents enjoy seamless care with lower out-of-pocket expenses compared to the U.S. or U.K.
Safety
Portugal consistently ranks as one of the safest countries in the world — including #7 in our latest 2025 Global Safety Index. Political stability, low crime rates, and a welcoming social environment make it particularly appealing for solo travelers and families alike.
Mild Climate
From Lisbon to Lagos, the country averages more than 300 days of sunshine each year. This Mediterranean climate draws those looking for an escape from extreme weather and long winters.
Strong Education
Portugal is home to top-tier universities and highly regarded international schools, especially in Lisbon, Cascais, and Porto. For families relocating with children, the availability of English-speaking curricula and affordable tuition makes it an attractive long-term base.
Schengen Mobility
Residents of Portugal benefit from visa-free travel across the Schengen Zone. Whether for leisure or business, it opens access to 25+ European countries with ease — a key benefit for digital nomads and global professionals.

How to Move to Portugal from USA?

street tram eléctricos in portugal
Eléctrico tram on the streets of Portugal

For Americans planning a move to Portugal, getting a handle on the country’s visa and residency options is one of the most important first steps. U.S. citizens can visit for up to 90 days without a visa, but staying longer means applying for a residence visa, something that’s seen a number of important updates heading into 2025.

Whether you're retiring, working remotely, launching a business, or joining family, Portugal still offers multiple visa pathways, each tailored to different life situations.

That said, the landscape has shifted. Real estate is no longer a qualifying route for the Golden Visa, and the once-popular Non-Habitual Resident (NHR) tax regime has been replaced with a more limited structure aimed at professionals in tech, science, and education.

These updates reflect Portugal’s broader effort to refine its immigration model, aligning more closely with evolving citizenship-by-investment policies across Europe.

Citizenship rules are also under review. Though the proposed changes have been delayed, they include extending residency requirements from five to ten years and introducing new cultural and language testing, making it clear that access to Portuguese citizenship could soon become more rigorous (here’s the latest, and more detail).

Still, Portugal remains one of the most accessible European destinations for Americans. Securing Portuguese residency is a relatively smooth process if you meet the criteria, and the country continues to attract newcomers with its climate, healthcare, and overall quality of life.

Below, we break down the six most relevant visa options and what’s changed with each.

Portugal Golden Visa Program

Discover how the Portugal Golden Visa makes it happen

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Best for: Investors looking for a flexible residency route without the need to relocate full-time

Portugal’s Golden Visa program remains a popular choice for investors who want a foothold in Europe, offering residency, access to the Schengen Area, and a path to citizenship, all without the need to move full-time.

Unlike other visas, it allows for minimal physical presence (just seven days per year on average), making it ideal for those with international commitments or second-home goals.

That said, the rules have changed: as of October 2023, real estate is no longer a qualifying investment route. Instead, applicants now need to invest in strategic sectors of Portugal’s economy, from tech and research to arts and business development.

Qualifying Investment Options

  • €500,000 in regulated investment funds
  • €250,000 contribution to cultural or heritage projects
  • €500,000 investment in scientific research
  • €500,000 into a company that creates at least five jobs.
  • The incorporation of a new business will create local jobs.

The Golden Visa continues to be one of the most efficient pathways to long-term EU residency, particularly for high-net-worth individuals who want optionality, global mobility, and a future citizenship route.

Portugal D8 Visa (Digital Nomad Visa)

Check out our D8 Digital Nomad Visa Guide

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Portugal’s Digital Nomad Visa was introduced in late 2022. It was built with location-independent professionals in mind. If you're working remotely for a non-Portuguese employer or running a freelance business abroad, the D8 visa offers a straightforward route to residency while keeping your global job intact.

Unlike more investment-heavy options like the Golden Visa, the D8 is designed for active earners, particularly those in tech, marketing, consulting, or any field that doesn’t require a fixed local presence.

To qualify, applicants need to show a monthly income of at least €3,280 (4x Portugal’s minimum wage), sourced from remote employment or ongoing contract work.

Key Benefits

  • Legal residency is granted while working remotely for a foreign company.
  • Access to healthcare and public services
  • This visa allows for full-time living in Portugal without the need to start a local business.
  • This visa provides a pathway to permanent residency or citizenship after five years.s

This visa has quickly become a favorite for digital nomads relocating from the U.S., UK, and Canada, especially those seeking a European base with global reach.

Portugal D7 Visa (Passive Income Visa)

D7 Passive Income Visa Guide

Click to Read

Best for: Retirees and individuals with stable income from non-salaried sources.

The D7 visa is one of Portugal’s most popular residency routes, especially among retirees, remote income earners, and those looking for a more relaxed lifestyle without the need to work locally or make large investments.

It’s designed for individuals who can demonstrate consistent income from outside Portugal, such as pensions, dividends, rental income, or royalties. Unlike the Digital Nomad Visa, which is based on active employment, the D7 suits those with passive financial stability.

To qualify in 2025, you’ll need to show a minimum income of €760/month (the current Portuguese minimum wage), with additional amounts required for dependents.

Key Benefits

  • Full residency rights with access to healthcare, education, and local services
  • No business or investment obligations
  • Low cost of entry compared to other visa options
  • Eligible for permanent residency or citizenship after five years
  • Ideal for long-term relocation with fewer bureaucratic hurdles

D2 Entrepreneur Visa

Learn more about the D2 Visa Guide

Click to Read

Best for: Entrepreneurs, freelancers, or small business owners aiming to launch or expand in Portugal

The D2 visa is tailored for individuals who want to establish or relocate a business to Portugal, whether that’s a boutique consultancy, a tech startup, or a small-scale local operation. It’s one of the few visas where your idea matters as much as your income.

