For a single person buying a home, Cinfães works out cheaper. A home in Cinfães costs €16,740 less.
You will
Household
Transport
60 m²
More adjustments
AroucaCinfães
Estimated home price · 60 m²€63,060Δ €16,740€46,320
On the day you buy
Down payment€6,306€4,632
Transfer tax (IMT)€0€0
Stamp duty · purchase€504€371
Stamp duty · loan€341€250
Total upfront€7,151€5,253
Monthly payment€218€160
Mortgage payments35 years at 3.00% · 90% financed
€2,621€1,925
€696less in Cinfães
Property tax (IMI)1VPT estimated at 50% of price
€95€69
€26less in Cinfães
Water, sewage and wasteOfficial tariffs · 4 m³/month
€262€244
€18less in Cinfães
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityCinfães gives back 2%
no data for Arouca
Total per yearItems with data for both
€3,717€2,978
€739less in Cinfães
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).
excluded from comparison (missing for the other municipality)
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
20%15%
5%better in Cinfães
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+55%+63%
8 pointsrose more in Cinfães
Crime rateRecorded crimes per 1 000 residents
19.3/100024.2/1000
4.9/1000better in Arouca
Average commuteOne way to work or school
18 min26 min
8 minbetter in Arouca
Average salary (gross)Average monthly earnings, by place of work
€1,264/month€1,166/month
€98/monthbetter in Arouca
Median salary (gross)Half of workers earn less than this, by place of work
€1,082/month€1,065/month
€17/monthbetter in Arouca
Purchasing power (Portugal = 100)Per-capita index
75.565.6
9.9better in Arouca
PharmaciesPer 1,000 people
0.30/10000.50/1000
0.20/1000better in Cinfães
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.3 km6.9 km
1.6 kmbetter in Arouca
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
