Porto

Maia vs Matosinhos: cost of living compared

versus

Yearly saving in Maia

€1,622/year

For a single person buying a home, Maia works out cheaper. A home in Maia costs €37,560 less.

You will

BuyRent

Household

SingleCoupleFamily

Transport

NonePassCar

Home size (m²)

60 m²

More adjustments

Water use (m³/month)DependantsIncome tax paid per year (€)Household gross monthly income (€)Home price (€)Taxable property value, VPT (€)Down payment (%)Term (years)Interest rate (%)I'm 35 or under and it's my first home (IMT Jovem)

MaiaMatosinhos

Estimated home price · 60 m²€153,420Δ €37,560€190,980

On the day you buy

Down payment€15,342€19,098

Transfer tax (IMT)€1,180€3,058

Stamp duty · purchase€1,227€1,528

Stamp duty · loan€828€1,031

Total upfront€18,578€24,715

Monthly payment€531€661

Mortgage payments35 years at 3.00% · 90% financed

€6,377€7,938

€1,561less in Maia

Property tax (IMI)¹VPT estimated at 50% of price

€265€353

€88less in Maia

Water, sewage and wasteOfficial tariffs · 4 m³/month

€237€217

€20less in Matosinhos

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasNatural gas, regulated tariff

€223€220

€3less in Matosinhos

Income tax refunded by the municipalityMaia keeps the 5%, Matosinhos gives back 0.3%

€0€5

€5less in Matosinhos

Total per yearItems with data for both

€7,481€9,103

€1,622less in Maia

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%46%

4%better in Maia

House price rise over 5 yearsMedian sale price (€/m²), over 5 years

+87%+82%

5 pointsrose more in Maia

Crime rateRecorded crimes per 1 000 residents

28.0/100031.1/1000

3.1/1000better in Maia

Average commuteOne way to work or school

20 min20 min

same in both

Average salary (gross)Average monthly earnings, by place of work

€1,638/month€1,820/month

€182/monthbetter in Matosinhos

Median salary (gross)Half of workers earn less than this, by place of work

€1,265/month€1,425/month

€160/monthbetter in Matosinhos

Purchasing power (Portugal = 100)Per-capita index

107.3119.6

12.3better in Matosinhos

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

5.7 km2.9 km

2.8 kmbetter in Matosinhos

CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)

54/10061/100

7/100better in Matosinhos

Crèche placesTotal crèche places (excluding childminders)

1,6652,411

746better in Matosinhos

Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz

54%70%

16%better in Matosinhos

Ageing indexOlder people per 100 young (lower = younger)

172215

43better in Maia

Burnt land over 10 yearsShare of the land that burnt at least once in 10 years

1.8%0.3%

1.5%better in Matosinhos

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Maia and Matosinhos in the rankings

See where Maia and Matosinhos rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueMaia

Maia → Matosinhos →