Amarante vs Santa Marta de Penaguião: cost of living compared
versus
Yearly saving in Santa Marta de Penaguião
€1,907/year
For a single person buying a home, Santa Marta de Penaguião works out cheaper. A home in Santa Marta de Penaguião costs €40,680 less.
You will
Household
Transport
60 m²
More adjustments
AmaranteSanta Marta de Penaguião
Estimated home price · 60 m²€72,660Δ €40,680€31,980
On the day you buy
Down payment€7,266€3,198
Transfer tax (IMT)€0€0
Stamp duty · purchase€581€256
Stamp duty · loan€392€173
Total upfront€8,240€3,627
Monthly payment€252€111
Mortgage payments35 years at 3.00% · 90% financed
€3,020€1,329
€1,691less in Santa Marta de Penaguião
Property tax (IMI)1VPT estimated at 50% of price
€109€48
€61less in Santa Marta de Penaguião
Water, sewage and wasteOfficial tariffs · 4 m³/month
€323€276
€47less in Santa Marta de Penaguião
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€227€209
€18less in Santa Marta de Penaguião
Income tax refunded by the municipalityAmarante keeps the 5%, Santa Marta de Penaguião gives back 4.5%
€0€90
€90less in Santa Marta de Penaguião
Total per yearItems with data for both
€4,059€2,152
€1,907less in Santa Marta de Penaguião
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
24%11%
13%better in Santa Marta de Penaguião
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+59%+19%
40 pointsrose more in Amarante
Crime rateRecorded crimes per 1 000 residents
20.4/100018.5/1000
1.9/1000better in Santa Marta de Penaguião
Average commuteOne way to work or school
20 min18 min
2 minbetter in Santa Marta de Penaguião
Average salary (gross)Average monthly earnings, by place of work
€1,240/month€1,089/month
€151/monthbetter in Amarante
Median salary (gross)Half of workers earn less than this, by place of work
€1,058/month€981/month
€77/monthbetter in Amarante
Purchasing power (Portugal = 100)Per-capita index
75.865.0
10.8better in Amarante
PharmaciesPer 1,000 people
0.30/10000.30/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.9 km10.4 km
4.5 kmbetter in Amarante
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
