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Euribor on the Rise: What Changes for Housing Credit in 2026

FOZ VILLA Editorial·July 2026·5 min read
Euribor on the Rise: What Changes for Housing Credit in 2026

Portugal continues to establish itself as one of the most sought-after residential and investment destinations in Europe. With its mild climate, safety, cultural richness, gastronomy, and internationally recognised quality of life, the country has won a place of prominence among national and international buyers looking for not just a property, but a new way of living.

The Portuguese property market, however, is going through a period of profound transformation. Demand remains high, while available supply remains limited in many of the most desirable locations. This combination has contributed to a significant appreciation of properties and an increasing differentiation between the various regional markets.

A market in transformation

In the first quarter of 2026, Portugal recorded a nominal annual appreciation of 16.5% in housing prices, positioning itself among the property markets with the highest growth worldwide. More than just a statistical indicator, this evolution reflects the strength of demand and the growing attractiveness of Portugal as a destination to live, invest, and put down roots.

In a scenario of continuous appreciation, location is assuming increasing importance. The choice of a property no longer boils down to the area, the number of rooms, or the characteristics of the property. The surroundings, quality of life, proximity to the sea, authenticity of the place, and future potential of the location have become fundamental elements in the purchasing decision.

Beyond traditional markets

Lisbon, Porto, and the Algarve continue to occupy a prominent position in the national property landscape. These are consolidated markets with strong demand and a diversified offer, but also regions where property appreciation has reached levels that make acquisition increasingly demanding.

For many buyers, the search is now beginning to extend beyond traditionally better-known destinations. The goal is to find a location that offers what major urban centres often cannot provide: space, authenticity, tranquillity, proximity to nature, and a genuine quality of life.

The Costa de Prata: authenticity and potential

It is in this context that the Costa de Prata is assuming growing relevance.

Stretching along the Atlantic coast, this region brings together some of the characteristics most valued by those seeking a quality residence in Portugal. Extensive beaches, natural landscapes, historical heritage, gastronomy, authenticity, and a privileged relationship with the ocean define a region that remains genuine but is beginning to be increasingly recognised for its potential.

The Costa de Prata also offers a particularly relevant feature in the current property context: the possibility of finding differentiated properties in privileged locations, often at more accessible prices than those practiced in the most pressured markets of Lisbon and the Algarve.

Figueira da Foz: living with the Atlantic

Among the cities that best represent this balance is Figueira da Foz.

With a historical and natural relationship with the Atlantic, the city offers a quality of life that is hard to replicate. Its beaches, proximity to the sea, architecture, heritage, and urban scale create an environment where it is possible to enjoy a more tranquil pace of life without giving up comfort, services, and accessibility.

In Figueira da Foz, the sea is not just a landscape. It is an integral part of the living experience.

The value of a property with identity

For those seeking a truly special property, the city presents opportunities that go far beyond conventional real estate. Apartments with open views of the Atlantic, homes in privileged locations, properties with architectural value, and properties with a strong identity can represent a rare opportunity for those who value exclusivity, character, and location.

In a market where many properties are beginning to be defined only by their price per square metre, truly differentiated properties continue to stand out for what cannot be easily replicated: the view, location, history, architecture, and sense of belonging to a place.

It is precisely this dimension that makes Figueira da Foz particularly interesting for buyers looking for more than just a real estate acquisition. For some, it's about finding a permanent residence. For others, a second home by the sea. For investors, it may represent an opportunity in a market with growth potential and increasing recognition.

Choosing with a vision for the future

Naturally, the Portuguese property market continues to present challenges. The scarcity of supply, the increase in construction costs, and property appreciation make the search more competitive and require an increasingly critical analysis.

In this context, buying well means truly understanding the market. It means analysing the location, knowing the potential of the area, evaluating the quality of the property, and understanding what makes a property truly unique.

The most valued markets are not always the only ones capable of offering opportunities. In many cases, the true potential lies precisely in regions that combine quality of life, authenticity, accessibility, and margin for evolution.

The Costa de Prata and, in particular, Figueira da Foz, represent this possibility.

A region where the ocean continues to define the landscape, where history remains present in the architecture, and where it is still possible to find properties with character, space, and identity.

Finding a property with meaning

FozVilla is dedicated to accompanying buyers and investors in the discovery of properties that stand out for their location, architecture, characteristics, and potential.

More than just presenting properties, we seek to understand what each client values and find properties capable of corresponding to a particular vision of life.

If you are looking for a residence by the sea, a prestige property, or an investment opportunity in the Costa de Prata, Figueira da Foz may represent one of the most interesting alternatives in the current Portuguese property market.

Because a property can be valued by its area, location, and price.

But truly special properties are those that make us imagine a life within them.

FozVilla — Properties with a view. Properties with identity.

Source: euribor

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