Imofolio

Sintra · report

Asking prices against bank valuations in Sintra

Sellers ask 18.5% more than banks value homes at. A year ago the gap was +27.2%.

Gap today
+18.5%
Change in a year
−8.7 pp

How far apart the three prices are in Sintra

Each line sets one measure of price against another, in %. Above zero, the first is higher.

  • Asking price against bank valuation
  • Asking price against sale price
  • Bank valuation against sale price
  • No gap
Show the numbers
PeriodAsking price against bank valuationAsking price against sale priceBank valuation against sale price
Sep 202618.5%——
Aug 202619.2%——
Jul 202620.9%——
Jun 202622.0%10.4%-11.9%
May 202622.5%——
Apr 202623.7%——
Mar 202624.3%12.2%-11.5%
Feb 202624.3%——
Jan 202626.1%——
Dec 202526.4%14.0%-11.1%
Nov 202525.6%——
Oct 202526.4%——
Sep 202527.2%15.9%-10.7%
Aug 202527.5%——
Jul 202527.9%——
Jun 202529.2%16.7%-11.4%
May 202529.4%——
Apr 202528.6%——
Mar 202529.7%18.1%-11.7%
Feb 202530.2%——
Jan 202532.6%——
Dec 202432.5%17.8%-12.7%
Nov 202431.8%——
Oct 202432.2%——
Sep 202432.6%18.6%-12.7%
Aug 202434.2%——
Jul 202438.6%——
Jun 202437.6%19.6%-11.8%
May 202438.3%——
Apr 202436.5%——
Mar 202434.9%19.3%-11.1%
Feb 202435.7%——
Jan 202436.6%——
Dec 202335.6%19.8%-9.9%
Nov 202335.8%——
Oct 202335.0%——
Sep 202334.1%20.7%-8.7%
Aug 202333.5%——
Jul 202333.6%——
Jun 202333.0%20.0%-8.6%
May 202331.3%——
Apr 202331.3%——
Mar 202330.7%18.9%-9.0%
Feb 202331.6%——
Jan 202330.2%——
Dec 202232.2%17.7%-9.6%
Nov 202232.2%——
Oct 202232.8%——
Sep 202231.3%16.8%-9.4%
Aug 202230.2%——
Jul 202228.9%——
Jun 202229.1%16.0%-9.7%
May 202230.3%——
Apr 202229.4%——
Mar 202229.4%16.8%-9.0%
Feb 202228.0%——
Jan 202228.3%——
Dec 202127.5%17.8%-8.2%
Nov 202128.1%——
Oct 202126.5%——
Sep 202128.8%18.0%-8.2%
Aug 202128.5%——
Jul 202128.5%——
Jun 202128.2%18.1%-8.5%
May 202129.2%——
Apr 202128.9%——
Mar 202128.1%18.6%-8.6%
Feb 202129.2%——
Jan 202127.9%——
Dec 202028.6%19.0%-8.8%
Nov 202028.3%——
Oct 202028.8%——
Sep 202030.4%21.1%-7.9%
Aug 202030.9%——
Jul 202031.8%——
Jun 202031.8%23.6%-7.2%
May 202031.1%——
Apr 202031.5%——
Mar 202030.7%24.3%-7.7%
Feb 202031.1%——
Jan 202030.7%——
Dec 201931.2%26.4%-7.2%
Nov 201931.6%——
Oct 201936.1%——
Sep 201937.1%——
Aug 201939.0%——
Jul 201937.9%——
Jun 201938.5%——
May 201937.0%——
Apr 201935.6%——
Mar 201935.7%——
Feb 201937.2%——
Jan 201939.2%——
Dec 201838.7%——
Nov 201838.9%——
Oct 201837.6%——
Sep 201835.0%——
Aug 201831.8%——
Jul 201830.7%——
Jun 201827.2%——
May 201827.1%——
Apr 201827.1%——
Mar 201827.4%——
Feb 201830.0%——
Jan 201830.1%——
Dec 201732.7%——
Nov 201731.3%——
Oct 201730.4%——
Sep 201728.9%——
Aug 201727.1%——
Jul 201726.9%——
Jun 201728.4%——
May 201728.5%——
Apr 201727.6%——
Mar 201726.2%——
Feb 201725.6%——
Jan 201726.3%——
Dec 201627.8%——
Nov 201627.4%——
Oct 201630.5%——
Sep 201628.0%——
Aug 201628.4%——
Jul 201625.3%——
Jun 201624.4%——
May 201622.6%——
Apr 201624.1%——
Mar 201626.3%——
Feb 201624.1%——
Jan 201623.7%——
Dec 201522.4%——
Nov 201524.6%——
Oct 201525.1%——
Sep 201524.9%——
Aug 201519.9%——
Jul 201518.9%——
Jun 201516.9%——
May 201521.2%——
Apr 201521.3%——
Mar 201519.2%——
Feb 201517.6%——
Jan 201517.2%——

New homes against existing homes, Portugal

Eurostat's house price index for Portugal, newly built and existing dwellings, 2015 = 100. National figures, shown here as context.

