For a single person buying a home, Seia works out cheaper. A home in Seia costs €22,980 less.
You will
Household
Transport
60 m²
More adjustments
CovilhãSeia
Estimated home price · 60 m²€67,440Δ €22,980€44,460
On the day you buy
Down payment€6,744€4,446
Transfer tax (IMT)€0€0
Stamp duty · purchase€540€356
Stamp duty · loan€364€240
Total upfront€7,648€5,042
Monthly payment€234€154
Mortgage payments35 years at 3.00% · 90% financed
€2,803€1,848
€955less in Seia
Property tax (IMI)1VPT estimated at 50% of price
€101€76
€25less in Seia
Water, sewage and wasteOfficial tariffs · 4 m³/month
€223€210
€13less in Seia
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 municipalityCovilhã keeps the 5%, Seia gives back 2.5%
€0€50
€50less in Seia
Total per yearItems with data for both
€3,716€2,672
€1,044less in Seia
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%15%
7%better in Seia
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+63%+73%
10 pointsrose more in Seia
Crime rateRecorded crimes per 1 000 residents
31.5/100033.3/1000
1.8/1000better in Covilhã
Average commuteOne way to work or school
16 min15 min
1 minbetter in Seia
Average salary (gross)Average monthly earnings, by place of work
€1,310/month€1,198/month
€112/monthbetter in Covilhã
Median salary (gross)Half of workers earn less than this, by place of work
€1,072/month€1,037/month
€35/monthbetter in Covilhã
Purchasing power (Portugal = 100)Per-capita index
89.278.8
10.4better in Covilhã
PharmaciesPer 1,000 people
0.40/10000.50/1000
0.10/1000better in Seia
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.3 km5.3 km
same in both
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
