Santa Marta de Penaguião vs Vila Real: cost of living compared
versus
Yearly saving in Santa Marta de Penaguião
€3,302/year
For a single person buying a home, Santa Marta de Penaguião works out cheaper. A home in Santa Marta de Penaguião costs €73,680 less.
You will
Household
Transport
60 m²
More adjustments
Santa Marta de PenaguiãoVila Real
Estimated home price · 60 m²€31,980Δ €73,680€105,660
On the day you buy
Down payment€3,198€10,566
Transfer tax (IMT)€0€0
Stamp duty · purchase€256€845
Stamp duty · loan€173€571
Total upfront€3,627€11,982
Monthly payment€111€366
Mortgage payments35 years at 3.00% · 90% financed
€1,329€4,392
€3,063less in Santa Marta de Penaguião
Property tax (IMI)1VPT estimated at 50% of price
€48€203
€155less in Santa Marta de Penaguião
Water, sewage and wasteOfficial tariffs · 4 m³/month
€276€254
€22less in Vila Real
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€235
€26less in Santa Marta de Penaguião
Income tax refunded by the municipalitySanta Marta de Penaguião gives back 4.5%, Vila Real gives back 0.5%
€90€10
€80less in Santa Marta de Penaguião
Total per yearItems with data for both
€2,152€5,454
€3,302less 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).
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
11%32%
21%better in Santa Marta de Penaguião
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+19%+87%
68 pointsrose more in Vila Real
Crime rateRecorded crimes per 1 000 residents
18.5/100023.8/1000
5.3/1000better in Santa Marta de Penaguião
Average commuteOne way to work or school
18 min16 min
2 minbetter in Vila Real
Average salary (gross)Average monthly earnings, by place of work
€1,089/month€1,427/month
€338/monthbetter in Vila Real
Median salary (gross)Half of workers earn less than this, by place of work
€981/month€1,128/month
€147/monthbetter in Vila Real
Purchasing power (Portugal = 100)Per-capita index
65.099.1
34.1better in Vila Real
PharmaciesPer 1,000 people
0.30/10000.30/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
10.4 km4.0 km
6.4 kmbetter in Vila Real
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
