Arcos de Valdevez vs Ponte de Lima: cost of living compared
versus
Yearly saving in Arcos de Valdevez
€1,700/year
For a single person buying a home, Arcos de Valdevez works out cheaper. A home in Arcos de Valdevez costs €40,920 less.
You will
Household
Transport
60 m²
More adjustments
Arcos de ValdevezPonte de Lima
Estimated home price · 60 m²€55,800Δ €40,920€96,720
On the day you buy
Down payment€5,580€9,672
Transfer tax (IMT)€0€0
Stamp duty · purchase€446€774
Stamp duty · loan€301€522
Total upfront€6,328€10,968
Monthly payment€193€335
Mortgage payments35 years at 3.00% · 90% financed
€2,319€4,020
€1,701less in Arcos de Valdevez
Property tax (IMI)1VPT estimated at 50% of price
€95€155
€60less 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%, Ponte de Lima gives back the 5%
€40€100
€60less in Ponte de Lima
Total per yearItems with data for both
€2,963€4,663
€1,700less 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%31%
12%better in Arcos de Valdevez
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+32%+65%
33 pointsrose more in Ponte de Lima
Crime rateRecorded crimes per 1 000 residents
32.6/100023.1/1000
9.5/1000better in Ponte de Lima
Average commuteOne way to work or school
17 min19 min
2 minbetter in Arcos de Valdevez
Average salary (gross)Average monthly earnings, by place of work
€1,222/month€1,260/month
€38/monthbetter in Ponte de Lima
Median salary (gross)Half of workers earn less than this, by place of work
€1,043/month€1,091/month
€48/monthbetter in Ponte de Lima
Purchasing power (Portugal = 100)Per-capita index
72.578.1
5.6better in Ponte de Lima
PharmaciesPer 1,000 people
0.30/10000.20/1000
0.10/1000better in Arcos de Valdevez
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
15.9 km5.3 km
10.6 kmbetter in Ponte de Lima
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
