Oliveira de Azeméis vs Vale de Cambra: cost of living compared
versus
Yearly saving in Vale de Cambra
€983/year
For a single person buying a home, Vale de Cambra works out cheaper. A home in Vale de Cambra costs €18,420 less.
You will
Household
Transport
60 m²
More adjustments
Oliveira de AzeméisVale de Cambra
Estimated home price · 60 m²€90,420Δ €18,420€72,000
On the day you buy
Down payment€9,042€7,200
Transfer tax (IMT)€0€0
Stamp duty · purchase€723€576
Stamp duty · loan€488€389
Total upfront€10,254€8,165
Monthly payment€313€249
Mortgage payments35 years at 3.00% · 90% financed
€3,758€2,993
€765less in Vale de Cambra
Property tax (IMI)1VPT estimated at 50% of price
€136€108
€28less in Vale de Cambra
Water, sewage and wasteOfficial tariffs · 4 m³/month
€297€157
€140less in Vale de Cambra
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 municipalityOliveira de Azeméis keeps the 5%, Vale de Cambra gives back 2.5%
€0€50
€50less in Vale de Cambra
Total per yearItems with data for both
€4,779€3,796
€983less in Vale de Cambra
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
26%20%
6%better in Vale de Cambra
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+88%+45%
43 pointsrose more in Oliveira de Azeméis
Crime rateRecorded crimes per 1 000 residents
20.4/100023.8/1000
3.4/1000better in Oliveira de Azeméis
Average commuteOne way to work or school
14 min16 min
2 minbetter in Oliveira de Azeméis
Average salary (gross)Average monthly earnings, by place of work
€1,463/month€1,471/month
€8/monthbetter in Vale de Cambra
Median salary (gross)Half of workers earn less than this, by place of work
€1,187/month€1,225/month
€38/monthbetter in Vale de Cambra
Purchasing power (Portugal = 100)Per-capita index
85.086.5
1.5better in Vale de Cambra
PharmaciesPer 1,000 people
0.20/10000.30/1000
0.10/1000better in Vale de Cambra
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
3.4 km8.0 km
4.6 kmbetter in Oliveira de Azeméis
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
