For a single person buying a home, Ponte de Lima works out cheaper. A home in Ponte de Lima costs €7,800 less.
You will
Household
Transport
60 m²
More adjustments
CaminhaPonte de Lima
Estimated home price · 60 m²€104,520Δ €7,800€96,720
On the day you buy
Down payment€10,452€9,672
Transfer tax (IMT)€0€0
Stamp duty · purchase€836€774
Stamp duty · loan€564€522
Total upfront€11,853€10,968
Monthly payment€362€335
Mortgage payments35 years at 3.00% · 90% financed
€4,344€4,020
€324less in Ponte de Lima
Property tax (IMI)1VPT estimated at 50% of price
€204€155
€49less in Ponte de Lima
Water, sewage and wasteOfficial tariffs · 4 m³/month
€230€177
€53less in Ponte de Lima
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 municipalityCaminha gives back 0.5%, Ponte de Lima gives back the 5%
€10€100
€90less in Ponte de Lima
Total per yearItems with data for both
€5,356€4,840
€516less in Ponte de Lima
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
36%31%
5%better in Ponte de Lima
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+74%+65%
9 pointsrose more in Caminha
Crime rateRecorded crimes per 1 000 residents
33.9/100023.1/1000
10.8/1000better in Ponte de Lima
Average commuteOne way to work or school
19 min19 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,145/month€1,260/month
€115/monthbetter in Ponte de Lima
Median salary (gross)Half of workers earn less than this, by place of work
€1,008/month€1,091/month
€83/monthbetter in Ponte de Lima
Purchasing power (Portugal = 100)Per-capita index
82.178.1
4.0better in Caminha
PharmaciesPer 1,000 people
0.30/10000.20/1000
0.10/1000better in Caminha
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
16.5 km5.3 km
11.2 kmbetter in Ponte de Lima
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
