For a single person buying a home, Palmela works out cheaper. A home in Palmela costs €960 less.
You will
Household
Transport
60 m²
More adjustments
MoitaPalmela
Estimated home price · 60 m²€152,280Δ €960€151,320
On the day you buy
Down payment€15,228€15,132
Transfer tax (IMT)€1,123€1,075
Stamp duty · purchase€1,218€1,211
Stamp duty · loan€822€817
Total upfront€18,392€18,235
Monthly payment€527€524
Mortgage payments35 years at 3.00% · 90% financed
€6,329€6,289
€40less in Palmela
Property tax (IMI)1VPT estimated at 50% of price
€278€227
€51less in Palmela
Water, sewage and wasteOfficial tariffs · 4 m³/month
€194€169
€25less in Palmela
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€240€219
€21less in Palmela
Income tax refunded by the municipalityPalmela keeps the 5%
no data for Moita
Total per yearItems with data for both
€7,421€7,284
€137less in Palmela
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).
excluded from comparison (missing for the other municipality)
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
49%37%
12%better in Palmela
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+163%+104%
59 pointsrose more in Moita
Crime rateRecorded crimes per 1 000 residents
29.8/100032.1/1000
2.3/1000better in Moita
Average commuteOne way to work or school
29 min25 min
4 minbetter in Palmela
Average salary (gross)Average monthly earnings, by place of work
€1,346/month€1,739/month
€393/monthbetter in Palmela
Median salary (gross)Half of workers earn less than this, by place of work
€1,077/month€1,424/month
€347/monthbetter in Palmela
Purchasing power (Portugal = 100)Per-capita index
84.096.2
12.2better in Palmela
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
3.3 km9.1 km
5.8 kmbetter in Moita
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
