For a single person buying a home, Almeida works out cheaper. A home in Almeida costs €30,180 less.
You will
Household
Transport
60 m²
More adjustments
AlmeidaGuarda
Estimated home price · 60 m²€24,840Δ €30,180€55,020
On the day you buy
Down payment€2,484€5,502
Transfer tax (IMT)€0€0
Stamp duty · purchase€199€440
Stamp duty · loan€134€297
Total upfront€2,817€6,239
Monthly payment€86€191
Mortgage payments35 years at 3.00% · 90% financed
€1,032€2,287
€1,255less in Almeida
Property tax (IMI)1VPT estimated at 50% of price
€37€103
€66less in Almeida
Water, sewage and wasteOfficial tariffs · 4 m³/month
€178€244
€66less in Almeida
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasAlmeida: bottle · Guarda: network
€360€209
€151less in Guarda
Income tax refunded by the municipalityAlmeida gives back the 5%, Guarda gives back 1.3%
€100€25
€75less in Almeida
Total per yearItems with data for both
€1,887€3,197
€1,310less in Almeida
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
8%16%
8%better in Almeida
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+73%+38%
35 pointsrose more in Almeida
Crime rateRecorded crimes per 1 000 residents
46.1/100024.2/1000
21.9/1000better in Guarda
Average commuteOne way to work or school
16 min15 min
1 minbetter in Guarda
Average salary (gross)Average monthly earnings, by place of work
€1,163/month€1,452/month
€289/monthbetter in Guarda
Median salary (gross)Half of workers earn less than this, by place of work
€1,037/month€1,156/month
€119/monthbetter in Guarda
Purchasing power (Portugal = 100)Per-capita index
75.695.9
20.3better in Guarda
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Almeida
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
34.8 km4.8 km
30.0 kmbetter in Guarda
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
