Arcos de Valdevez vs Monção: cost of living compared
versus
Yearly saving in Arcos de Valdevez
€666/year
For a single person buying a home, Arcos de Valdevez works out cheaper. A home in Arcos de Valdevez costs €16,200 less.
You will
Household
Transport
60 m²
More adjustments
Arcos de ValdevezMonção
Estimated home price · 60 m²€55,800Δ €16,200€72,000
On the day you buy
Down payment€5,580€7,200
Transfer tax (IMT)€0€0
Stamp duty · purchase€446€576
Stamp duty · loan€301€389
Total upfront€6,328€8,165
Monthly payment€193€249
Mortgage payments35 years at 3.00% · 90% financed
€2,319€2,993
€674less in Arcos de Valdevez
Property tax (IMI)1VPT estimated at 50% of price
€95€108
€13less in Arcos de Valdevez
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Arcos de Valdevez
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 municipalityArcos de Valdevez gives back 2%, Monção gives back 3%
€40€60
€20less in Monção
Total per yearItems with data for both
€2,963€3,629
€666less in Arcos de Valdevez
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).
excluded from comparison (missing for the other municipality)
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
19%24%
5%better in Arcos de Valdevez
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+32%+54%
22 pointsrose more in Monção
Crime rateRecorded crimes per 1 000 residents
32.6/100020.6/1000
12.0/1000better in Monção
Average commuteOne way to work or school
17 min16 min
1 minbetter in Monção
Average salary (gross)Average monthly earnings, by place of work
€1,222/month€1,243/month
€21/monthbetter in Monção
Median salary (gross)Half of workers earn less than this, by place of work
€1,043/month€1,040/month
€3/monthbetter in Arcos de Valdevez
Purchasing power (Portugal = 100)Per-capita index
72.575.8
3.3better in Monção
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
15.9 km4.9 km
11.0 kmbetter in Monção
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