The D2 is centered around economic contribution. Applicants typically submit a business plan, proof of financial backing, and a clear strategy for how their work will create value in Portugal, including potential job creation or service to underdeveloped sectors.

There’s no fixed minimum investment, but most successful applicants demonstrate access to at least €50,000–€100,000 in capital or working funds, along with a Portuguese business address or setup plan.

Portugal is particularly open to:

  • Entrepreneurs using Lisbon or Porto as EU launchpads
  • Freelancers offering professional services (design, legal, marketing, etc.)
  • Tourism-related businesses or niche local ventures
  • Tech or sustainability startups linked to local innovation hubs

While it involves more groundwork than other visas, the D2 offers serious long-term advantages, especially for founders looking to integrate fully into the Portuguese business ecosystem.

How to Apply for Permanent Residency

After legally residing in Portugal for five consecutive years under a valid residence visa, you may be eligible to apply for permanent residency.

The process is overseen by AIMA (Agência para a Integração, Migrações, e Asilo).

Complete 5 Years of Legal Residency You must have held a valid residence permit continuously for five years. Temporary absences are allowed, but you must have physically spent most of your time in Portugal.
Gather Required Documentation You'll need your passport, current residence permit, proof of legal income, clean criminal record (both local and U.S.), and Portuguese address registration (NIF + SEF/AIMA proof).
Demonstrate Basic Portuguese Language Skills A Level A2 certificate (basic conversational ability) is required, typically obtained through an official Portuguese language test or government-accredited course.
Submit Application to AIMA Apply through your regional AIMA office or online. Processing times vary but typically take 3–6 months. An in-person appointment and biometrics may be required.
Maintain Ties to Portugal Permanent residents must continue spending most of their time in Portugal. If you're planning to apply for citizenship next, ensure you’re meeting residency days and integration requirements.

Once approved, permanent residency grants nearly all the rights of citizenship, including access to public healthcare, education, and social security, without the obligation to renounce your current nationality.

It also opens the door to apply for Portuguese citizenship after five more years of legal residence, provided language and integration requirements are met.

Cost of Living Portugal vs. the USA

the bustling streets of Lisbon
The bustling streets of Lisbon

Compared to major U.S. cities, Portugal continues to offer a more affordable and stress-free lifestyle and that’s a big reason why so many Americans are relocating. Whether you're moving solo or with a family, the monthly costs for essentials like rent, groceries, and transport remain considerably lower, even in larger cities like Lisbon or Porto.

Based on 2025 data, a single person living in Lisbon typically spends €1,600 to €2,000 per month, while a family of four might budget around €3,500 to €4,500, depending on lifestyle and location. Outside the urban hubs, monthly expenses can drop by up to 30%, offering even better value in regions like the Algarve or northern Portugal.

Groceries, dining out, and transportation all tend to cost less than their U.S. counterparts. A cappuccino that averages over €4.80 in New York costs under €2 in Lisbon. Market-fresh produce, local meats, and seafood are not only more affordable, they're also held to higher EU standards, banning things like hormone-fed livestock, chlorine-washed chicken, and certain pesticides still legal in the U.S.

Healthcare is another area where expats see major savings. Public services are accessible to residents with minimal co-pays, and private insurance plans range from €40 to €100 per month, offering quick access to quality care without the massive bills many Americans are used to.

Even when it comes to education, transportation, and fitness, from preschool tuition to gym memberships — Portugal consistently delivers lower costs with fewer trade-offs. The average rent for a one-bedroom apartment in Lisbon’s city center, for instance, ranges from €800 to €1,300, compared to $3,000+ in most U.S. metros.

Category Lisbon Porto Faro
Rent (1-bedroom, city center) €800–€1,300 €700–€1,000 €650–€950
Rent (1-bedroom, outside center) €600–€900 €500–€750 €500–€700
Groceries (monthly estimate) €250–€320 €230–€300 €220–€280
Utilities (electricity, gas, water) €120–€160 €110–€150 €100–€140
Internet (60 Mbps or more) €35–€45 €30–€40 €30–€40
Dining Out (mid-range, 2 people) €45–€60 €40–€55 €35–€50
Public Transport (monthly pass) €42 €35 €30
Gym Membership (monthly) €45 €40 €35
Preschool (private, monthly) €400–€600 €350–€500 €300–€450
Primary School (private, annual) €7,500–€9,000 €6,500–€8,000 €6,000–€7,500

In short, Portugal’s cost of living isn’t just lower, it’s smarter. You get more quality for what you spend, making everyday life more enjoyable and financially sustainable. Whether you're here for a year or a lifetime, it adds up quickly.

Economic Indicators

Understanding how Portugal stacks up economically is essential when weighing your relocation decision. Here's a snapshot of the most recent figures:

Inflation Rate Portugal had an inflation rate of 3.0% in December 2024, whereas the USA’s inflation rate stood at 3.4% during the same period.
Minimum Wage Portugal’s minimum wage increased to €870 ($940) per month, whereas the USA's federal minimum wage remains at $7.25 per hour, though state wages vary.
GDP Growth Portugal’s economy is expected to grow by 2.2% in 2025, whereas the USA’s GDP is projected to grow at 2.0%.
Unemployment Rate Portugal's unemployment rate decreased to 6.2% in early 2025, whereas the USA reported a lower unemployment rate of 3.8%
Cost of Living Index Portugal ranks significantly lower on the Cost of Living Index at 47.5 whereas the USA is much higher at 3.2, reflecting higher overall expenses.

This comparison highlights why many Americans find Portugal a more affordable and economically viable destination for relocation.

