Peso da Régua vs Santa Marta de Penaguião: cost of living compared
versus
Yearly saving in Santa Marta de Penaguião
€1,527/year
For a single person buying a home, Santa Marta de Penaguião works out cheaper. A home in Santa Marta de Penaguião costs €32,700 less.
You will
Household
Transport
60 m²
More adjustments
Peso da RéguaSanta Marta de Penaguião
Estimated home price · 60 m²€64,680Δ €32,700€31,980
On the day you buy
Down payment€6,468€3,198
Transfer tax (IMT)€0€0
Stamp duty · purchase€517€256
Stamp duty · loan€349€173
Total upfront€7,335€3,627
Monthly payment€224€111
Mortgage payments35 years at 3.00% · 90% financed
€2,688€1,329
€1,359less in Santa Marta de Penaguião
Property tax (IMI)1VPT estimated at 50% of price
€120€48
€72less in Santa Marta de Penaguião
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Peso da Régua
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€216€209
€7less in Santa Marta de Penaguião
Income tax refunded by the municipalityPeso da Régua keeps the 5%, Santa Marta de Penaguião gives back 4.5%
€0€90
€90less in Santa Marta de Penaguião
Total per yearItems with data for both
€3,403€1,876
€1,527less in Santa Marta de Penaguião
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
22%11%
11%better in Santa Marta de Penaguião
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+44%+19%
25 pointsrose more in Peso da Régua
Crime rateRecorded crimes per 1 000 residents
23.4/100018.5/1000
4.9/1000better in Santa Marta de Penaguião
Average commuteOne way to work or school
18 min18 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,242/month€1,089/month
€153/monthbetter in Peso da Régua
Median salary (gross)Half of workers earn less than this, by place of work
€1,025/month€981/month
€44/monthbetter in Peso da Régua
Purchasing power (Portugal = 100)Per-capita index
83.065.0
18.0better in Peso da Régua
PharmaciesPer 1,000 people
0.50/10000.30/1000
0.20/1000better in Peso da Régua
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
10.2 km10.4 km
0.2 kmbetter in Peso da Régua
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
