assentar
PTEN

Coimbra

Arganil vs Penacova: cost of living compared

versus
Yearly saving in Penacova
€166/year

For a single person buying a home, Penacova works out cheaper. A home in Penacova costs €6,480 less.

You will
Household
Transport
60 m²
More adjustments
ArganilPenacova
Estimated home price · 60 m²€42,480Δ €6,480€36,000
On the day you buy
Down payment€4,248€3,600
Transfer tax (IMT)€0€0
Stamp duty · purchase€340€288
Stamp duty · loan€229€194
Total upfront€4,817€4,082
Monthly payment€147€125
Mortgage payments35 years at 3.00% · 90% financed
€270less in Penacova
Property tax (IMI)1VPT estimated at 50% of price
€10less in Penacova
Water, sewage and wasteOfficial tariffs · 4 m³/month
€44less in Arganil
ElectricityERSE regulated tariff · 1,469 kWh/year
same in both
GasNo network: butane bottles
same in both
Income tax refunded by the municipalityArganil gives back the 5%, Penacova gives back 1.5%
€70less in Arganil
Total per yearItems with data for both
€166less in Penacova

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
2%better in Penacova
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
35 pointsrose more in Arganil
Crime rateRecorded crimes per 1 000 residents
9.1/1000better in Penacova
Average commuteOne way to work or school
5 minbetter in Arganil
Average salary (gross)Average monthly earnings, by place of work
€257/monthbetter in Penacova
Median salary (gross)Half of workers earn less than this, by place of work
€38/monthbetter in Penacova
Purchasing power (Portugal = 100)Per-capita index
0.1better in Arganil
PharmaciesPer 1,000 people
0.20/1000better in Penacova
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
6.0 kmbetter in Arganil
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
16/100better in Penacova
Crèche placesTotal crèche places (excluding childminders)
53better in Penacova
Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz
same in both
Ageing indexOlder people per 100 young (lower = younger)
58better in Arganil
Burnt land over 10 yearsShare of the land that burnt at least once in 10 years
36%better in Penacova

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Arganil and Penacova in the rankings

See where Arganil and Penacova rank on each indicator: home prices, salaries, emergency care, crèches…

Choose the indicator →
Better valuePenacova

Arganil → Penacova →