For a single person buying a home, Albufeira works out cheaper. A home in Albufeira costs €38,820 less.
You will
Household
Transport
60 m²
More adjustments
AlbufeiraLoulé
Estimated home price · 60 m²€209,400Δ €38,820€248,220
On the day you buy
Down payment€20,940€24,822
Transfer tax (IMT)€4,200€6,917
Stamp duty · purchase€1,675€1,986
Stamp duty · loan€1,131€1,340
Total upfront€27,946€35,066
Monthly payment€725€860
Mortgage payments35 years at 3.00% · 90% financed
€8,703€10,317
€1,614less in Albufeira
Property tax (IMI)1VPT estimated at 50% of price
€314€372
€58less in Albufeira
Water, sewage and wasteOfficial tariffs · 4 m³/month
€172€227
€55less in Albufeira
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 municipalityAlbufeira gives back the 5%, Loulé gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€9,830€11,556
€1,726less in Albufeira
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
67%76%
9%better in Albufeira
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+67%+73%
6 pointsrose more in Loulé
Crime rateRecorded crimes per 1 000 residents
66.3/100048.8/1000
17.5/1000better in Loulé
Average commuteOne way to work or school
15 min15 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,277/month€1,347/month
€70/monthbetter in Loulé
Median salary (gross)Half of workers earn less than this, by place of work
€1,084/month€1,132/month
€48/monthbetter in Loulé
Purchasing power (Portugal = 100)Per-capita index
104.1108.6
4.5better in Loulé
PharmaciesPer 1,000 people
0.10/10000.20/1000
0.10/1000better in Loulé
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
3.6 km7.2 km
3.6 kmbetter in Albufeira
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
