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Povoação vs Vila Franca do Campo: cost of living compared

versus

Yearly saving in Povoação

€327/year

For a single person buying a home, Povoação works out cheaper. A home in Povoação costs €5,040 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)

PovoaçãoVila Franca do Campo

Estimated home price · 60 m²€91,740Δ €5,040€96,780

On the day you buy

Down payment€9,174€9,678

Transfer tax (IMT)€0€0

Stamp duty · purchase€734€774

Stamp duty · loan€495€523

Total upfront€10,403€10,975

Monthly payment€318€335

Mortgage payments35 years at 3.00% · 90% financed

€3,813€4,023

€210less in Povoação

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

€138€206

€68less in Povoação

Water, sewage and wasteOfficial tariffs · 4 m³/month

no data for Povoação

ElectricityERSE regulated tariff · 1,469 kWh/year

€377€377

same in both

GasNo network: butane bottles

€235€235

same in both

Income tax refunded by the municipalityPovoação gives back 2.5%, Vila Franca do Campo keeps the 5%

€50€0

€50less in Povoação

Total per yearItems with data for both

€4,513€4,840

€327less in Povoação

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

31%33%

2%better in Povoação

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

+101%+98%

3 pointsrose more in Povoação

Crime rateRecorded crimes per 1 000 residents

33.9/100025.4/1000

8.5/1000better in Vila Franca do Campo

Average commuteOne way to work or school

14 min17 min

3 minbetter in Povoação

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

€1,162/month€1,142/month

€20/monthbetter in Povoação

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

€1,018/month€1,007/month

€11/monthbetter in Povoação

Purchasing power (Portugal = 100)Per-capita index

68.773.6

4.9better in Vila Franca do Campo

PharmaciesPer 1,000 people

0.40/10000.20/1000

0.20/1000better in Povoação

Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department

3.7 km15.6 km

11.9 kmbetter in Povoação

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

no data

Crèche placesTotal crèche places (excluding childminders)

no data

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

no data

Ageing indexOlder people per 100 young (lower = younger)

155128

27better in Vila Franca do Campo

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

0%0%

same in both

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

Povoação and Vila Franca do Campo in the rankings

See where Povoação and Vila Franca do Campo rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valuePovoação

Povoação → Vila Franca do Campo →