Alcobaça vs Caldas da Rainha: cost of living compared
versus
Yearly saving in Alcobaça
€777/year
For a single person buying a home, Alcobaça works out cheaper. A home in Alcobaça costs €18,720 less.
You will
Household
Transport
60 m²
More adjustments
AlcobaçaCaldas da Rainha
Estimated home price · 60 m²€112,560Δ €18,720€131,280
On the day you buy
Down payment€11,256€13,128
Transfer tax (IMT)€124€499
Stamp duty · purchase€900€1,050
Stamp duty · loan€608€709
Total upfront€12,889€15,386
Monthly payment€390€455
Mortgage payments35 years at 3.00% · 90% financed
€4,678€5,456
€778less in Alcobaça
Property tax (IMI)1VPT estimated at 50% of price
€169€197
€28less in Alcobaça
Water, sewage and wasteOfficial tariffs · 4 m³/month
€231€206
€25less in Caldas da Rainha
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€209
same in both
Income tax refunded by the municipalityAlcobaça gives back 2.8%, Caldas da Rainha gives back 3%
€56€60
€4less in Caldas da Rainha
Total per yearItems with data for both
€5,611€6,388
€777less in Alcobaça
1 Property tax estimated using a taxable value (VPT) of 50% of market price. Enter the VPT from your property record for an exact figure.
Average rate on new housing loans: 3.00% (August 2026, Banco de Portugal).
Source: Portal das Finanças, taxas de IMI por município · 2025 · Source: Portal das Finanças, participação dos municípios no IRS · 2026 · Source: INE · 2nd quarter of 2026 · Energy: ERSE, October 2026
Beyond the cost
Mortgage payment ÷ 1 × local median gross salary
35%41%
6%better in Alcobaça
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+106%+108%
2 pointsrose more in Caldas da Rainha
Crime rateRecorded crimes per 1 000 residents
26.5/100025.1/1000
1.4/1000better in Caldas da Rainha
Average commuteOne way to work or school
16 min17 min
1 minbetter in Alcobaça
Average salary (gross)Average monthly earnings, by place of work
€1,313/month€1,343/month
€30/monthbetter in Caldas da Rainha
Median salary (gross)Half of workers earn less than this, by place of work
€1,110/month€1,106/month
€4/monthbetter in Alcobaça
Purchasing power (Portugal = 100)Per-capita index
84.899.8
15.0better in Caldas da Rainha
PharmaciesPer 1,000 people
0.30/10000.30/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
8.0 km4.1 km
3.9 kmbetter in Caldas da Rainha
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
