The city of Funchal leads the national ranking for financial effort required to purchase housing, reaching 115% of family income. This figure is the highest among the 20 cities analyzed by the real estate agency idealista.
In the rental market, Funchal also stands out, ranking second nationally with a 99% effort rate, surpassed only by Faro. On mainland Portugal, Faro leads rentals at 101%, followed by Lisbon at 80%.
Nationally, the effort rate for renting in the second quarter of 2026 was 82%, while for home purchases it stood at 76%.
