Seia · report
Asking prices against bank valuations in Seia
Sellers ask 27.0% less than banks value homes at. A year ago the gap was −24.9%.
- Gap today
- −27.0%
- Change in a year
- −2.1 pp
How far apart the three prices are in Seia
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
| Period | Asking price against bank valuation | Asking price against sale price | Bank valuation against sale price |
|---|---|---|---|
| Sep 2026 | -27.0% | — | — |
| Aug 2026 | -31.8% | — | — |
| Jul 2026 | -25.9% | — | — |
| Jun 2026 | -20.0% | 1.9% | 27.4% |
| May 2026 | -16.5% | — | — |
| Apr 2026 | -14.0% | — | — |
| Mar 2026 | -18.9% | 2.0% | 27.8% |
| Feb 2026 | -21.6% | — | — |
| Jan 2026 | -20.6% | — | — |
| Dec 2025 | -25.0% | -0.3% | 23.9% |
| Nov 2025 | -19.6% | — | — |
| Oct 2025 | -21.1% | — | — |
| Sep 2025 | -24.9% | 8.6% | 34.3% |
| Aug 2025 | -18.7% | — | — |
| Jul 2025 | -18.6% | — | — |
| Jun 2025 | -8.7% | 16.7% | 47.9% |
| May 2025 | -20.8% | — | — |
| Apr 2025 | -21.0% | — | — |
| Mar 2025 | -21.5% | 25.6% | — |
| Feb 2025 | -17.1% | — | — |
| Jan 2025 | -14.1% | — | — |
| Dec 2024 | -18.2% | 24.7% | — |
| Nov 2024 | -19.5% | — | — |
| Oct 2024 | -24.4% | — | — |
| Sep 2024 | -24.2% | 27.3% | — |
| Aug 2024 | -29.5% | — | — |
| Jul 2024 | -31.2% | — | — |
| Jun 2024 | -33.5% | 26.2% | — |
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
| Period | Existing homes | New homes |
|---|---|---|
| Q2 2026 | 327.5 | 235.2 |
| Q1 2026 | 316.1 | 227.2 |
| Q4 2025 | 303.2 | 221.2 |
| Q3 2025 | 290.0 | 215.6 |
| Q2 2025 | 277.5 | 209.5 |
| Q1 2025 | 264.0 | 201.7 |
| Q4 2024 | 250.8 | 194.6 |
| Q3 2024 | 243.5 | 189.0 |
| Q2 2024 | 234.5 | 183.0 |
| Q1 2024 | 225.7 | 176.2 |
| Q4 2023 | 223.2 | 177.6 |
| Q3 2023 | 220.4 | 175.0 |
| Q2 2023 | 216.5 | 171.6 |
| Q1 2023 | 209.7 | 167.0 |
| Q4 2022 | 206.4 | 166.1 |
| Q3 2022 | 203.8 | 165.3 |
| Q2 2022 | 198.7 | 158.9 |
| Q1 2022 | 191.3 | 157.9 |
| Q4 2021 | 183.2 | 155.1 |
| Q3 2021 | 177.7 | 152.5 |
| Q2 2021 | 173.2 | 146.6 |
| Q1 2021 | 168.4 | 142.4 |
| Q4 2020 | 163.6 | 140.3 |
| Q3 2020 | 159.4 | 136.6 |
| Q2 2020 | 160.3 | 136.9 |
| Q1 2020 | 157.4 | 135.0 |
| Q4 2019 | 151.5 | 130.3 |
| Q3 2019 | 148.6 | 129.4 |
| Q2 2019 | 145.2 | 127.9 |
| Q1 2019 | 142.1 | 122.8 |
| Q4 2018 | 136.6 | 120.3 |
| Q3 2018 | 134.1 | 117.2 |
| Q2 2018 | 132.9 | 115.9 |
| Q1 2018 | 129.2 | 115.8 |
| Q4 2017 | 124.7 | 111.0 |
| Q3 2017 | 122.8 | 110.9 |
| Q2 2017 | 118.0 | 109.0 |
| Q1 2017 | 114.3 | 105.6 |
| Q4 2016 | 111.5 | 104.8 |
| Q3 2016 | 110.2 | 103.8 |
| Q2 2016 | 108.3 | 103.5 |
| Q1 2016 | 104.7 | 101.3 |
| Q4 2015 | 102.1 | 101.3 |
| Q3 2015 | 101.0 | 100.0 |
| Q2 2015 | 99.9 | 101.9 |
| Q1 2015 | 97.0 | 96.8 |
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 Seia
Asking prices have an 80% chance of landing between €772/m² and €961/m² by September 2027.
- Expected, September 2027
- €866/m²
- Chance of a rise
- 74%
At the bank valuation, a 90 m² home costs €100,980. With 10% down and a 30-year mortgage, the payment is €383 a month. Banco de Portugal caps it at 50% of a household's net income.
- Payment, two incomes
- 17%
- Payment, one income
- 33%
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
- €372
- Owning per month
- €234
17.9% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 17
- Per 1,000 residents
- 0.8
Figures for Beiras e Serra da Estrela: Seia has no reliable figures of its own.
Over the last 12 months, buyers domiciled abroad paid 23.0% less per m² than buyers living in Portugal.
- Abroad against residents
- −23.0%
Asking prices have fallen by 3% or more 5 times since 2015. The deepest began in February 2016.
- Deepest fall
- −21.3%
- Recovery from the low
- 31 months
In 2025 the population fell by 195 while 9 homes were finished.
- Homes finished, 2025
- 9
- Population change, 2025
- −195
16.9% of the 17,621 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.
- Empty, 2021 census
- 16.9%
- Empty homes
- 2,972
In 2025, 44% of the buildings finished were work on existing buildings: extensions, alterations and reconstructions.
- Work on existing buildings, 2025
- 44%
- Reconstructions per 100 new buildings
- 0.0
Public bodies signed €1.5M of housing works here in 2018, and €1.5M since 2012.
- Signed in 2018
- €1.5M
- Per resident, 2018
- €69
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