For a single person buying a home, Santarém works out cheaper. A home in Santarém costs €1,680 less.
You will
Household
Transport
60 m²
More adjustments
CartaxoSantarém
Estimated home price · 60 m²€97,260Δ €1,680€95,580
On the day you buy
Down payment€9,726€9,558
Transfer tax (IMT)€0€0
Stamp duty · purchase€778€765
Stamp duty · loan€525€516
Total upfront€11,029€10,839
Monthly payment€337€331
Mortgage payments35 years at 3.00% · 90% financed
€4,042€3,973
€69less in Santarém
Property tax (IMI)1VPT estimated at 50% of price
€219€175
€44less in Santarém
Water, sewage and wasteOfficial tariffs · 4 m³/month
€207€213
€6less in Cartaxo
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€243€209
€34less in Santarém
Income tax refunded by the municipalityCartaxo keeps the 5%, Santarém gives back 0.5%
€0€10
€10less in Santarém
Total per yearItems with data for both
€5,091€4,939
€152less in Santarém
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
31%29%
2%better in Santarém
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+110%+101%
9 pointsrose more in Cartaxo
Crime rateRecorded crimes per 1 000 residents
24.9/100025.0/1000
0.1/1000better in Cartaxo
Average commuteOne way to work or school
23 min20 min
3 minbetter in Santarém
Average salary (gross)Average monthly earnings, by place of work
€1,370/month€1,415/month
€45/monthbetter in Santarém
Median salary (gross)Half of workers earn less than this, by place of work
€1,104/month€1,147/month
€43/monthbetter in Santarém
Purchasing power (Portugal = 100)Per-capita index
90.399.1
8.8better in Santarém
PharmaciesPer 1,000 people
0.30/10000.40/1000
0.10/1000better in Santarém
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
11.9 km7.0 km
4.9 kmbetter in Santarém
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