Housing Costs: Rent & Ownership

Compared to most urban areas in the United States, housing in Portugal remains remarkably affordable. Whether you're looking to rent in a city center or purchase a coastal getaway, the real estate market offers attractive options for expats on a range of budgets.

If you’re considering buying a home, the process for Americans is relatively straightforward. You'll need to apply for a Portuguese tax number (NIF), designate a fiscal representative if you’re not a resident, and opening a local bank account is strongly recommended.

Beyond that, there are no citizenship restrictions preventing U.S. citizens from owning property in Portugal.

For renters, the numbers speak for themselves. Based on 2025 data, here’s what you can expect for monthly rent:

Housing Category Lisbon Porto Faro
1BR Apartment (City Center) €1,050 €850 €800
1BR Apartment (Outside Center) €750 €600 €580
2BR Apartment (City Center) €1,400 €1,150 €1,000
2BR Apartment (Outside Center) €1,100 €900 €850
3BR Apartment (City Center) €1,900 €1,600 €1,450
3BR Apartment (Outside Center) €1,450 €1,200 €1,100
Rental Price per m² (City Center) €17.50 €14.20 €13.80
Rental Price per m² (Outside Center) €12.00 €9.80 €9.40
Monthly Family Budget Estimate €4,200 €3,600 €3,300
Monthly Budget for Single Adult €1,850 €1,600 €1,500

Outside the big cities, costs are even lower, especially in Portugal's interior regions or smaller towns.

It’s not uncommon to find rental prices 30–40% below Lisbon rates, making it ideal for retirees or remote workers seeking tranquility and affordability.

Food and Dining in Portugal

What's the first thing Americans notice when they relocate to Portugal? Grocery bills and restaurant tabs feel noticeably lighter.

Dining out is not just affordable; it’s also a cultural norm. Whether it’s a three-course lunch menu in Lisbon for under €15 or a glass of local wine in Porto for €2.50, eating well doesn’t have to break the bank. Even in coastal regions like the Algarve, where fresh seafood is a staple, prices remain well below those in the U.S.

Beyond affordability, Portugal’s food quality stands out. Thanks to strict EU regulations, the country banned many practices that remain common in American food production, including:

  • Chlorine-washed poultry
  • Growth hormones in meat and dairy
  • Genetically modified ingredients without labeling
  • Certain pesticides are still permitted in the U.S.

Local markets brim with seasonal produce, artisanal cheeses, and freshly baked bread, offering not just savings but a lifestyle centered around clean, flavorful eating.

Healthcare and Insurance Costs

Portugal offers a strong, accessible healthcare system that balances quality with cost, a giant draw for American expats.

Residents can access the public system (Serviço Nacional de Saúde, or SNS) by registering at their local Centro de Saúde and obtaining a user card (Cartão do Utente). While some services require small co-pays, many routine visits and emergency treatments are fully covered or heavily subsidized.

For those who prefer faster service or more flexibility, private health insurance is widely available and affordable. As of 2025, most private plans cost between €40 and €100 per month, depending on age, provider, and coverage. This offers peace of mind without the steep premiums seen in the U.S.

Whether you go public or private, Portugal's healthcare consistently ranks among the best in Europe for expats, with shorter waits than systems like the UK, and significantly lower costs than in the U.S.

Portugal Residency Options

If you’re planning to make Portugal your home for more than just a quick visit, it’s important to understand how residency works. Americans can enter visa-free for up to 90 days, but beyond that, they’ll need a legal residency pathway.

In 2025, Portugal offers a mix of visa and residency routes tailored to different situations, from retirement and remote work to entrepreneurship, study, and investment.

Recent reforms, including the removal of real estate from the Golden Visa and the shift to the AIMA migration authority, have reshaped the application process.

90-Day Visa-Free Entry U.S. citizens can visit Portugal for up to 90 days without a visa for tourism or business purposes in a 180-day period.
Diverse Residency Pathways Options like passive income (D7), remote work (D8), entrepreneurship (D2), investment (Golden Visa), studies, work, and family reunification are available.
Golden Visa Overhaul Since October 2023, real estate is no longer eligible. New routes include investment funds, job creation, research, or cultural heritage.
AIMA Processing Times The SEF agency transitioned to AIMA in 2023, launching reforms to clear a backlog of pending cases.
Permanent Residency in 5 Years After five years holding a valid residence permit, most applicants can apply for permanent residency and eventually citizenship.
Family Reunification Most visa routes allow spouses and dependents to join the primary applicant, granting access to local education, healthcare, and work rights.

Once you secure a residence permit, the benefits go beyond simply staying in the country. Most routes allow for renewals leading to permanent residency after five years, and eventually citizenship, provided you meet requirements like language proficiency and integration.

Family members can often join you, gaining access to education, healthcare, and work rights.

Where to Live: Best Cities for Americans in Portugal

Portugal’s appeal lies in its variety. From historic cities to coastal villages, the country offers a mix of lifestyle options to match your pace, budget, and priorities.

Here’s a snapshot of eight popular destinations for Americans making the move.

Lisbon

The capital—vibrant, international, and fast-paced.

Avg. Rent (1BR, Center)
€1,100/month
Vibe
Cosmopolitan & Fast-Paced
Popular With
Young Professionals, Digital Nomads
Sunshine Days (Avg)
~280 per year

Lisbon is Portugal’s largest city and a favorite among expats who want energy, convenience, and access to world-class dining, culture, and business.

It’s well connected by public transport and offers a strong mix of modern amenities and historic charm. Rents are higher here, but the international schools, coworking hubs, and overall lifestyle keep it in high demand.

