Câmara de Lobos vs Porto Moniz: cost of living compared
versus
Yearly saving in Porto Moniz
€2,729/year
For a single person buying a home, Porto Moniz works out cheaper. A home in Porto Moniz costs €61,980 less.
You will
Household
Transport
60 m²
More adjustments
Câmara de LobosPorto Moniz
Estimated home price · 60 m²€147,840Δ €61,980€85,860
On the day you buy
Down payment€14,784€8,586
Transfer tax (IMT)€298€0
Stamp duty · purchase€1,183€687
Stamp duty · loan€798€464
Total upfront€17,063€9,737
Monthly payment€512€297
Mortgage payments35 years at 3.00% · 90% financed
€6,145€3,569
€2,576less in Porto Moniz
Property tax (IMI)1VPT estimated at 50% of price
€222€129
€93less in Porto Moniz
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Porto Moniz
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityCâmara de Lobos gives back 2%, Porto Moniz gives back the 5%
€40€100
€60less in Porto Moniz
Total per yearItems with data for both
€6,704€3,975
€2,729less in Porto Moniz
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
49%31%
18%better in Porto Moniz
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
no data for Porto Moniz
Crime rateRecorded crimes per 1 000 residents
30.1/100025.7/1000
4.4/1000better in Porto Moniz
Average commuteOne way to work or school
21 min16 min
5 minbetter in Porto Moniz
Average salary (gross)Average monthly earnings, by place of work
€1,234/month€1,057/month
€177/monthbetter in Câmara de Lobos
Median salary (gross)Half of workers earn less than this, by place of work
€1,050/month€967/month
€83/monthbetter in Câmara de Lobos
Purchasing power (Portugal = 100)Per-capita index
66.661.8
4.8better in Câmara de Lobos
PharmaciesPer 1,000 people
0.20/10000.40/1000
0.20/1000better in Porto Moniz
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.9 km12.5 km
6.6 kmbetter in Câmara de Lobos
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
