Arganil vs Pampilhosa da Serra: cost of living compared
versus
Yearly saving in Pampilhosa da Serra
€530/year
For a single person buying a home, Pampilhosa da Serra works out cheaper. A home in Pampilhosa da Serra costs €14,460 less.
You will
Household
Transport
60 m²
More adjustments
ArganilPampilhosa da Serra
Estimated home price · 60 m²€42,480Δ €14,460€28,020
On the day you buy
Down payment€4,248€2,802
Transfer tax (IMT)€0€0
Stamp duty · purchase€340€224
Stamp duty · loan€229€151
Total upfront€4,817€3,177
Monthly payment€147€97
Mortgage payments35 years at 3.00% · 90% financed
€1,766€1,165
€601less in Pampilhosa da Serra
Property tax (IMI)1VPT estimated at 50% of price
€64€42
€22less in Pampilhosa da Serra
Water, sewage and wasteOfficial tariffs · 4 m³/month
€188€281
€93less in Arganil
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 municipalityArganil gives back the 5%, Pampilhosa da Serra gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€2,657€2,127
€530less in Pampilhosa da Serra
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%10%
4%better in Pampilhosa da Serra
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+51%+126%
75 pointsrose more in Pampilhosa da Serra
Crime rateRecorded crimes per 1 000 residents
26.2/100019.1/1000
7.1/1000better in Pampilhosa da Serra
Average commuteOne way to work or school
16 min20 min
4 minbetter in Arganil
Average salary (gross)Average monthly earnings, by place of work
€1,163/month€1,136/month
€27/monthbetter in Arganil
Median salary (gross)Half of workers earn less than this, by place of work
€1,023/month€1,007/month
€16/monthbetter in Arganil
Purchasing power (Portugal = 100)Per-capita index
71.566.8
4.7better in Arganil
PharmaciesPer 1,000 people
0.30/10000.60/1000
0.30/1000better in Pampilhosa da Serra
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
6.0 km22.7 km
16.7 kmbetter in Arganil
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
