Covilhã vs Pampilhosa da Serra: cost of living compared
versus
Yearly saving in Pampilhosa da Serra
€1,589/year
For a single person buying a home, Pampilhosa da Serra works out cheaper. A home in Pampilhosa da Serra costs €39,420 less.
You will
Household
Transport
60 m²
More adjustments
CovilhãPampilhosa da Serra
Estimated home price · 60 m²€67,440Δ €39,420€28,020
On the day you buy
Down payment€6,744€2,802
Transfer tax (IMT)€0€0
Stamp duty · purchase€540€224
Stamp duty · loan€364€151
Total upfront€7,648€3,177
Monthly payment€234€97
Mortgage payments35 years at 3.00% · 90% financed
€2,803€1,165
€1,638less in Pampilhosa da Serra
Property tax (IMI)1VPT estimated at 50% of price
€101€42
€59less in Pampilhosa da Serra
Water, sewage and wasteOfficial tariffs · 4 m³/month
€223€281
€58less in Covilhã
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasCovilhã: network · Pampilhosa da Serra: bottle
€209€360
€151less in Covilhã
Income tax refunded by the municipalityCovilhã keeps the 5%, Pampilhosa da Serra gives back the 5%
€0€100
€100less in Pampilhosa da Serra
Total per yearItems with data for both
€3,716€2,127
€1,589less in Pampilhosa da Serra
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
22%10%
12%better in Pampilhosa da Serra
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+63%+126%
63 pointsrose more in Pampilhosa da Serra
Crime rateRecorded crimes per 1 000 residents
31.5/100019.1/1000
12.4/1000better in Pampilhosa da Serra
Average commuteOne way to work or school
16 min20 min
4 minbetter in Covilhã
Average salary (gross)Average monthly earnings, by place of work
€1,310/month€1,136/month
€174/monthbetter in Covilhã
Median salary (gross)Half of workers earn less than this, by place of work
€1,072/month€1,007/month
€65/monthbetter in Covilhã
Purchasing power (Portugal = 100)Per-capita index
89.266.8
22.4better in Covilhã
PharmaciesPer 1,000 people
0.40/10000.60/1000
0.20/1000better in Pampilhosa da Serra
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.3 km22.7 km
17.4 kmbetter in Covilhã
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