  • Existing homes
  • New homes
  • 2015 = 100
Show the numbers
PeriodExisting homesNew homes
Q2 2026327.5235.2
Q1 2026316.1227.2
Q4 2025303.2221.2
Q3 2025290.0215.6
Q2 2025277.5209.5
Q1 2025264.0201.7
Q4 2024250.8194.6
Q3 2024243.5189.0
Q2 2024234.5183.0
Q1 2024225.7176.2
Q4 2023223.2177.6
Q3 2023220.4175.0
Q2 2023216.5171.6
Q1 2023209.7167.0
Q4 2022206.4166.1
Q3 2022203.8165.3
Q2 2022198.7158.9
Q1 2022191.3157.9
Q4 2021183.2155.1
Q3 2021177.7152.5
Q2 2021173.2146.6
Q1 2021168.4142.4
Q4 2020163.6140.3
Q3 2020159.4136.6
Q2 2020160.3136.9
Q1 2020157.4135.0
Q4 2019151.5130.3
Q3 2019148.6129.4
Q2 2019145.2127.9
Q1 2019142.1122.8
Q4 2018136.6120.3
Q3 2018134.1117.2
Q2 2018132.9115.9
Q1 2018129.2115.8
Q4 2017124.7111.0
Q3 2017122.8110.9
Q2 2017118.0109.0
Q1 2017114.3105.6
Q4 2016111.5104.8
Q3 2016110.2103.8
Q2 2016108.3103.5
Q1 2016104.7101.3
Q4 2015102.1101.3
Q3 2015101.0100.0
Q2 201599.9101.9
Q1 201597.096.8

Asking prices are what sellers advertise on property portals. Bank valuations are what lenders' surveyors assess. Sale prices are what deeds record, as INE's 12-month median, so the other two are averaged over the same 12 months before they are compared.

Other reports for Sintra

Asking prices have an 80% chance of landing between €3,615/m² and €4,069/m² by September 2027.

Expected, September 2027
€3,842/m²
Chance of a rise
93%

At the bank valuation, a 90 m² home costs €271,530. With 10% down and a 30-year mortgage, the payment is €1,030 a month. Banco de Portugal caps it at 50% of a household's net income.

Payment, two incomes
43%
Payment, one income
85%

Owning a 90 m² home costs less each month than renting it. Owning counts interest, running costs and the return the deposit could earn, at the median sale price. Repaying the loan is saving, so it is left out.

Rent per month
€1,027
Owning per month
€969

90.2% more homes were licensed for construction in the last 12 months than in an average year of the past decade.

Licensed, 12 months
1,062
Per 1,000 residents
2.4

Over the last 12 months, buyers domiciled abroad paid 7.8% more per m² than buyers living in Portugal.

Abroad against residents
+7.8%

Bank valuations have fallen by 3% or more once since 2011. That fall began in March 2011.

Deepest fall
−26.4%
Recovery from the low
45 months

In 2025 the population grew by 3,306 while 505 homes were finished: 6.5 new residents for every new home.

New residents per new home, 2025
6.5
Population change, 2025
+3,306

9.3% of the 184,095 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.

Empty, 2021 census
9.3%
Empty homes
17,035

In 2025, 13% of the buildings finished were work on existing buildings: extensions, alterations and reconstructions.

Work on existing buildings, 2025
13%
Reconstructions per 100 new buildings
0.7

Public bodies signed €12.7M of housing works here in 2025, and €37.9M since 2012.

Signed in 2025
€12.7M
Per resident, 2025
€28

Data: INE, ECB and others · updated October 27, 2026

Asking prices and bank valuations are not sale prices. This is a description of public data, not financial advice.

Made with Imofolio · imofolio.com/en/market/portugal/sintra/gaps

Selling homes in Portugal? Keep the whole sale in one place.

Imofolio is the CRM for estate agents and agencies: properties, buyers, viewings, proposals and your own website, from the first enquiry to the closing.