For a single person buying a home, Ansião works out cheaper. A home in Ansião costs €1,860 less.
You will
Household
Transport
60 m²
More adjustments
AnsiãoPenela
Estimated home price · 60 m²€45,000Δ €1,860€46,860
On the day you buy
Down payment€4,500€4,686
Transfer tax (IMT)€0€0
Stamp duty · purchase€360€375
Stamp duty · loan€243€253
Total upfront€5,103€5,314
Monthly payment€156€162
Mortgage payments35 years at 3.00% · 90% financed
€1,870€1,948
€78less in Ansião
Property tax (IMI)1VPT estimated at 50% of price
€68€88
€20less in Ansião
Water, sewage and wasteOfficial tariffs · 4 m³/month
€281€281
same in both
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 municipalityAnsião gives back 4%, Penela keeps the 5%
€80€0
€80less in Ansião
Total per yearItems with data for both
€2,878€3,056
€178less in Ansião
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
15%14%
1%better in Penela
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+51%+34%
17 pointsrose more in Ansião
Crime rateRecorded crimes per 1 000 residents
21.5/100026.9/1000
5.4/1000better in Ansião
Average commuteOne way to work or school
18 min18 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,259/month€1,281/month
€22/monthbetter in Penela
Median salary (gross)Half of workers earn less than this, by place of work
€1,048/month€1,141/month
€93/monthbetter in Penela
Purchasing power (Portugal = 100)Per-capita index
78.176.4
1.7better in Ansião
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Ansião
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
17.2 km21.5 km
4.3 kmbetter in Ansião
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
