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Aguiar da Beira vs Sernancelhe: cost of living compared

versus

Yearly difference

No home prices data for Aguiar da Beira: the total cost cannot be compared.

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)

Aguiar da BeiraSernancelhe

Estimated home price · 60 m²€29,040Δ €6,660€22,380

On the day you buy

Down payment€2,904€2,238

Transfer tax (IMT)€0€0

Stamp duty · purchase€232€179

Stamp duty · loan€157€121

Total upfront€3,293€2,538

Monthly payment€101€78

Mortgage payments35 years at 3.00% · 90% financed

€1,207€930

€277less in Sernancelhe

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

no data for Aguiar da Beira

Water, sewage and wasteOfficial tariffs · 4 m³/month

€137€175

€38less in Aguiar da Beira

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasNo network: butane bottles

€360€360

same in both

Income tax refunded by the municipalityAguiar da Beira gives back the 5%, Sernancelhe keeps the 5%

€100€0

€100less in Aguiar da Beira

Total per yearItems with data for both

no data for Aguiar da Beira

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

10%8%

2%better in Sernancelhe

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

no data for Aguiar da Beira

Crime rateRecorded crimes per 1 000 residents

26.5/100013.9/1000

12.6/1000better in Sernancelhe

Average commuteOne way to work or school

15 min15 min

same in both

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

€1,088/month€1,103/month

€15/monthbetter in Sernancelhe

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

€963/month€993/month

€30/monthbetter in Sernancelhe

Purchasing power (Portugal = 100)Per-capita index

69.764.7

5.0better in Aguiar da Beira

PharmaciesPer 1,000 people

0.40/10000.40/1000

same in both

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

22.4 km11.6 km

10.8 kmbetter in Sernancelhe

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

93/10085/100

8/100better in Aguiar da Beira

Crèche placesTotal crèche places (excluding childminders)

7466

8better in Aguiar da Beira

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

100%100%

same in both

Ageing indexOlder people per 100 young (lower = younger)

401358

43better in Sernancelhe

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

34%73%

39%better in Aguiar da Beira

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

Aguiar da Beira and Sernancelhe in the rankings

See where Aguiar da Beira and Sernancelhe rank on each indicator: home prices, salaries, emergency care, crèches…

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Aguiar da Beira → Sernancelhe →