Albergaria-a-Velha vs Oliveira de Azeméis: cost of living compared
versus
Yearly saving in Albergaria-a-Velha
€45/year
For a single person buying a home, Albergaria-a-Velha works out cheaper. A home in Albergaria-a-Velha costs €1,140 less.
You will
Household
Transport
60 m²
More adjustments
Albergaria-a-VelhaOliveira de Azeméis
Estimated home price · 60 m²€89,280Δ €1,140€90,420
On the day you buy
Down payment€8,928€9,042
Transfer tax (IMT)€0€0
Stamp duty · purchase€714€723
Stamp duty · loan€482€488
Total upfront€10,124€10,254
Monthly payment€309€313
Mortgage payments35 years at 3.00% · 90% financed
€3,711€3,758
€47less in Albergaria-a-Velha
Property tax (IMI)1VPT estimated at 50% of price
€134€136
€2less in Albergaria-a-Velha
Water, sewage and wasteOfficial tariffs · 4 m³/month
€346€297
€49less in Oliveira de Azeméis
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%, Oliveira de Azeméis keeps the 5%
€45€0
€45less in Albergaria-a-Velha
Total per yearItems with data for both
€4,734€4,779
€45less in Albergaria-a-Velha
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%26%
1%better in Albergaria-a-Velha
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+83%+88%
5 pointsrose more in Oliveira de Azeméis
Crime rateRecorded crimes per 1 000 residents
32.1/100020.4/1000
11.7/1000better in Oliveira de Azeméis
Average commuteOne way to work or school
16 min14 min
2 minbetter in Oliveira de Azeméis
Average salary (gross)Average monthly earnings, by place of work
€1,454/month€1,463/month
€9/monthbetter in Oliveira de Azeméis
Median salary (gross)Half of workers earn less than this, by place of work
€1,245/month€1,187/month
€58/monthbetter in Albergaria-a-Velha
Purchasing power (Portugal = 100)Per-capita index
85.485.0
0.4better in Albergaria-a-Velha
PharmaciesPer 1,000 people
0.30/10000.20/1000
0.10/1000better in Albergaria-a-Velha
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
11.1 km3.4 km
7.7 kmbetter in Oliveira de Azeméis
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