Porto

Portugal’s creative and cultural second city.

Avg. Rent (1BR, Center)
€850/month
Vibe
Creative & Laid-Back
Popular With
Artists, Remote Workers
Sunshine Days (Avg)
~220 per year

Porto moves at a slower rhythm than Lisbon but offers an equally rich experience. With colorful riverside neighborhoods, emerging tech and design industries, and a growing community of creatives, it’s ideal for those who want a city vibe without the chaos. It's also more affordable and well-suited for young families and professionals.

Cascais

A coastal town with sophistication and sea breeze.

Avg. Rent (1BR, Center)
€1,200/month
Vibe
Upscale Coastal
Popular With
Families, Retirees
Sunshine Days (Avg)
~300 per year

Just 30 minutes from Lisbon, Cascais offers ocean views, upscale living, and a quieter pace. Popular among families and retirees, it blends a resort feel with excellent infrastructure, walkable streets, and international schools.

It's pricier than other towns, but for those who want proximity to Lisbon without the city’s hustle, it's a top choice.

Faro (Algarve)

Gateway to Portugal’s sunny southern coast.

Avg. Rent (1BR, Center)
€850/month
Vibe
Sunny & Slower-Paced
Popular With
Retirees, Nature Lovers
Sunshine Days (Avg)
~310 per year

Faro serves as the Algarve’s capital and is more than just a travel hub. With a livable pace, access to beaches, and a historic old town, it's ideal for retirees or anyone seeking year-round sun.

Although Faro is less international than Lisbon, it has a lower cost of living and a steadily growing expat infrastructure.

Lagos (Algarve)

Where surf culture meets small-town charm.

Avg. Rent (1BR, Center)
€800/month
Vibe
Beachy & Chill
Popular With
Surfers, Digital Nomads
Sunshine Days (Avg)
~300 per year

Lagos is a favorite for expats looking to enjoy a more laid-back lifestyle without losing access to amenities. The area is known for its beaches, walkable downtown, and active international community.

It's particularly popular with remote workers and young families seeking community, nature, and nutritious food at a slower rhythm.

Braga

An inland gem with history and affordability.

Avg. Rent (1BR, Center)
€600/month
Vibe
Traditional & Family-Friendly
Popular With
Families, Students
Sunshine Days (Avg)
~230 per year

Often overlooked, Braga is one of Portugal’s oldest cities—but don’t let that fool you. It’s youthful, thanks to a large student population, and its affordability makes it attractive for long-term living.

The quality of life is high, with great healthcare, green spaces, and modern conveniences at a fraction of Lisbon’s cost.

Aveiro

The “Venice of Portugal” with canals and calm.

Avg. Rent (1BR, Center)
€500/month
Vibe
Rural & Warm
Popular With
Retirees, History Buffs
Sunshine Days (Avg)
~310 per year

Aveiro is a picturesque city with waterways, art nouveau buildings, and a relaxed vibe. It's well located between Porto and Coimbra and offers a slower pace of life that appeals to both retirees and younger families.

With low housing costs and excellent seafood, it’s ideal for those who want something off the beaten expat track.

Coimbra

Coimbra is Portugal’s university city known for its character and tranquility.

Avg. Rent (1BR, Center)
€550/month
Vibe
Academic & Historical
Popular With
Students, Budget Expats
Sunshine Days (Avg)
~240 per year

Coimbra strikes a balance between culture and calm. Known for its prestigious university and historic center, it's affordable, well-connected, and great for long-term living.

The city has a strong local identity and fewer tourists, making it attractive for those who want to integrate into Portuguese life without breaking the bank.

Financial Considerations

Before you can truly settle into life in Portugal, there are a few financial essentials to get in order. These include obtaining your NIF (Número de Identificação Fiscal), opening a Portuguese bank account, and understanding how taxes will apply to you as a resident.

1. Obtain Your NIF

The NIF is Portugal’s tax identification number, and you’ll need it for almost every financial and legal transaction, from signing a rental contract to opening a bank account.

You can apply in person at a Finanças office or a Loja do Cidadão (citizen shop). If you’re still abroad, a fiscal representative or lawyer can obtain it on your behalf. You’ll need a valid passport or national ID, plus proof of address.

2. Open a Portuguese Bank Account

Once you have your NIF, you can open an account with most Portuguese banks, such as Caixa Geral de Depósitos, Millennium BCP, Novo Banco, Banco Santander Totta, and ActivoBank.

Having a local account makes it easier to pay bills, receive payments, and manage expenses. Some banks now allow remote account openings for non-residents, although in-person applications remain common.

Inflation Rate Portugal had an inflation rate of 3.0% in December 2024, whereas the USA’s inflation rate stood at 3.4% during the same period.
Minimum Wage Portugal’s minimum wage increased to €870 ($940) per month, whereas the USA's federal minimum wage remains at $7.25 per hour, though state wages vary.
GDP Growth Portugal’s economy is expected to grow by 2.2% in 2025, whereas the USA’s GDP is projected to grow at 2.0%.
Unemployment Rate Portugal's unemployment rate decreased to 6.2% in early 2025, whereas the USA reported a lower unemployment rate of 3.8%
Cost of Living Index Portugal ranks significantly lower on the Cost of Living Index at 47.5 whereas the USA is much higher at 3.2, reflecting higher overall expenses.
Valid ID Passport or national identity card.
Proof of Address Utility bill, rental contract, or official mail from the last 3 months.
NIF Certificate Your Portuguese tax identification number.
Proof of Income or Employment Payslip, work contract, pension statement, or unemployment registration.
Portuguese Phone Number Needed for SMS activation and security.
Initial Deposit Usually required: €150–300 in cash or transfer, depending on bank policy.

