For a single person buying a home, Lourinhã works out cheaper. A home in Lourinhã costs €14,940 less.
You will
Household
Transport
60 m²
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LourinhãPeniche
Estimated home price · 60 m²€124,980Δ €14,940€139,920
On the day you buy
Down payment€12,498€13,992
Transfer tax (IMT)€373€671
Stamp duty · purchase€1,000€1,119
Stamp duty · loan€675€756
Total upfront€14,545€16,538
Monthly payment€433€485
Mortgage payments35 years at 3.00% · 90% financed
€5,195€5,816
€621less in Lourinhã
Property tax (IMI)1VPT estimated at 50% of price
€219€213
€6less in Peniche
Water, sewage and wasteOfficial tariffs · 4 m³/month
€279€278
€1less in Peniche
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasLourinhã: bottle · Peniche: network
€360€209
€151less in Peniche
Income tax refunded by the municipalityLourinhã gives back 1.5%, Peniche gives back 2%
€30€40
€10less in Peniche
Total per yearItems with data for both
€6,402€6,855
€453less in Lourinhã
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
42%47%
5%better in Lourinhã
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+83%+98%
15 pointsrose more in Peniche
Crime rateRecorded crimes per 1 000 residents
31.9/100032.5/1000
0.6/1000better in Lourinhã
Average commuteOne way to work or school
19 min16 min
3 minbetter in Peniche
Average salary (gross)Average monthly earnings, by place of work
€1,255/month€1,232/month
€23/monthbetter in Lourinhã
Median salary (gross)Half of workers earn less than this, by place of work
€1,038/month€1,031/month
€7/monthbetter in Lourinhã
Purchasing power (Portugal = 100)Per-capita index
84.287.0
2.8better in Peniche
PharmaciesPer 1,000 people
0.20/10000.20/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
14.4 km3.9 km
10.5 kmbetter in Peniche
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
