T5 flat in Centro, Faro
T5 flat in Centro, Faro — image 2T5 flat in Centro, Faro — image 3T5 flat in Centro, Faro — image 4T5 flat in Centro, Faro — image 5
Grade Bapartmentbudget

T5 flat in Centro, Faro

Faro · Eastern Algarve ·

€530,000

Asking Price (EUR)

4.2%

True Net Yield (Owner, all-in)

2.9%

True Net Yield (Managed, all-in)

6.5%

True Gross Yield

39%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.7 months ago and is currently at 14% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.74, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €43,875/yr
Average Daily Rate: €308
-35.0% vs area baselineImage quality 5/10 (-6%), Dated style (-15%), No pool (-12%), Has view (+10%), Budget finish (-12%)
Payback Period: 14.9 years
5-yr Capital Value: €696,412
10-yr Capital Value: €847,292
Brixfox Score: 61.6 / 100
Comparable Properties: 5
Data Confidence: 74%
Search Radius: 4 km

True Investment Cost

Portuguese transfer tax (IMT) + stamp duty (IS) + notary + registration + legal + renovation + full furnishing & STR launch setup.

€670,920

+26.6% over asking

Asking price€530,000
IMT — Property transfer tax (investment schedule)€30,230
IS — Stamp duty (0.8%)€4,240
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€7,950
Total acquisition costs€43,670
Renovation (est. €350/m² × 201 m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		€70,350
(€50,250–€90,450)
Furnishing & STR launch (5bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,900
All-in investment (incl. renovation & furnishing)€670,920

Gross yield (asking price)

8.3%

True gross yield (all-in)

6.5%

Estimates use Portugal's investment IMT schedule (non-permanent residence). Actual notary & legal vary; budget +€500–1,000 for surveyor, due-diligence and bank-mortgage fees if financing. Renovation cost is a heuristic on property condition × m² — verify with a site visit. Furnishing uses finish-level-tiered rates covering beds, living, kitchen, electronics, AL licence, linens & professional photography. Working capital (2-3 months operating buffer) not included.

Bedrooms: 5
Bathrooms: 2
Building: 201 m²
Style: dated
Condition: fair
Energy Certificate: C
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
18.1
Visual Appeal
6.8
Ownership Security
13
Location
7.8
Land & Space
6
Rental Demand
3.9
Payback Speed
3
STR Suitability
3

Description

5-bedroom apartment, located in a seven-story apartment building, on the 4th floor, with an area of 201 m2 comprising a fully equipped kitchen with all appliances, dining area, laundry room, pantry, three bathrooms, five bedrooms, and a living room. Three balconies, the main one being the largest and most prominent, f

Location

📍 37.0182°N, 7.9356°W

· Faro, Algarve, Portugal

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Idealista.pt
Faro / Eastern Algarve

T5 flat in Centro, Faro

Inventory
5 Beds
Bathrooms
2 Baths
Built Area
201 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 5.6% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score62
GradeB
Brixfox Intelligence
62BStrong
Score Breakdown
ROI & Yield68%
Capital Growth65%
Risk Profile64%
Market Demand62%

The Brixfox Score is our proprietary AI-powered rating that evaluates rental ROI, capital appreciation potential, risk factors, and local market dynamics to give you a single investment quality metric.

Pro members get full score breakdown with AI recommendations
Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+9.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+3.8%
+$99K in 5yr (+19%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.6%
$2,697/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
10 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
17.8 yr
Rental only

Property details

Energy: C
Condition: fair

Description

5-bedroom apartment, located in a seven-story apartment building, on the 4th floor, with an area of 201 m2 comprising a fully equipped kitchen with all appliances, dining area, laundry room, pantry, three bathrooms, five bedrooms, and a living room. Three balconies, the main one being the largest and most prominent, f

Income Breakdown

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Nightly Rate (ADR)
$450/night
50% ($207)Brixfox estimate($450/night)200% ($829)
Occupancy
39%
10%Brixfox estimate(39%)100%

Short-Term Rental

Yearly income
$32,359
Airbnb data$450/night · 39% occupancy
Rental income
$450/night · 39% occ.
$64,168
Running costs (20%)
Utilities, cleaning, maintenance
-$12,834
Income tax (10%)
Indonesian rental income tax
-$17,967
Property tax
Annual property tax
-$1,008
Net income
5.6% ROI
$32,359

Long-Term Rental

No long-term rental data available

Not enough comparable rentals in this area

True all-in investment

What the headline asking price actually costs once mandatory taxes, fees, renovation, and furnishing are added. Yields rebased onto this number — closer to what you'll really earn against what you'll really pay.

Asking price$576,087
IMT (transfer tax, investment schedule)$32,859
Imposto de Selo (stamp duty)$4,609
Notary & registration$1,359
Legal / due diligence$8,641
Total acquisition costs$47,467
Renovation (~$380/m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		$76,467
($54,620–$98,315)
Furnishing & STR launch
5bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$29,239
All-in investment$729,261

Gross yield (asking)

11.1%

True gross yield (all-in)

8.8%

Estimates use Portugal's standard transfer tax + typical legal/notary defaults. Verify with local counsel before committing — actual fees vary by deal structure.

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Faro.

$3.6M$2.7M$1.8M$901K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $530K
Capital appreciation
Property value growing at +4%/yr based on Faro market trends.
Rental income
Cumulative net rental earnings collected over time, growing with annual revenue increases.
Total return
Capital value + rental income. Your actual total position if you sold and kept all rent.
Paid back
Year 15: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$645K
+22%
Rental Income
+$158K
Total Position
$803K
+51%
8.7%/yr
Year 10
Capital Value
$785K
+48%
Rental Income
+$341K
Total Position
$1.1M
+112%
7.8%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$800K
Total Position
$2.0M
+270%
6.8%/yr
Year 30
Capital Value
$1.7M
+224%
Rental Income
+$1.4M
Total Position
$3.1M
+492%
6.1%/yr

Location

Faro

Eastern Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.6% annual return
Occupancy
Weak
39% average occupancy
Nightly Rate
Strong
$414 per night
Visual Appeal
Weak
3/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $414 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 39% — factor in seasonal gaps

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
5.8%
$2,793/mo
40% occ.
7.8%
$3,752/mo
current
39% occ.
7.6%
$3,659/mo
current
49% occ.
9.6%
$4,618/mo

Data Sources & Methodology

ROI calculations use verified Brixfox Intelligence rental data from a 12-month trailing window. Opex: 20% owner-managed, 45% fully-managed. Includes 10% Indonesian rental tax (PPh) and annual property tax (PBB). Market factors in Portugal may impact actual yields.