For a single person buying a home, Alcoutim works out cheaper. A home in Alcoutim costs €187,260 less.
You will
Household
Transport
60 m²
More adjustments
AlcoutimLoulé
Estimated home price · 60 m²€60,960Δ €187,260€248,220
On the day you buy
Down payment€6,096€24,822
Transfer tax (IMT)€0€6,917
Stamp duty · purchase€488€1,986
Stamp duty · loan€329€1,340
Total upfront€6,913€35,066
Monthly payment€211€860
Mortgage payments35 years at 3.00% · 90% financed
€2,534€10,317
€7,783less in Alcoutim
Property tax (IMI)1VPT estimated at 50% of price
€91€372
€281less in Alcoutim
Water, sewage and wasteOfficial tariffs · 4 m³/month
€216€227
€11less in Alcoutim
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 municipalityAlcoutim gives back the 5%, Loulé gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€3,481€11,556
€8,075less in Alcoutim
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
20%76%
56%better in Alcoutim
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+97%+73%
24 pointsrose more in Alcoutim
Crime rateRecorded crimes per 1 000 residents
44.6/100048.8/1000
4.2/1000better in Alcoutim
Average commuteOne way to work or school
20 min15 min
5 minbetter in Loulé
Average salary (gross)Average monthly earnings, by place of work
€1,208/month€1,347/month
€139/monthbetter in Loulé
Median salary (gross)Half of workers earn less than this, by place of work
€1,075/month€1,132/month
€57/monthbetter in Loulé
Purchasing power (Portugal = 100)Per-capita index
71.6108.6
37.0better in Loulé
PharmaciesPer 1,000 people
0.80/10000.20/1000
0.60/1000better in Alcoutim
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
33.7 km7.2 km
26.5 kmbetter in Loulé
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