3. Understand Your Tax Position

Before moving, it’s important to understand how your income will be taxed. While the previous Non-Habitual Resident (NHR) program closed to new applicants in 2024, Portugal introduced the Tax Incentive for Scientific Research and Innovation (IFICI) in 2025.

The program offers a 20% flat rate on certain Portuguese-source income for eligible professionals in innovation, tech, research, and education for up to ten years, along with exemptions on some foreign-source income.

If you have foreign pensions or investment income, be aware that these are now taxed at Portugal’s progressive rates unless you’re covered by older NHR rules.

For U.S. citizens, remember you’ll still have to file a U.S. tax return each year. The U.S.–Portugal tax treaty and the Foreign Earned Income Exclusion can help reduce double taxation, but cross-border tax advice is strongly recommended.

Tax Incentives and Benefits

Portugal’s old Non-Habitual Resident (NHR) scheme is now closed to new applicants. A transition window carried some edge cases into 2024/early 2025, but for newcomers the game has changed.

In its place, Portugal introduced a targeted incentive often nicknamed “NHR 2.0”—officially the Tax Incentive for Scientific Research and Innovation (IFICI). It’s designed for qualified roles in research, tech, higher education, and innovation-driven businesses.

If you qualify, employment or self-employment income from eligible activities can be taxed at a flat 20% for up to 10 years, with exemptions on certain foreign-source income (exemption with progression). It’s narrower than the old NHR, but still powerful for the right profiles.

A few guardrails apply. You generally must not have been a Portuguese tax resident in the previous five years, and you can’t combine IFICI with the former NHR or “ex-resident” regimes. There are formal registration steps and timelines once you become a resident, which are worth planning before you move.

What about pensions? Under the classic NHR, many newcomers enjoyed favorable pension treatment (e.g., 10% flat). That no longer applies for new applicants. Today, foreign pensions are taxed under Portugal’s normal progressive rates unless you’re grandfathered under the old rules.

U.S. citizens still file with the IRS. Tools like the Foreign Earned Income Exclusion and the U.S.–Portugal tax treaty can reduce double taxation, but outcomes vary—this is where a cross-border tax pro pays for themselves.

If you want, I can also give you a tiny mid-page list (in your red-bar HTML style) with just the 5 must-knows from this section.

Portugal Golden Visa Investment Funds

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Bureaucracy & Paperwork: Getting Set Up in Portugal

Moving to Portugal can feel like stepping into a postcard… until you hit the paperwork.

The good news is that with a clear plan (and a bit of patience), you can get your essentials sorted without losing your mind.

Top 3 Must-Do Steps

  1. Apply for Residency
    Once you’ve entered on the correct visa, book your AIMA appointment as soon as possible. Bring two copies of every document—Portugal is fond of paperwork duplicates.
  2. Register with the National Health Service (SNS)
    If you’re a resident, you can register at your local health center for access to public healthcare. You’ll usually need your residency certificate and proof of address.
  3. Get a Social Security Number (NISS)
    Required if you plan to work or run a business. This can be arranged through the Social Security office once you have residency.
  4. Update Your Tax Residence
    If you’ve moved permanently, notify your home country’s tax authority and register as a tax resident in Portugal to avoid complications.

AIMA Delays & Practical Tips

The AIMA (Agency for Migration and Asylum) has been dealing with significant backlogs, meaning residency appointments can take months to secure.

Pro tips:

  • Book your appointment as soon as you arrive.
  • Keep digital copies of all documents.
  • Be prepared for rescheduling, and yes, sometimes with short notice.
  • Consider legal help to speed up or troubleshoot your process.

Ideal vs Realistic Timeline

Step Ideal Timeline Realistic Timeline
Get NIF 1–3 days 1–2 weeks (online), same-day if in person
Open Bank Account 1–2 days Up to 2 weeks (depending on bank)
Book AIMA Appointment Within 1 week of arrival 1–4 months wait time
Receive Residency Card 2–3 weeks after appointment 1–3 months

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Climate and Scenery

portugal's lush vegetation and nature
Portugal's lush vegetation and nature.

Americans are also drawn to Portugal’s Mediterranean climate and stunning landscapes. With consistently mild temperatures and over 300 days of sunshine every year, Portugal is one of the most pleasant Western European countries to live in.

As a European country, the diverse types of weather in Portugal include cool and wet conditions in the north and central regions, mild and rainy winters in the north, and warm and sunny summers in the center and south. This combination makes it an attractive destination, not only for Americans but also for people from other western European countries.

The natural beauty of Portugal adds to the country’s charm. From the beautiful beaches and picturesque historic towns to sun-kissed vineyards, Portugal offers breathtaking landscapes to its residents. Whether you’re a nature lover or a city dweller, Portugal has something for everyone.

Weather Advantages

In Portugal, you can enjoy a pleasant climate throughout the year. With mild winters and warm summers, especially in regions like Lisbon, Portugal’s climate is a major draw for Americans. The country enjoys between 2500 and 3200 hours of sunshine annually, making it a great place for those who love the sun.

Portugal’s climate varies by region, offering a diverse range of climates across its territories. Here are some key characteristics of the different regions:

  • The south enjoys arid conditions
  • The northwest receives plenty of rainfall
  • The northeast boasts long and warm summers, with the sea temperature staying between +13°C and +19°C year-round

This diversity in climate means that you can choose a region that suits your personal preferences when moving to Portugal.

Natural Beauty

coastal beauty of Portugal
The coastal beauty of Portugal.

