Albergaria-a-Velha vs Murtosa: cost of living compared
versus
Yearly saving in Murtosa
€193/year
For a single person buying a home, Murtosa works out cheaper. A home in Murtosa costs €3,660 less.
You will
Household
Transport
60 m²
More adjustments
Albergaria-a-VelhaMurtosa
Estimated home price · 60 m²€89,280Δ €3,660€85,620
On the day you buy
Down payment€8,928€8,562
Transfer tax (IMT)€0€0
Stamp duty · purchase€714€685
Stamp duty · loan€482€462
Total upfront€10,124€9,709
Monthly payment€309€297
Mortgage payments35 years at 3.00% · 90% financed
€3,711€3,559
€152less in Murtosa
Property tax (IMI)1VPT estimated at 50% of price
€134€137
€3less in Albergaria-a-Velha
Water, sewage and wasteOfficial tariffs · 4 m³/month
€346€277
€69less in Murtosa
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€209
same in both
Income tax refunded by the municipalityAlbergaria-a-Velha gives back 2.3%, Murtosa gives back 1%
€45€20
€25less in Albergaria-a-Velha
Total per yearItems with data for both
€4,734€4,541
€193less in Murtosa
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
25%28%
3%better in Albergaria-a-Velha
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+83%+51%
32 pointsrose more in Albergaria-a-Velha
Crime rateRecorded crimes per 1 000 residents
32.1/100023.5/1000
8.6/1000better in Murtosa
Average commuteOne way to work or school
16 min19 min
3 minbetter in Albergaria-a-Velha
Average salary (gross)Average monthly earnings, by place of work
€1,454/month€1,203/month
€251/monthbetter in Albergaria-a-Velha
Median salary (gross)Half of workers earn less than this, by place of work
€1,245/month€1,045/month
€200/monthbetter in Albergaria-a-Velha
Purchasing power (Portugal = 100)Per-capita index
85.472.1
13.3better in Albergaria-a-Velha
PharmaciesPer 1,000 people
0.30/10000.40/1000
0.10/1000better in Murtosa
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
11.1 km13.5 km
2.4 kmbetter in Albergaria-a-Velha
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
