For a single person buying a home, Arganil works out cheaper. A home in Arganil costs €24,960 less.
You will
Household
Transport
60 m²
More adjustments
ArganilCovilhã
Estimated home price · 60 m²€42,480Δ €24,960€67,440
On the day you buy
Down payment€4,248€6,744
Transfer tax (IMT)€0€0
Stamp duty · purchase€340€540
Stamp duty · loan€229€364
Total upfront€4,817€7,648
Monthly payment€147€234
Mortgage payments35 years at 3.00% · 90% financed
€1,766€2,803
€1,037less in Arganil
Property tax (IMI)1VPT estimated at 50% of price
€64€101
€37less in Arganil
Water, sewage and wasteOfficial tariffs · 4 m³/month
€188€223
€35less in Arganil
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasArganil: bottle · Covilhã: network
€360€209
€151less in Covilhã
Income tax refunded by the municipalityArganil gives back the 5%, Covilhã keeps the 5%
€100€0
€100less in Arganil
Total per yearItems with data for both
€2,657€3,716
€1,059less in Arganil
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
14%22%
8%better in Arganil
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+51%+63%
12 pointsrose more in Covilhã
Crime rateRecorded crimes per 1 000 residents
26.2/100031.5/1000
5.3/1000better in Arganil
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,163/month€1,310/month
€147/monthbetter in Covilhã
Median salary (gross)Half of workers earn less than this, by place of work
€1,023/month€1,072/month
€49/monthbetter in Covilhã
Purchasing power (Portugal = 100)Per-capita index
71.589.2
17.7better in Covilhã
PharmaciesPer 1,000 people
0.30/10000.40/1000
0.10/1000better in Covilhã
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
6.0 km5.3 km
0.7 kmbetter in Covilhã
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