Portugal is renowned not only for its wonderful climate but also for its natural beauty. The country’s breathtaking landscapes encompass beautiful beaches, picturesque historic towns, and the sun-kissed vineyards of Western Europe.

There are stunning natural beauty spots in popular regions like the Algarve Region, known for its breathtaking coastline and picturesque countryside in southern Portugal, as well as scenic cities such as Lisbon, Porto, Braga, and Aveiro, among others.

Among Portugal’s natural gems are its stunning beaches. From Praia da Prainha to Praia do Carvalho and Praia da Marinha, Portugal boasts a wide array of beautiful beaches that are perfect for sunbathing, swimming, or just enjoying the view.

Safety and Peacefulness

peaceful and rural villages of portugal
The peaceful and rural villages of Portugal.

The safety and peacefulness that Portugal offers are another reason to consider moving there. Portugal offers:

  • One of the safest countries in the world to live in
  • A peaceful environment for Americans to reside and raise their families
  • It ranks 7th on the Global Peace Index, making it significantly safer than the USA.

Portugal’s crime rate is also significantly lower than the average for the European Union. With a crime rate of 2,208 reported offenses per 100,000 population in 2018, the country has relatively low violent crime rates. This makes Portugal a great place to live, especially for families with children.

Job Opportunities and Remote Work

The burgeoning tech industry and the well-established tourism sector in Portugal offer an array of exciting job opportunities. The tech industry is thriving in Portugal, especially in cities like Lisbon and Porto, where both startups and established firms are flourishing thanks to the abundance of skilled labor and favorable business conditions.

For those who prefer to work remotely, Portugal offers a growing remote work culture and has introduced the Digital Nomad Visa. This visa requires a minimum earning of €3,280 a month, allowing individuals to live and work remotely in Portugal. This opens up an amazing opportunity for Americans seeking to work remotely in a beautiful and vibrant country like Portugal.

Vibrant Expat Community

expat community in portugal
Expat community in Portugal.

Americans looking to integrate into their new home will find a welcoming and supportive environment in Portugal’s large and diverse expat community.

In major cities like Lisbon and Porto, Americans will find a lively expat community comprising people from around the world. This can facilitate integration into the local community and provide opportunities to make new friends.

The expat community in Portugal is vibrant and diverse, consisting of many retirees, digital nomads, and young families. The biggest expat communities are located in the Algarve, Lisbon, and Porto, which are vibrant and welcoming places for expats to settle in.

Rich Culture and Traditions

For Americans relocating to Portugal, the country’s centuries-old heritage, vibrant traditions, and deep sense of community offer a lifestyle that’s as enriching as it is welcoming.

Life here is often punctuated by colorful celebrations, from the lively Carnaval and the solemn beauty of Holy Week to Porto’s famous Festa de São João, the enchanting Sintra Festival, and even the spectacular International Sand Sculpture Festival (FIESA) on the Algarve coast.

Family remains the cornerstone of Portuguese society, with strong intergenerational bonds and a commitment to spending time together forming the heart of daily life.

Social connections are equally cherished; locals take time to engage in conversation, nurture friendships, and welcome newcomers into their circles.

For expats, this tight-knit social fabric means it’s possible to feel at home quickly, not just by living in Portugal, but by truly becoming part of its community.

Preparing for the Move: Documentation and Logistics

portuguese documentation and logistics from USA
Sorting Portuguese documentation and logistics for moving from USA

With a clearer understanding of the visa options, let’s examine in more depth the logistics involved in preparing for the move.

This involves gathering essential documents, shipping your belongings, and finding suitable accommodation.

Gathering Essential Documents

One of the most critical steps in the relocation process is gathering the necessary documents. These include:

  • Passports
  • Visas
  • Birth certificates
  • Marriage certificates
  • Other relevant paperwork

The necessity of collecting these documents cannot be emphasized enough. They are needed for legal procedures like visa applications, registration with Portuguese authorities, and facilitating a seamless entry into the country. It is advisable to contact your local Portuguese consulate for assistance in obtaining these documents.

If you need to obtain certified copies of birth or marriage certificates in the USA, here are a few options:

  • Please contact the vital records office in the state where the event took place.
  • For marriage certificates, you can also apply at the county clerk's or recorder’s office in the jurisdiction where the marriage took place.
  • After the ceremony, a certified copy of the marriage certificate can be issued upon request.

Shipping Belongings

After you’ve assembled all the required documents, the next step is to organize the shipping of your belongings to Portugal. You can choose between sea freight or air, depending on your budget and timeline.

The typical expenses for shipping personal items from the US to Portugal via air freight range from $1,690 to $1,790 for specific routes, with an estimated cost of approximately $4.10 per kg for shipping boxes and pallets weighing between 250 lbs. and 3,500 lbs.

Sea shipping costs can range significantly depending on the size and quantity of belongings, with shipping from New York to Lisbon costing around $1,580 and taking 12 days, while shipping from Los Angeles to Porto costs approximately $3,360 and takes 39 days.

If you’re wondering how long it takes to ship your belongings, it generally takes 2 to 4 business days through air freight, whereas it takes approximately 159 days via sea travel.

Shipping Method Route Cost Time Weight/Size
Air Freight US to Portugal $1,690 - $2,000 2-4 business days 250 lbs to 3,500 lbs
Sea Freight (20ft Container) New York to Lisbon $2,385 - $2,961 12-21 days Full Container Load
Sea Freight (20ft Container) Los Angeles to Lisbon $1,974 - $2,812 21 days Full Container Load
Sea Freight (20ft Container) Los Angeles to Porto $3,360 39 days Full Container Load
Sea Freight (40ft Container) Los Angeles to Lisbon $8,665 21 days Full Container Load

Finding Accommodation

Securing accommodation in Portugal is another key step in the process of relocating. Several online platforms can assist you in finding suitable accommodation, including:

  • Idealist
  • Imovirtual
  • Uniplaces
  • Airbnb
  • OLX
  • Toad House
  • Booking.com
  • Hotels.com
  • VRBO
  • BQuarto
  • CustoJusto
  • Sapo.pt

The reputation of real estate agents in Portugal is somewhat varied. While there are reliable agents that provide valuable assistance in the search for accommodation, it’s important to be cautious and do thorough research, considering multiple agents before committing.

