For a single person buying a home, Almada works out cheaper. A home in Almada costs €108,300 less.
You will
Household
Transport
60 m²
More adjustments
LisboaAlmada
Estimated home price · 60 m²€311,520Δ €108,300€203,220
On the day you buy
Down payment€31,152€20,322
Transfer tax (IMT)€11,348€3,767
Stamp duty · purchase€2,492€1,626
Stamp duty · loan€1,682€1,097
Total upfront€46,675€26,813
Monthly payment€1,079€704
Mortgage payments35 years at 3.00% · 90% financed
€12,948€8,447
€4,501less in Almada
Property tax (IMI)1VPT estimated at 50% of price
€467€356
€111less in Almada
Water, sewage and wasteOfficial tariffs · 4 m³/month
€190€219
€29less in Lisboa
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€218€218
same in both
Income tax refunded by the municipalityLisboa gives back the 5%, Almada keeps the 5%
€100€0
€100less in Lisboa
Total per yearItems with data for both
€14,103€9,619
€4,484less in Almada
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
69%63%
6%better in Almada
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+55%+84%
29 pointsrose more in Almada
Crime rateRecorded crimes per 1 000 residents
49.9/100032.9/1000
17.0/1000better in Almada
Average commuteOne way to work or school
22 min28 min
6 minbetter in Lisboa
Average salary (gross)Average monthly earnings, by place of work
€2,121/month€1,432/month
€689/monthbetter in Lisboa
Median salary (gross)Half of workers earn less than this, by place of work
€1,571/month€1,121/month
€450/monthbetter in Lisboa
Purchasing power (Portugal = 100)Per-capita index
181.4106.0
75.4better in Lisboa
PharmaciesPer 1,000 people
0.40/10000.20/1000
0.20/1000better in Lisboa
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
2.5 km3.5 km
1.0 kmbetter in Lisboa
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
