For a single person buying a home, Sernancelhe works out cheaper. A home in Sernancelhe costs €20,520 less.
You will
Household
Transport
60 m²
More adjustments
SátãoSernancelhe
Estimated home price · 60 m²€42,900Δ €20,520€22,380
On the day you buy
Down payment€4,290€2,238
Transfer tax (IMT)€0€0
Stamp duty · purchase€343€179
Stamp duty · loan€232€121
Total upfront€4,865€2,538
Monthly payment€149€78
Mortgage payments35 years at 3.00% · 90% financed
€1,783€930
€853less in Sernancelhe
Property tax (IMI)1VPT estimated at 50% of price
€64€34
€30less in Sernancelhe
Water, sewage and wasteOfficial tariffs · 4 m³/month
€147€175
€28less in Sátão
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasSátão: network · Sernancelhe: bottle
€209€360
€151less in Sátão
Income tax refunded by the municipalitySátão keeps the 5%, Sernancelhe keeps the 5%
€0€0
same in both
Total per yearItems with data for both
€2,583€1,878
€705less in Sernancelhe
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
15%8%
7%better in Sernancelhe
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+59%+5%
54 pointsrose more in Sátão
Crime rateRecorded crimes per 1 000 residents
17.0/100013.9/1000
3.1/1000better in Sernancelhe
Average commuteOne way to work or school
18 min15 min
3 minbetter in Sernancelhe
Average salary (gross)Average monthly earnings, by place of work
€1,097/month€1,103/month
€6/monthbetter in Sernancelhe
Median salary (gross)Half of workers earn less than this, by place of work
€993/month€993/month
same in both
Purchasing power (Portugal = 100)Per-capita index
70.164.7
5.4better in Sátão
PharmaciesPer 1,000 people
0.30/10000.40/1000
0.10/1000better in Sernancelhe
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
18.8 km11.6 km
7.2 kmbetter in Sernancelhe
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
