How Long Can US Buyers Stay in Algarve After Purchasing Property?

Introduction

Buying a home in the Algarve as an American is easier than many people expect — but one common question comes up early:
If I buy property in Portugal, how long am I allowed to stay?

The short answer: owning property does not automatically grant you residency. However, it does make it easier to support a visa application — and there are flexible ways to legally enjoy your home in Portugal, whether you’re visiting seasonally or planning a full-time move.

This article explains the current rules for US citizens staying in Portugal, how property ownership fits in, and what your options are if you want to stay longer.

1. Buying Property Does Not Grant Residency

It’s important to clarify:
Owning a home in Portugal — whether in the Algarve or anywhere else — does not give you the right to live there full-time without a visa.

That means:

• You can buy property without restrictions as a US citizen
• But if you want to live in Portugal long-term, you’ll need to apply for residency

2. The 90/180-Day Rule for Americans

As a US passport holder, Portugal allows you to stay:

• Up to 90 days in any 180-day period, visa-free
• This includes all Schengen Zone countries, not just Portugal

So if you spend 30 days in Portugal, then 30 days in France, and 30 in Spain — you’ve used your 90-day limit.

This rule resets every 180 days. It’s perfect for seasonal visits, short stays, and holiday home use.

3. Can You Extend Beyond 90 Days?

Yes — if you want to spend more time in Portugal than the 90-day limit, you’ll need to apply for a residency visa. The most popular options for Americans include:

🧾 D7 Visa (Passive Income Visa)

Ideal for retirees or individuals with income from:

• Pensions
• Investments
• Rental properties
• Dividends

💻 D8 Visa (Remote Work / Digital Nomad Visa)

For Americans working online or for a non-Portuguese company.

Both visas allow you to live in Portugal long-term and renew your permit for multiple years. After five years, you may qualify for permanent residency or citizenship.

4. Can You Apply for Residency from the US?

Yes. In fact, it’s recommended. You apply at the Portuguese consulate in the US, then finalize your residence permit in Portugal once you arrive.

Buying property is helpful here — having a property deed or long-term rental contract is often required to prove accommodation when applying.

5. What If You’re Not Ready to Move Yet?

Many Americans buy a home and only use it for short visits — that’s completely fine. As long as you follow the 90/180-day rule, you can:

• Visit your home in Algarve throughout the year
• Rent it out when you’re not using it
• Apply for residency later, if and when you’re ready

Just be aware that:

• You’ll need a fiscal representative if you’re a non-resident owner
• You may be taxed in Portugal for rental income earned locally

Final Thoughts

Buying a home in Portugal does not give you residency — but it gives you a strong foundation if you ever want to apply.

As an American property owner, you can visit for 90 days out of every 180, or pursue a visa if you want to stay longer. Many of our clients start as part-time residents and transition to full-time life once they’re ready.

Work with the right legal and tax professionals from day one, and you’ll have full flexibility to enjoy your home in Algarve — however it fits into your life.

FAQ – Stay Duration for Americans in Portugal