For a single person buying a home, Montalegre works out cheaper. A home in Montalegre costs €31,380 less.
You will
Household
Transport
60 m²
More adjustments
ChavesMontalegre
Estimated home price · 60 m²€72,300Δ €31,380€40,920
On the day you buy
Down payment€7,230€4,092
Transfer tax (IMT)€0€0
Stamp duty · purchase€578€327
Stamp duty · loan€390€221
Total upfront€8,199€4,640
Monthly payment€250€142
Mortgage payments35 years at 3.00% · 90% financed
€3,005€1,701
€1,304less in Montalegre
Property tax (IMI)1VPT estimated at 50% of price
€108€61
€47less in Montalegre
Water, sewage and wasteOfficial tariffs · 4 m³/month
€185€179
€6less in Montalegre
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€218€209
€9less in Montalegre
Income tax refunded by the municipalityChaves keeps the 5%, Montalegre gives back the 5%
€0€100
€100less in Montalegre
Total per yearItems with data for both
€3,896€2,430
€1,466less in Montalegre
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
25%14%
11%better in Montalegre
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+54%+17%
37 pointsrose more in Chaves
Crime rateRecorded crimes per 1 000 residents
29.9/100035.2/1000
5.3/1000better in Chaves
Average commuteOne way to work or school
15 min18 min
3 minbetter in Chaves
Average salary (gross)Average monthly earnings, by place of work
€1,250/month€1,163/month
€87/monthbetter in Chaves
Median salary (gross)Half of workers earn less than this, by place of work
€1,014/month€997/month
€17/monthbetter in Chaves
Purchasing power (Portugal = 100)Per-capita index
83.365.2
18.1better in Chaves
PharmaciesPer 1,000 people
0.30/10000.60/1000
0.30/1000better in Montalegre
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.1 km12.3 km
7.2 kmbetter in Chaves
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
