Alter do Chão vs Monforte: cost of living compared
versus
Yearly saving in Alter do Chão
€96/year
For a single person buying a home, Alter do Chão works out cheaper. A home in Alter do Chão costs €3,960 less.
You will
Household
Transport
60 m²
More adjustments
Alter do ChãoMonforte
Estimated home price · 60 m²€29,280Δ €3,960€33,240
On the day you buy
Down payment€2,928€3,324
Transfer tax (IMT)€0€0
Stamp duty · purchase€234€266
Stamp duty · loan€158€179
Total upfront€3,320€3,769
Monthly payment€101€115
Mortgage payments35 years at 3.00% · 90% financed
€1,217€1,382
€165less in Alter do Chão
Property tax (IMI)1VPT estimated at 50% of price
€44€57
€13less in Alter do Chão
Water, sewage and wasteOfficial tariffs · 4 m³/month
€291€169
€122less in Monforte
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 municipalityAlter do Chão gives back 2.5%, Monforte gives back 0.5%
€50€10
€40less in Alter do Chão
Total per yearItems with data for both
€2,241€2,337
€96less in Alter do Chão
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
10%11%
1%better in Alter do Chão
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+90%+74%
16 pointsrose more in Alter do Chão
Crime rateRecorded crimes per 1 000 residents
34.8/100032.7/1000
2.1/1000better in Monforte
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,157/month€1,258/month
€101/monthbetter in Monforte
Median salary (gross)Half of workers earn less than this, by place of work
€1,030/month€1,095/month
€65/monthbetter in Monforte
Purchasing power (Portugal = 100)Per-capita index
77.474.9
2.5better in Alter do Chão
PharmaciesPer 1,000 people
1.30/10001.40/1000
0.10/1000better in Monforte
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
26.5 km22.5 km
4.0 kmbetter in Monforte
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
