For a single person buying a home, Mortágua works out cheaper. A home in Mortágua costs €14,220 less.
You will
Household
Transport
60 m²
More adjustments
AnadiaMortágua
Estimated home price · 60 m²€62,880Δ €14,220€48,660
On the day you buy
Down payment€6,288€4,866
Transfer tax (IMT)€0€0
Stamp duty · purchase€503€389
Stamp duty · loan€340€263
Total upfront€7,131€5,518
Monthly payment€218€169
Mortgage payments35 years at 3.00% · 90% financed
€2,614€2,022
€592less in Mortágua
Property tax (IMI)1VPT estimated at 50% of price
€94€73
€21less in Mortágua
Water, sewage and wasteOfficial tariffs · 4 m³/month
€216€183
€33less in Mortágua
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€209
same in both
Income tax refunded by the municipalityAnadia gives back 2%, Mortágua gives back the 5%
€40€100
€60less in Mortágua
Total per yearItems with data for both
€3,472€2,766
€706less in Mortágua
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%14%
6%better in Mortágua
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+71%+57%
14 pointsrose more in Anadia
Crime rateRecorded crimes per 1 000 residents
22.9/100019.4/1000
3.5/1000better in Mortágua
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,302/month€1,448/month
€146/monthbetter in Mortágua
Median salary (gross)Half of workers earn less than this, by place of work
€1,106/month€1,185/month
€79/monthbetter in Mortágua
Purchasing power (Portugal = 100)Per-capita index
82.280.4
1.8better in Anadia
PharmaciesPer 1,000 people
0.40/10000.40/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
14.6 km19.2 km
4.6 kmbetter in Anadia
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
