For a single person buying a home, Arganil works out cheaper. A home in Arganil costs €1,980 less.
You will
Household
Transport
60 m²
More adjustments
ArganilSeia
Estimated home price · 60 m²€42,480Δ €1,980€44,460
On the day you buy
Down payment€4,248€4,446
Transfer tax (IMT)€0€0
Stamp duty · purchase€340€356
Stamp duty · loan€229€240
Total upfront€4,817€5,042
Monthly payment€147€154
Mortgage payments35 years at 3.00% · 90% financed
€1,766€1,848
€82less in Arganil
Property tax (IMI)1VPT estimated at 50% of price
€64€76
€12less in Arganil
Water, sewage and wasteOfficial tariffs · 4 m³/month
€188€210
€22less in Arganil
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasArganil: bottle · Seia: network
€360€209
€151less in Seia
Income tax refunded by the municipalityArganil gives back the 5%, Seia gives back 2.5%
€100€50
€50less in Arganil
Total per yearItems with data for both
€2,657€2,672
€15less 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%15%
1%better in Arganil
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+51%+73%
22 pointsrose more in Seia
Crime rateRecorded crimes per 1 000 residents
26.2/100033.3/1000
7.1/1000better in Arganil
Average commuteOne way to work or school
16 min15 min
1 minbetter in Seia
Average salary (gross)Average monthly earnings, by place of work
€1,163/month€1,198/month
€35/monthbetter in Seia
Median salary (gross)Half of workers earn less than this, by place of work
€1,023/month€1,037/month
€14/monthbetter in Seia
Purchasing power (Portugal = 100)Per-capita index
71.578.8
7.3better in Seia
PharmaciesPer 1,000 people
0.30/10000.50/1000
0.20/1000better in Seia
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 Seia
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