Once you have selected a property, you will need to sign a rental agreement or purchase contract. Ensure that you understand all the terms and conditions of the agreement before signing.

Adapting to Life in Portugal

living life in portugal
Living the life in Portugal

Once the logistics of the move are managed, the focus shifts to adapting to life in Portugal. This involves learning the language, embracing the local cuisine, and building a social network.

Language and Communication

The official language of Portugal is the Portuguese language. Although not mandatory for relocating to the country, learning Portuguese is advantageous for daily activities and is a requirement to pass a language test for eligibility to become a Portuguese citizen.

Beginners can effectively learn Portuguese by listening to Portuguese music, using language-learning apps, taking classes or lessons with a tutor, and practicing with native speakers.

Though learning Portuguese is advantageous, it’s reassuring that English is commonly spoken in Portugal, particularly in large cities such as Lisbon. Therefore, you can definitely get by with English while you’re working on your Portuguese skills.

Food and Cuisine

Food carries significant cultural importance, and this holds true for Portuguese cuisine as well. It features a wide variety of dishes heavily influenced by the availability of fresh seafood, such as:

  • Bacalhau (salted cod)
  • Cataplana de marisco (seafood stew)
  • Amêijoas (clams)
  • Percebes (goose barnacles)
  • Carabineiros (scarlet prawns)
  • Lingueirão (razor clam)

Traditional Portuguese dishes like Bacalhau a Bras and Ameijoas a Bulhao Pato offer a different palette of flavors compared to typical American dishes such as Key lime pie, Tater tots, and Cobb salad.

In addition to the main dishes, Portugal offers a range of locally produced items, such as almond milk, olive oil, and wine, which are considered everyday items in Portugal but are often considered luxury goods in the US.

Therefore, embracing the local cuisine allows you to enjoy delicious meals and gives you a more profound understanding of Portuguese culture.

Social Life and Networking

Establishing a social network in Portugal can be immensely fulfilling. There are various social groups and events for expats in Portugal, including Expat Groups and Clubs, ExpatsPortugal.com, and Americans in Portugal Expat Group. For local networking events, expats can attend networking events in Portugal, specifically in Lisbon.

Understanding Portuguese and cultural norms can aid in forming connections and camaraderie with locals. It provides a deeper insight into the culture and customs, which is essential for respectful and appropriate interactions while networking and socializing in Portugal.

When interacting with neighbors and colleagues in Portugal, it’s important to be knowledgeable about business and social etiquette. This includes:

  • Conduct during meetings
  • Communication
  • Conversation topics
  • Table manners

These elements play a significant role in establishing strong professional and social relationships.

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Healthcare and Education

Finally, let’s examine two vital facets of life in Portugal: healthcare and education. Both are important factors for US citizens moving to Portugal, with options for both public and private healthcare and a range of international schools.

Healthcare System

portugal healthcare for americans
Portugal Healthcare for Americans

Portugal’s healthcare system offers universal coverage, guaranteeing fair access for all residents, and allocates a larger portion of its health budget to outpatient care than other EU countries. This arrangement is in contrast to the United States’ healthcare system.

As a resident of Portugal, access to the Serviço Nacional de Saúde (SNS) is possible with a small fee after registering in the National User Register. To register, individuals need to sign up with social security (Seguranca Social) and visit their local health center to fill out the required forms.

The healthcare system in Portugal is generally free of charge for all citizens and legal residents. This ensures accessibility to medical services for the population.

However, there are charges for certain services, such as emergency rooms, family doctors, and ambulance services. The cost of an appointment with a general practitioner is usually less than 60 euros.

International Schools and Higher Education

If you’re relocating with your family, it’s important to weigh your school options. Some of the top international schools in Portugal include the following:

  • St. James’ Primary School
  • Oeiras International School
  • St. Dominic’s International School
  • United Lisbon
  • Greene’s College, Oxford
  • Prime School International
  • PaRK International School
  • King’s College School, Cascais

These schools have distinguished reputations and offer a variety of curricula, including those for the International Baccalaureate (IB) and British A Levels.

They also provide education in various languages, including English, French, German, Spanish, and Mandarin, catering to the needs of international families.

To gain admission, you will need to provide a completed enrollment form and a copy of the student’s passport. Some schools may also require previous school reports and a letter of recommendation from a previous teacher.

Summary

  • Portugal offers a favorable climate, low living expenses, and a strong expat community, attracting Americans to relocate there. After five years of legal residency, there is an option for permanent residency or citizenship.
  • There are several visa options for US citizens moving to Portugal, including the Golden Visa, D7 Retirement Visa, D2 Entrepreneur Visa, and Digital Nomad Visa, each with specific eligibility criteria and benefits suited to different needs.
  • Preparation for moving includes gathering essential documents, shipping belongings, and finding accommodation; integrating involves adapting to the local language and culture; and financial setup includes opening a bank account and understanding the tax system.

Frequently Asked Questions

What are the estimated upfront costs of relocating to Portugal (visa, shipping, deposits)?

