Penacova vs Vila Nova de Poiares: cost of living compared
versus
Yearly saving in Penacova
€1,294/year
For a single person buying a home, Penacova works out cheaper. A home in Penacova costs €27,540 less.
You will
Household
Transport
60 m²
More adjustments
PenacovaVila Nova de Poiares
Estimated home price · 60 m²€36,000Δ €27,540€63,540
On the day you buy
Down payment€3,600€6,354
Transfer tax (IMT)€0€0
Stamp duty · purchase€288€508
Stamp duty · loan€194€343
Total upfront€4,082€7,205
Monthly payment€125€220
Mortgage payments35 years at 3.00% · 90% financed
€1,496€2,641
€1,145less in Penacova
Property tax (IMI)1VPT estimated at 50% of price
€54€124
€70less in Penacova
Water, sewage and wasteOfficial tariffs · 4 m³/month
€232€281
€49less in Penacova
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityPenacova gives back 1.5%, Vila Nova de Poiares keeps the 5%
€30€0
€30less in Penacova
Total per yearItems with data for both
€2,491€3,785
€1,294less in Penacova
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
12%19%
7%better in Penacova
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+16%+118%
102 pointsrose more in Vila Nova de Poiares
Crime rateRecorded crimes per 1 000 residents
17.1/100018.6/1000
1.5/1000better in Penacova
Average commuteOne way to work or school
21 min17 min
4 minbetter in Vila Nova de Poiares
Average salary (gross)Average monthly earnings, by place of work
€1,420/month€1,297/month
€123/monthbetter in Penacova
Median salary (gross)Half of workers earn less than this, by place of work
€1,061/month€1,144/month
€83/monthbetter in Vila Nova de Poiares
Purchasing power (Portugal = 100)Per-capita index
71.477.3
5.9better in Vila Nova de Poiares
PharmaciesPer 1,000 people
0.50/10000.30/1000
0.20/1000better in Penacova
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
12.0 km13.0 km
1.0 kmbetter in Penacova
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
