For a single person buying a home, Santana works out cheaper. A home in Santana costs €15,600 less.
You will
Household
Transport
60 m²
More adjustments
CalhetaSantana
Estimated home price · 60 m²€111,900Δ €15,600€96,300
On the day you buy
Down payment€11,190€9,630
Transfer tax (IMT)€0€0
Stamp duty · purchase€895€770
Stamp duty · loan€604€520
Total upfront€12,689€10,920
Monthly payment€388€334
Mortgage payments35 years at 3.00% · 90% financed
€4,651€4,003
€648less in Santana
Property tax (IMI)1VPT estimated at 50% of price
€168€144
€24less in Santana
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Calheta
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityCalheta gives back the 5%, Santana gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€5,096€4,424
€672less in Santana
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
34%33%
1%better in Santana
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+82%+164%
82 pointsrose more in Santana
Crime rateRecorded crimes per 1 000 residents
14.6/100015.4/1000
0.8/1000better in Calheta
Average commuteOne way to work or school
17 min19 min
2 minbetter in Calheta
Average salary (gross)Average monthly earnings, by place of work
€1,383/month€1,138/month
€245/monthbetter in Calheta
Median salary (gross)Half of workers earn less than this, by place of work
€1,156/month€999/month
€157/monthbetter in Calheta
Purchasing power (Portugal = 100)Per-capita index
68.465.9
2.5better in Calheta
PharmaciesPer 1,000 people
0.30/10000.50/1000
0.20/1000better in Santana
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
3.2 km11.8 km
8.6 kmbetter in Calheta
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