Relocation costs vary, but here’s a general breakdown for a single American citizen moving to Portugal. Remember to bring a valid passport with at least six months before expiration.

  • Visa Application (D7/D8/D2): $100 – $250
  • Flight to Portugal: $500 – $1,200
  • Initial Accommodation Deposit (1–2 months): $800 – $2,500
  • NIF & Bank Account Setup: $0 – $150
  • Shipping Belongings: $1,500 – $4,000
  • Misc. Setup Costs: $300 – $600

Total Estimate: ~$3,200 – $8,500, depending on shipping method and housing choice.

How long does the visa process take for each permit type (D7, D8, D2, Golden Visa)?

Average processing times for the most popular Portugal visas (a type of Portuguese visa):

  • D7 Passive Income: 3–6 months
  • D8 Digital Nomad: 2–4 months
  • D2 Entrepreneur: 3–6 months
  • Golden Visa: 8–12 months (can extend due to investment checks)

After approval, your temporary residence permit card may take an additional 2–6 weeks to be issued by the Portuguese government.

Can Americans include family members on their visa application, and what are the requirements?

Yes. Foreign nationals approved for a visa can include family members through the Portugal residence permit process. This covers:

  • Spouse or legal partner
  • Dependent children
  • Dependent parents (case-by-case)

Requirements:

  • Proof of relationship (marriage/birth certificates)
  • Additional income: +50% of the main applicant’s minimum income for a spouse, +30% for each child
  • Each dependent receives their own residency permit

Do U.S. citizens still qualify for the NHR tax benefit in 2025?

Yes — but changes apply. American citizens who apply before Portuguese government deadlines in December 2024 can still use the old rules. From 2025:

  • Pensions taxed progressively (up to 48%)
  • Certain professions in tech, science, and education qualify for a 20% flat rate
  • You must still pay taxes in Portugal on Portuguese-sourced income

How long does it take to become a Portuguese citizen under current rules?

  • Current Law: 5 years of legal residency to obtain Portuguese citizenship, then apply for a Portuguese passport
  • Proposed Law: 10 years (not yet active)

Citizenship grants EU citizenship and full European citizenship rights, allowing you to live and work in other European countries.

What initial steps should retirees take before fully committing to moving to Portugal?

For Americans retiring to Portugal, consider:

  • Renting short-term in areas with active American expat communities
  • Checking healthcare availability (public and private)
  • Reviewing finances for a D7 retirement visa
  • Experiencing different Portuguese cities to see which lifestyle fits

What are common regional differences expats notice, and how do salaries compare?

  • Lisbon: Fast-paced, cosmopolitan. Salaries are the highest, reflecting Portuguese job market demand.
  • Porto: Creative, laid-back. Salaries are about 10% lower than in Lisbon.
  • Algarve: Sunny, resort-like atmosphere. Wages are mostly tourism-based.
  • Interior/North: Traditional, quieter lifestyle. Lowest salaries in mainland Portugal.

Even in lower-paying regions, the cost of living remains attractive for expats relocating to different Portuguese cities.

How does U.S. tax filing work after moving to Portugal?

You must still file and pay taxes to the IRS as an American citizen. Common benefits include:

  • Foreign Earned Income Exclusion (FEIE)
  • Foreign Tax Credit (FTC)

Tax rules differ from other European countries, so consult an advisor familiar with both U.S. law and Portuguese immigration requirements.

What are residency options besides visas (e.g., citizenship by descent or marriage)?

  • Citizenship by descent if you have a Portuguese national parent or grandparent
  • Marriage to a Portuguese national (3 years)
  • Already hold EU citizenship? You can live in Portugal without a visa
  • Certain cases allow dual citizenship with the U.S.

Is it safe to drive in Portugal or should expats rely on public transport?

Most Portuguese cities have excellent public transport networks, but driving is beneficial in rural areas and the Algarve. When you enter Portugal, you can drive on your U.S. license for up to 185 days before exchanging it for a Portuguese one.

A Portuguese phone number is useful for paying tolls online and accessing GPS-based apps for navigation.

How do healthcare options differ between public SNS and private insurance for expats?

Portugal’s public SNS offers low co-pays and is state-funded by the Portuguese government, but it can involve some wait times and services are mostly in Portuguese. Private insurance, which typically costs between €40 and €100 per month, provides faster access to care, more English-speaking providers, and is funded privately rather than through the state.

What are digital infrastructure and internet costs like for remote workers?

  • Speeds: 200–500 Mbps in Portuguese cities, slower in rural areas
  • Cost: €30–€50/month for high-speed fiber
  • If working with a Portuguese company, you may need to issue invoices through the local tax system

How do property purchase steps work for Americans?

Buying property in Portugal is allowed whether you hold a temporary residence permit or are still applying for your Portugal residency permit. The main steps are:

  1. Obtain a NIF (tax number)
  2. Open a Portuguese bank account
  3. Hire a lawyer for due diligence
  4. Sign the promissory contract and pay deposit (10–30%)
  5. Sign the final deed at a notary

Are U.S. social security benefits accessible from Portugal?

Yes. An American citizen can receive U.S. Social Security payments while living in Portugal. Benefits can be deposited directly into a Portuguese bank account, though currency conversion rates may slightly affect the amount received.

What scams or legal pitfalls should expats watch for when renting or buying property?

Common issues include:

  • Fake listings designed to take deposits
  • Landlords asking for full payment upfront without a signed lease
  • Properties lacking proper habitation licenses

Always follow Portuguese immigration requirements for valid lease contracts and keep all paperwork for future Portugal residency renewals.

How we reviewed this article

All Movingto articles go through a rigorous review process before publication. Learn more about the Movingto Editorial Process.

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